vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I leased a XXXX XXXXXXXX XXXX never was late or missed a payment the lease ended last XXXX I contacted the lease holder ( XXXX ) Chase Bank informing them I wanted to extend the lease for six months witch would have extended it through XXXX They took payments XXXX, XXXX, XXXX when we went to make the XXXX payment it was refused couldn't reason with anyone not even talking to people in this country. One the second week pf XXXX this low bed shows up telling me he's reposing the car showing me no paper work at all I never missed a payment nothing made sense Chase never sent anything to me either. I don't think this is fair at all also in XXXX someone backed into the car and left while we were shopping I had already contacted my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I signed up for the XXXX XXXX XXXX program with XXXX XXXX XXXX. I was advised by XXXX  XXXX  to send and email to Upgrade to stop my auto draft. I sent the email to Upgrade on XX/XX/XXXX. On XX/XX/XXXX Upgrade drafted {$230.00} from my checking account. My wife contacted Upgrade ( on a recorded line ) and was advised that yes auto pay had been turned off and she initiated the refund process. Again I sent an email requesting that auto pay not happen in the future. The refund was denied. On XX/XX/XXXX another payment was run on my account and this time it left me with a negative balance of {$180.00}. Again my wife reached out to Upgrade ( again on a recorded line ) and was advised that I did not have auto pay turned off. The representative read a disclaimer stating that auto pay would stop as of XX/XX/XXXX. My wife requested that the auto pay stop be backdated to XX/XX/XXXX and the representative stated she could not ( would not ) do that. I have contacted my financial institution and started a Fraud charge case, and in the next week I will be closing my checking account. Multiple questions- why would I call about auto pay if it was active? why do I need to close my checking account to prevent this from happening again? and why did I have to initiate stop auto pay on XX/XX/XXXX when it was already stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am doing a refinance on my mortgage. During the process the title company found XXXX liens from Wells Fargo. I will pay off the mortgage debt during the refinance which is XXXX, this amount correlates to the original deed of trust of XXXX dated XX/XX/XXXX. The second is a subordinate lien of trust for the amount of the loan modification that was done on XX/XX/XXXX, in the amount of XXXX. This amount I received a payoff for XXXX on XX/XX/XXXX and will take care of it when I close on the refinance. The lien that was filed erroneously, was another subordinate lien of trust for the amount I owed on the loan at the time of the loan modification XXXX on XX/XX/XXXX. When I contacted Wells Fargo initially around XX/XX/XXXX I spoke to the home preservation department and they told me that i had to pay all three amounts in order for the liens to be released, and told me that if i needed further assistance to contact Fist American tittle and gave me a number to a notary service they used to record the lien documents. I have continued to try and work with them several times. They gave me a case number on XX/XX/XXXX which I later found out on XX/XX/XXXX was closed without any action taken. I then spoke to a supervisor who admitted that a mistake was made and told me the lien release department he spoke to could not do anything but gave me a fax number for their correspondence department. I faxed them all the required documentation and explanation on XX/XX/XXXX. I contacted them on XX/XX/XXXX and they advised me that someone would reach out to me. I contacted them again today because i had not heard from them and they told me that they just received my correspondence today and that someone will contact me in 24-48 hours. I need to get this resolved. It has been a month since I reached out to them originally and it just seems like they are unwilling to correct their mistake because no one knows what happened and they are not taking ownership of such mistake by rectifying it and releasing the loan. I told them several times that I will pay for what I truly owe but I will not pay for double the amount of the loan because of their mistake.

