vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: AL

Complaint narrative:
I have moved from XXXX to XXXX. XXXX XXXX  XXXX requires me to have a copy of the lien holders title in order to receive my tag. I only have 30 days. They have faxed two requests to CarMax Auto Finance and have confirmation. CarMax Auto Finance denies receiving the faxes. The tag office attempted to call them but cant get help without having my social security information. They will not email a copy to me, so I in desperation asked them to mail it. I havent received it yet, but they say they mailed it. Mail can take a long time and sometimes gets lost, so I may not be able to receive it in time. The tag office finally just gave me their fax number, so that I could request that Carmax Auto Finance send it to them. I was told it was a 1-2 day turnaround. It has not yet been sent to XXXX XXXX Alabama. The tag office tells me that most lenders respond in a timely manner to these requests, and are not difficult, as CarMax Auto is being. The reps are nice when I call, because they are worried about the survey at the end. I suspect they tell me something to get me off the phone, but my need is not being handled. I will be fined if this is not received, and I could also be in trouble if I were to get pulled over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX have inconsistencies on a account that they're reporting on my credit report with XXXX XXXX XXXX. 
Equifax has reported that the Balance on this account is {$26000.00} XXXX has the Balance at {$14000.00} both balances are incorrect the true balance is {$11000.00} as XXXX has reported to me proof of this will be downloaded through the CFPB portal Equifax reported the account type as Installments XXXX reported the account type as XXXX XXXX Equifax has reported Repo date as XXXX XX/XX/2023 XXXX has reported Repo date as XXXX XX/XX/2023 Equifax has reported date of last activity XX/XX/2023 XXXX has reported last activity XXXX 2023 Equifax has report the account to be XXXX XXXX has reported the account number to be XXXX These inconsistencies unacceptable and is a violation with FCRA proof of all this is downloaded through the CFPB Portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and vou are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I filled a complaint against Citizens Bank for using false/fraudulent practices when getting to me sign up for a credit card. I filled a complaint using this system. Before I filled a complaint, I closed the credit card due to that company not fulfilling the promises they gave me. 
The resolution that I got from the office of the chairman was that they could not fulfill the promise that their agent gave me and instead reopened the credit card WITHOUT MY CONSENT. 
This company has done damage to my credit twice now. 
Their office did not ask if I would like that credit card, I did not sign anything agreeing to it and they did not give me the terms and conditions for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Deposit a check XXXX and hold it for 6 days until cleared thats normal. but also hold my previous funds XXXX with no right just because the activity seemed suspicious to them. I understand the time to clear the check but the previous fund they have no right to do so. 
I tried to use my debit to get my XXXX KIDS to school and it was declined. This it outrageous even if it is one cent. Is mine they have no right no hold it back from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint regards a charge dispute that was initiated with Bank of America Credit Card on XX/XX/2023 regarding a transaction that occurred on XX/XX/2023. ( See attached letter to Bank of America dated XX/XX/2023 ) The amount in dispute was of {$16.00} for services that were charged and paid in advance to merchant but were not provided by merchant because services were no longer sought or needed. I received XXXX subsequent response letters from Bank of America dated, XX/XX/2023 and XX/XX/2023 in which Bank of America requests more information about the charge and a signed document stating that the amount originally in dispute was still being disputed. ( Attached are the XXXX letters sent by Bank of America dated, XX/XX/2023 and XX/XX/2023 ) Although the information Bank of America requested from me was provided to them, as of XX/XX/2023, it has not resolved this dispute by crediting the account in the total amount in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is in violation of 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy 15 U.S.C. 1681 section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions I do not know of any account # XXXX named XXXX XXXX XXXX XXXX that is seeking a debt for me that has posted on my credit file. I dont have any written signed Agreement with this company I have not instructed transunion or this company by the name of XXXX  XXXX XXXX to furnish my account without my written consent. 

