vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Months ago I submitted a complaint to CFPB regarding the fact that there are thousands of dollars missing from my CHASE savings account from a span of almost a year. Chase got in contact with me stating they have no ideas where my checks were deposited into as they do not appear in any of my accounts, they tried to trace them but have not provided me with any information. They even checked security footage and saw me personally deposit my checks. They stopped reaching out and I am still here out of XXXX  ( XXXX ) dollars I worked hard for. I have no access to my previous deposits so now I do not know if any previous check or cash deposits cleared!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I filled a complaint a week ago, about chase credit cards, they called me the very next day, but. But I had my hands literally full and couldn't hold my phone at the time, I asked if they could give me five minutes, call me back, they said yes, then asked if this was XXXX XXXX, I said it is. They have not called back, I tried calling the number they called me from, it doesn't work. And they haven't called back. So I would like fill another complaint against them. I would also like to mention that I've went into a branch, Iand tried to show proof, also tried calling to get an email to show proof. Neither have worked so far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
1. I received an Offer from Capital One Bank through their website for a Pre-approved Auto Loan called " Capital One Auto Navigator '' on XX/XX/2021. Pre-approval Letter reference No. XXXX attached herewith. 

2. According to the pre-approval letter, I started my shopping for a Car within the sales price Range mentioned in the letter. Also, I received a follow-ups email from Capital One saying that the Pre-approval is as easy as 1,2,3 steps. Follow up email attached herewith.

3. After visiting few Dealers, to my dismay, I found that this so called Pre-approval Letter is nothing but a faux to make the Customers walk into a Dealership for Car purchase.

4. One of my earlier inquiry with an Auto Dealer XXXXXXXX  XXXX  made through the Capital One Auto Navigator website made me realize the nexus between these so called Unscrupulous Financers and the Auto Dealers was infact a game to trap gullible Customers by making them apply for an Auto loan through these financer 's favorite Dealers and a high level CORRUPTION could not be ruled out here. 

5. After receiving the quote for a brand new Car 'XXXX  XXXX XXXX, with a down payment of {$1800.00}, being sold by XXXX XXXX  XXXX I applied online for the same but was shocked to hear from the Dealer that they won't accept the down payment mentioned in the website and I need to put more Money as Down payment which is {$3200.00}. The quote provided by the Auto Dealer and Capital One is attached herewith. That, already a Hard Inquiry was placed in my Credit report the same day.

6. When I sent the website quote printout to XXXX XXXX, the Sales Associate simply replied in One sentance saying that I need to put a down payment of {$3200.00}. The email attached herewith.

7. That the above mentioned same situation resulted with all the Dealership and when I gave a telephonic notice to Capital One Auto Navigator, I received a call from one of the General Manager from Capital One Bank in the second week of XXXX, who told me that they are at Liberty to advertise anything and they have no binding and they can tackle the matter with any Government Establishment including the FTC or CFPB. This clearly shows the Bank 's high handedness and the Corrupt practice, which needs to stop immediately and if it's allowed to grow further, that could Rot the whole of American system of Fair lending and FTC 's false advertising & marketing policies and regulations. 

8. That after giving sufficient time to Capital One Bank as well as XXXX XXXX  with no response from them, I am forced to lodge a formal complaint with CFPB for it's intervention and necessary suitable action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: MO

Complaint narrative:
This account appeared on my credit report today. I have never had a loan with this company and have never done any business with them. I was never contacted by them or mailed any correspondence. With no interaction or communication whatsoever this account appeared on my credit report showing it was from 2016. This is not my account. I want this removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have contacted this company numerous time no reply... I have XXXX credit and they are sending me mail stating I owe them for a XXXX XXXX I pay for everything up front .. Ive wrote them 5 times asking them to send me proof no reply this is not acceptable. I never received to explanation only a collection letter that's it in the amount of {$280.00} collection agency CONVERGENT OUTSOURCING INC # XXXX COVERGENT ACCT # 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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have sent in money for my payments and I'm being charged more under the base payment I have sent in extra money to bring my account up to date and to pay on the fees especially these particular dates that I have listed and the extra money was not applied to my fees and I don't understand where the extra money went. I am finding more and more discrepancies on my account and in different months. I have been calling for the past 3 to 4 months trying to get this taken care of only one person help in credit me back my money but it look like they added back on my account again these dates are a example of what I am talking about. XXXX XXXX. XXXX and is also questionable on my monthly payment for the month XXXX again these are just some issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
Contacted multiple times in regards to an alleged obligation via US Postal Mail. 

Denied these allegations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. The complaint I filed back in XXXX was a mistake. At that time, I filed a complaint about my credit card account. I never knew I had another account number ; I thought I only had one credit card number. Therefore at the start, I thought that the account number was not mine. Later on, I found out that that account number was mine, it belongs to the same account as my credit card number, so I called customer service to explain the situation and canceled the complaint. Because I do not speak fluent English, my son made those calls for me. The bank can look up my call recordings. 
2. The account that is currently closed is my checking account. Nobody stole my information, I opened the account by myself. The branch is Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I opened the account on XX/XX/XXXX, and the account opening amount was {$10000.00}. All the balances in the account are from the checks paid by my company -- it is my legal income. I can offer any proof for identification. When my account was closed, there was a balance of {$3900.00} left.