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 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My PayPal account was fraudulently used to make a {$230.00} purchase from XXXX with my credit card. On XX/XX/2022 at XXXX I received a text message from PayPal that my account had been charged {$230.00}. Upon inspection, my card had been used via PayPal to purchase a XXXX Thermostat going to one XXXX XXXX in XXXX, NY. I changed my PayPal password, removed all payment methods, and reported the fraudulent charge to my credit card company. PayPal portal keeps crashing when I try to report the charge. I have notified XXXX who are working to cancel the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
# 1 - Creditor Name : XXXX XXXX - Amount : {$1100.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX # 2 - Creditor Name : Caine & Weiner - Amount : {$380.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a XXXX XXXX  rollator and was charged the first of 5 easy pay, payments, which I received the product on or around XX/XX/XXXX, or XXXX XXXX and due to the product not having a seat on it, it was returned on XX/XX/XXXX. It was returned to XXXX and I charged the product to Capital One, and Capital One now refuses to give me my money back, they did a temporary credit and on XX/XX/XXXX, they said I haven't sent in all the requested documentation they keep asking for a cancellation policy, I asked them what cancellation policy, it wasn't a hotel room, I had a 30-day money back guarantee. and I had returned the item in the allotted time, I sent them the notice stating that there was a 30-day satisfaction money back guarantee. They are illegally withholding my refund and now they continue to send me letters that because they haven't received the proper requested documentation, that they have closed my dispute and will not be refunding me any money. If have any issues I am to follow up with the merchant directly, I am XXXX XXXX XXXX and I don't know who to contact and I sent them back everything that was in the box. How can they continue to withhold my refund, my money didn't go directly to XXXX, Capital One put the charge on my account and they have had every excuse from, the tracking is insufficient evidence to they need a copy of the cancellation policy. This is illegal to not giving me a refund and to prove the merchant got the product back, I have a charge of XXXX on my card for shipping. can somebody assist me in resolving this matter? I am attaching all documents including letters, one states they would like to help but I have no account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
The situation began when my mother, XXXX XXXX ( now deceased ) took out a loan on the property under XXXX  XXXX XXXX  XXXX. I ( XXXX XXXX ) was listed on the original loan as well as the deed to the property. As of XX/XX/XXXX, my mom received a letter stamped Paid and a copy of the deed. When XXXX XXXX assumed the loan, the terms were rewritten, eliminating me from the loan, but retaining me on the deed. After my mom pass away, I tried to have the loan/deed of recordation straightened out to reflect rightful ownership ; however, XXXX XXXX refused my request and told me I would never get the loan refinance into my name to just keep paying on the XXXX XXXX XXXX XXXX loan. 
The XXXX XXXX XXXX document was in the amount of {$64000.00} on XXXX XXXX with an interest rate of 13.81 % amount of {$820.00} a month for 20yrs and the maturity being XX/XX/XXXX. The Mortgage payment history statement show the interest begins XX/XX/XXXX, and loan amount of {$67000.00}. Maturity date XX/XX/XXXX. I ask for some assistance on reading the loan documents and no one could tell me what was happening, so I continue to pay. We were behind on the notes in XXXX amount of XXXX which I filed bankruptcy in XXXX. And every payment was caught up and the mortgage was being paid every month until the Maturity date arrived. XX/XX/XXXX I ask for a payoff balance from Carrington and they loan amount was {$38000.00} and if not received after XX/XX/XXXX it will require a XXXX interest per day. I contacted an attorney due to the loan is not in my name. I was not happy with this request paying for 20 yrs. on a XXXX and nothing went to principal. Is this legal? I paid in good faith to the best of my knowledge. Now they are starting foreclosure on my property. Persons should not have to lose properties and/or their mind due to the unlawful, unethical conduct of this Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I received a 1099-C indicating that Mountain Summit Financial Inc. had written off a debit of {$1000.00} of which I never requested or received. Upon receipt of this form I called Mountain Summit Financial to report this fraud and was provided the following information : When asked why I have never received any statements regarding the opening of this account, request for payment, or the delinquency of alleged loan payments, I was informed that Mountain Summit Financial is an on-line only institution and would have sent emails to the fraudulent email address used in connection with opening this fraudulent account. 
When asked why I am unable to see any credit inquiries on my credit history regarding this fraudulent account, I was informed that Mountain Summit Financial does NOT use the XXXX major credit bureaus when decisioning to provide loans. 
When asked how Mountain Summit Financial performs required verification checks, also known as Know Your Customer or KYC controls as required by federal regulation to ensure it is actually doing business with the correct person, I was told that additional detail could be provided during the fraud investigation. 
Employees provided instructions on how to file a complaint with the Fraud/Compliance department and indicated that additional details regarding how this account was opened would be provided as part of the internal investigation. 

I have requested an amended 1099-C form and although am still in the process of obtaining one, I am concerned by the numerous lack of controls that this financial institution has in place to prevent the perpetration of identity fraud. I have no idea where they individuals received my information ; however, financial institutions should do a better job of protecting all consumers. 

Additional Information : Mountain Summit Financial Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX TIN : XXXX Phone # : XXXX

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 2022-02-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am name is XXXX XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$860.00} XX/XX/2018 XXXX XXXX  XXXX Balance : {$23000.00}

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 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; XXXX given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX XXXX my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

XXXX. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

XXXX. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( XXXX ) XXXX disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and XXXX dispute has been settled.

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 2022-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made many attempts to fix my problem wit Equifax, and I have been given the runaround for over the last XXXX yrs I was told that all of my information was handle in The Office Of Consumers affairs. I have documents where I have sent over 12 certified letters with in the last XXXX yrs and to my avail nothing. I was last told on today in which it is XX/XX/22 that they have not received my documents but on XX/XX/22 I was told by XXXX that they received them but they were putting them in the system. I have sent over FTC, Driver Licenses, Police Report, Birth Certificate and Social Security card. And still no avail I was even told by XXXX that work in Consumer Affairs that he received follow suites letters from other bureaus and they still did not do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of XXXX USD utilizing your services. 

Scammers Account XXXX : XXXX

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA - National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson capital systems is reporting a debt as new for an account that hasn't been open in 7 years. They have also had ownership of this account for years and previously removed it because they could not validate the debt. They now put it back on my report as a brand new debt collection. It is also for 6 times the original amount. Attempting a complaint here before I pay the lawyer I consulted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-22 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: EQUIFAX, INC.
State: ID

Complaint narrative:
In XX/XX/XXXX i sent in a court order from a judge releasing me from 3debts, i sent those documents to equifax and i talked to the XX/XX/XXXX and they said i had to talk to the reporting creditor to resolve. they said they were not going to remove off my credit report because the reporting agency verified them

Company response to consumer: Closed with explanation