vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, after persistently being asked by XXXX XXXX Ford of XXXX to have my lease ( mid thru term ) appraised so they could buy it for their used car lot, I decided to do so. I made an appointment with the dealership and brought my car in and sat down with a sales rep to do paperwork. It was a snowy day and he didnt even want to go outside to look at the odometer to get the miles. I went outside and reported the miles to him and then he wrote up an odometer statement we both signed. He said thats it for now. Someone else would be in touch with me from the dealership. I asked a few times if that was all the paperwork I was getting at this time regarding the appraisal and he said yes, someone else would do it and get back to me. I left XXXX Ford XXXX Lease and my son drove me home. 
The next letter I received was a blanket appraisal from an outside company on the car. The next letter was from Ford regarding my voluntary surrender with repo fees, auction fees, etc ... ..and I immediately began to call because I knew they screwed it up. Ford offered zero help except to send me a contract done by XXXX XXXX Ford of me surrending the car-and I never signed it. It specifically states lessee needs to sign. I called the dealership many times and spoke with the GM XXXX XXXX who said someone at Ford told him my car was out for repo for months and that was not true. I went back to Ford and confirmed that was not the case and gave Ford permission to talk to XXXX to tell him that and then called XXXX and let him know I gave permission to have him get the true details on the lease from Ford. XXXX has not called back and Ford is demanding $ XXXX in balance from me. This is not my fault. The dealership screwed up and needs to fix this and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They stole money from me without my authorization from my debit card

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 2021-03-02 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: CarMax, Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX I sent an amount of XXXX dollars to hold deposit for my XXXX in XXXX for the XXXX of XXXX my coordinator resigned from the place which is XXXX XXXX XXXX XXXX I been calling theses people no stop to give me a new coordinator and my XXXX also left they have no XXXX left and their is nothing left for me at this point the whole point was for me to get my XXXX and they dont not answer the phone at the facility Ive left several of voicemails and nothing Im going to invest my money somewhere else where people answer and not walk out of a XXXX facility I dont have time for XXXX XXXX XXXX  XXXX no sense and ps I dont live in XXXX I live in XXXX XXXX XXXX is now relocated at a facility called XXXX XXXX XXXX I no longer want to continue with this XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I reached out to Citi Card today at XXXX three times and each time the remote learning and Citi Card phone transfer issue continued to be disruptive in communicating with this FINANCIAL CORPORATION. Resolving issues can not be handled with this type of behavior. 
" Below '' is the last person who claims that they have everything in place to HANDLE CONSUMERS THAT HAVE BEEN AFFECTED BY THE XXXX VIRUS AND THE STATE OF MICHIGAN BEING SHUT DOWN FOR 11 MONTHS. 
XXXX XXXX Regulatory Complaint Specialist Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY 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 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc.
State: TX

Complaint narrative:
This is in reference to debt with American Credit Bureau account number XXXX collection was opened on XX/XX/2020 for {$600.00}. This debt was originally with XXXX XXXX XXXX who initially failed to provide me an emailed invoice of charges as requested. I initially had dental work which was told that I was able to get because insurance covered it and allowed the number of cleanings done to my teeth. These charges need to be investigated and an invoice needs to be provided to me so I can proceed with verifying these charges as legit charges. I wasnt given enough time to dispute the charges as they appeared onto my credit report immediately. I was also affected by COVID-19 when this was added into 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 explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I received a letter from Phoenix Financial stating they were trying to collect a debt I owed to " XXXX XXXX XXXX '' from XX/XX/2016. There is no such organization. I have paid my bills and do not owe medical providers, and if I was billed for something 5 years ago, I would have paid it back then. 
This company calls often, and we blocked their phone number, but they change the number they call from. Their letter also names a group " XXXX XXXX XXXX XXXX XXXX. '' A quick search of the Internet shows this group to be disreputable, with numerous complaints lodged against them with the XXXX 
I do not owe this debt and encourage you to stop companies like this from preying on consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was a with AMEX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on my accounts AMEX Date opened XX/XX/XXXX ( XX/XX/XXXX ) and AMEX Date opened XX/XX/XXXX ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I closed on a cash out refinance with Quicken Loans ( now Rocket mortgage ) in XXXX of XXXX at an interest rate of 3.99 % for a 15 year mortgage. 