3. Specialist XXXX contacted me, and I picked up the call myself. I do not speak good English, but I explained to her that there was a mistake, that the account I filed a complaint on is mine, that my identity did not get stolen. She said she wanted to ask a few security questions, I said that I am going to work at the moment, we can do it at XXXX XXXX  or after, but there was no further contact. Then I received an email notification on XX/XX/XXXX, that the account was about to be closed, and the email clearly stated that if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. But now, the bank refused to pay back my account balance, as the {$3900.00}.

4. In the reply, specialist XXXX mentioned, decline your request for any additional monetary compensation referenced in your complaint. This reply was preposterous because I never asked for any additional monetary compensation but to get back all the balances left in my account. In fact, the specialist dodged my question in her reply, and never even mentioned how the balances in my account will be dealt with.

5. I demand the bank to answer clearly how the balances in my closed account will be dealt with. I demand a refund for all the balances left in my account, just like what the email the bank sent to me stated, if the account balance is positive at closure, we will mail a cashiers check payable to you for all money to you. 
The Wells Fargo case ID : XXXX and 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 2021-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was out of the country for three months from XX/XX/XXXX to XX/XX/XXXX for family emergency. 
When I came back, my debit card is not working. I went to the bank of america on XX/XX/XXXX and I ask them why is my debit card not working. They told me, my bank accounts are frozen because of suspicious activity. My all money in the account is not there. And I immediately claimed those withdrawal are not mine. 
These is for sure fraud to my account. I notice the scammers fraud my bank. I report to federal trade commission someone is using my personal information and I let them know. 
I lost from my saving account XXXX dollars and checking XXXX dollars. I'm very disappointed by this situation. I can't pay my rents and it's ruins my life so bad. 
After all investigation, from the bank they are saying, the charges are made by you or by someone who has permission to use the card. I do not authorized any one. I don't lost any card or Id either. This is like covering up the situation for me. This is totally unauthorized debit transaction.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. It was opened on XX/XX/2018

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XXXX/XXXX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: VT

Complaint narrative:
it's me XXXX XXXX XXXX i don't really know where this consumer come from i just went to applied XXXX foods delivery then i got this, if i know it won't happen it anyway, can you guys help me with that my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 in the amount of {$4600.00}.

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 explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
collector : castle credit corp holding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX,,,, phone # XXXX i sent this company letters that were certified by US Postal return received. The last was received by the company on XXXX XXXX. I told this company that this is not my account and why they are insisting that it is but they want provide me with legal documents verifying that it is mine. Today is XX/XX/XXXX and i have yet to get a reply from this company. The account was open, according to the my credit report XX/XX/XXXX. I notice that the payment history doesn't show a payment received on that date.I also notice that XXXX is not noting that the account is being disputed by the customer.Also notice the last payment reporting different with all three credit bureaus.XXXX  report : XX/XX/XXXX, XXXX report:XXXX, XXXX report : XX/XX/XXXX ( all three Inaccurate ) ( Note ) XXXX has a payment being received XXXX, but the payment history show it being 60days late on that day.XXXX, XXXX and XXXX report monthly payment as XXXX. theirs more Inaccuracies than i have letter space for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: OR

Complaint narrative:
I have verified my identity with the required documents 3 or more times. I have also called customer service during hours of operation and have been hung up on, put on hold for an unacceptable amount of time, then hung up on and also have been shuffled around profusely just to get back to the main menu and start all over again. This is more than just terrible customer service this is borderline fraud. I have read the pamphlet and read my rights as a card holder, and am now getting my lawyers involved. I expect over the top customer service from here on out.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$24000.00}.

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 explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015 with an amount of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our mortgage servicer is Mr. Cooper and recently they have been incorrectly applying our additional principal-only payments. It went unnoticed until it happened for the second time. We made an additional principal-only payment of {$2000.00} electronically and instead of Mr. Cooper applying it directly it to the principal balance, they made a monthly payment of {$1600.00} and additional principal payment of {$310.00}. They then reversed both payments and applied them to the principal in the same amounts ( {$1600.00} & {$310.00} ). This same exact thing has happened two more times, consecutively. Doing this pushed our monthly payment back further because it was incorrectly processed and applied. Although the sum of the two amounts equal {$2000.00}, the way these additional principal-only payments are being processed is unethical and frustrating. Upon calling and speaking to customer service representatives, we have been told that there is " a glitch in the system '' and our account is being notated. We were also told we would have to continue to call to get the mishandled payment situated each time we make an additional principal-only payment. I am demanding Mr. Cooper be investigated and chastised because this is ridiculous.

Company response to consumer: Closed with explanation