I have demanded transunion to make this company identify their self and show and send to me by certified mail documentation of my signed written original agreement with this company XXXX XXXX XXXX under 15 U.S.C 1682 g, which this company has fail to do so. Within my 4 day request Also under 15 U.S.C. 1681 S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also XXXX XXXX XXXX is in violation of 15 U.S.C 1692d section ( 4 ) and ( 5 ) 15 U.S.C 1692 c I dont know this company they have not send any documentation as requested by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Community Bank representing both Jareds and Victorias Secret is reporting on both XXXX and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting these accounts incorrectly despite several dispute requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
After filing a dispute with XXXX, creditor JPMCB Chase Bank credit card acknowledged error with date of my last payment which occurred in XXXX, XXXX and not XXXX, XXXX which is when account was closed and charged-off. On XX/XX/XXXX, JPMCB removed this account tradeline from my XXXX credit report because last payment was 7 years ago. But, JPMCB has not done same with XXXX and XXXX despite how I filed separate disputes with all 3 credit reporting agencies. This violates the Fair Credit Reporting Act, Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( Ohio Rev. Code Sec. 1345 ) which authorizes treble damages awards. If this account is not deleted from all 3 major credit reporting agencies immediately, I will file a Complaint with the Ohio Attorney General 's Office Consumer Affairs Division and retain counsel to file suit for violations of the consumer protection statutes discussed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report the other day and found out that these three inquiries was on my credit report and I do not recognize them I need them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I received a letter from Phoenix financial services about debt that was written off by the hospital in XX/XX/2020. I have told them it was written off but they still want proof after XXXX of no bills or calls if the health care providers I received a debt letter saying I still owed money. They say I own them XXXX when none of my bills list the accounts they are trying to collect from. They bought my debt from another company as well. I had no medical insurance and it was at the start of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I mistakenly purchased a XXXX silver bar with an autopay feature on XXXX using my capital one credit card in the amount of {$130.00}. When I realized happened About XXXX minutes after the fact I requested a cancelation because I was exceeding my limit on my credit card and did not want to use that card. After I requested a cancelation I immediately requested a return without the item being shipped. Hence not having possession of the Item yet. I then reached out to the seller informing him of the error and asked him to cancel refund the purchase prior to the item being shipped. The seller did not respond. Nor did XXXX. And 3 days later XXXX closed my return and didn't reach out to me as to why. I called XXXX 3 times and they finally said they closed it because I never returned the Item. I explained to them that I made the cancelation/return request immediately after I realized the purchase was made but they refused to help me. When the Item finally Arrived on XX/XX/2023 it was an Empty Envelope with a slit at the top and taped over like some one stole the contents prior to arrival to my residence. I believe it was either the seller or some one at the post office who committed the crime. I took pictures and sent them to the seller informing him and still got no response. I then reached out to Capital one and d informed them of the situation and disputed the charge. they temporarily put the funds back to my account then a week later put them back on my account. I then disputed again with documentation showing and explaining to them the situation and yet they still will not take action when I've been defrauded and stolen from. I'm also in the process of filing a police report as a result. As Tampering with mail is a federal offense. I'm hoping you can step in and take action in regard to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
In XX/XX/2022 we were offered by nation star a chance to defer our monthly mortgage for a year due to Covid, after which the federal would be added to the end of our mortgage contract. In XX/XX/2022 we began calling to begin paying again whereby nation star told us we needed to apply. We had already been told and applied online, answering their info so we assumed we were already accepted. When we tried to begin paying they told us we needed to send documents which we did for 5 months. We sent over 35 documents but they kept delaying. Finally we decided to sell to cover our mortgage costs. On closing they charged us interest for all those months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris/Harris calls everyday no clue who they are or what they want

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to express my profound dissatisfaction and frustration with the recent closure of my checking account with Chase Bank. The closure was a result of an accidental deposit made by my brother into my account, and the subsequent actions taken by Chase Bank have caused me significant financial and emotional distress. 

On XX/XX/2023, while my brother and I were together at a Chase ATM, he accidentally deposited his paycheck into my checking account, amount is XXXX dollars from his boss. Unfortunately, there was no way to cancel or go back to the previous page during the deposit process. As soon as I realized the mistake, I immediately contacted the customer support hotline to rectify the situation. However, I was informed that it was impossible to cancel the deposited check, and as a consequence, my account was closed due to this error. 

I understand that protocols and procedures exist to ensure the security and integrity of banking transactions. However, I firmly believe that the circumstances surrounding this incident warrant a reconsideration of Chase Bank 's decision. It was an honest mistake made by my brother and me, and we took immediate action to address the situation. The closure of my account has left me without access to essential banking services and has caused undue hardship for both my brother and me. 

In my efforts to resolve this matter, I have contacted the fraud department multiple times. I have been asked to provide my brother 's phone number as a means of verifying his identity. Regrettably, Chase Bank has been unable to verify his phone number, despite the fact that he holds his own Chase account and credit card under the same phone number. This phone number has been actively used for the past XXXX years, including being associated with government benefits, FAFSA, all credit cards, and even during the application process for a Social Security Number. 


I sincerely hope that Chase Bank will reconsider its decision and take immediate action to rectify this matter. I believe in the principles of fairness, accountability, and customer service, and I trust that Chase Bank shares these values. I kindly request a prompt response to this complaint and a thorough review of my case. If necessary, I am willing to provide any additional documentation or information that may assist in resolving this issue. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX Wouldnt show any proof of the ddbt owed.

Company response to consumer: Closed with explanation