About three months later they contacted me repeatedly ( over 20 phone calls ) to tell me that they could refinance my mortgage at a lower rate ( in the 2.5 % range ). I agreed to go through the process as it would decrease my interest costs. Over the next 4 months I repeatedly responded to multiple requests for documentation. I responded to every request. They told me the closing was delayed due to Covid and kept extending the process. Eventually they decided that they wanted to run my credit report again ( the third time in a year ) and then suddenly ended the process in XXXX. The process lowered my credit score and prevented me from obtaining a home equity line because of their false promises of an imminent closing. 

One month later they began calling me again to say that they had a new process and could now refinance my loan. They called me over 30!! times. Eventually I decided to try again ( given they had completed the first mortgage in XXXX I assumed they were being sincere and maybe just had a Covid related hiccup ). With that said, I again fulfilled every information request they had. After two months of providing documentation to them, they contacted me to say that due to a change in underwriting requirements which they refused to explain ( XXXX XXXX from the Leadership Team called me to tell me that ) they could not complete my refinance.. 

After closing my loan they have begin calling me again to refinance my mortgage. 

Their abusive process has cost me significant time and money due to the negative effect it has had on my credit score and the associated additional interest costs I have incurred. Tey have tied me up for over 9 months with promises to close on a loan that apparently they never had any intention of completing. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent Experian a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They came back and said that didn't have sufficient information to 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 explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent Activity! 

I have called up Chase and got the run around on separate dates ; XX/XX/2021 XXXX ( STOLE ) {$5000.00} XX/XX/2021 XXXX ( STOLE ) {$400.00} XX/XX/2021 XXXX ( STOLE ) {$190.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} Totaling {$7500.00} After I saw these transaction, I called XXXX. No support service, just automated messages that didn't pertain to anything I needed. Set email after email ( I HAVE PROOF and PHOTOS of all these CLAIM # 's ) NO RESPONSE, Just automated messages that say go to the account. No one messaged me and there's no way to the account. 

As I tried, XXXX has my old phone number and it was impossible to receive SMS texts. I verified ( WITH PHOTOS INCLUDED ) my newest number. Yet nothing happened. I had to text my old phone number for the codes. ( HOW EMBARRASING with PHOTOS ) Once these codes were placed nothing happened. My {$7500.00} was wiped from my account. 

I contacted Chase and created a claim because my money was stolen from me, they just denied the claim because I did recent transactions in XXXX with them. AGAIN, THEY STOLE MONEY OUT OF MY ACCOUNT. Out of no where, I get a {$410.00} unauthorized credit to my Chase account. 

I AM STILL MISSING A STOLEN {$7000.00} CHASE denies any responsibility and I am left with no protection. I filed a Police Report, I filed to the XXXX 

I have no protection from my Bank. XXXX doesn't respond XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I see inquiries on my report that should be removed for good reason since I have never had thoughs accounts opened up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a {$120000.00} check into my savings, but when I checked the bank account it is missing! I Looked at my receipt and it is NOT my account # that it was deposited into! I called the bank and they refused to help me unless I came into the branch to file a document and even then it would take days to get resolved! I told them they made the mistake and I want my money, and I am not driving back to AZ to their branch to fix it, they need to fix and transfer!!!!!!! They told they would call me back and now they will not answer the phone or call me back and my money is missing!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: IL

Complaint narrative:
I am sending this to equifax because of identity compromised. I want these accounts removed. Attached is the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Mortgage Research Center, LLC
State: MO

Complaint narrative:
On XX/XX/2021 -- I received an email from XXXX XXXX stating a " hard '' inquiry had been made on my credit file by Veteran Uni. I went to XXXX XXXX 's website and saw the inquiry and contacted Veterans United Home Loans. Spoke to XXXX at Veterans United he said they received an inquiry from XXXX or XXXX. I explained I live in a retirement community and I was not looking for a home or a loan of any kind. He was unable to provide an IP address where this originated and only could tell me it was done at XXXX XXXX. on XX/XX/2021. I also received an email stating my " account '' had been successfully created on Veterans United Home Loans website and I could access it anytime. I did not set up that account either. I then spoke to a manager at Veterans United Home Loans named XXXX XXXX and he provided the same information that XXXX provided except he suggested I file a police report, file a complaint on identity theft.gov and freeze my credit bureau reports in the event someone is trying to take my identity. 

Mr. XXXX also stated he would email me all of the information he can to ensure I can take the necessary steps to get this corrected. Their phone number is 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 2021-03-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by Experian and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX  XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
This is Debt Validation request NOT verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is violating their settlement with the CFPB, using fees, bureaucracy, and delays to avoid meeting their commitments. 

On XX/XX/21 I received a remediation check in my deceased mother 's name, sent to my address. The check was to remediate {$30.00} in excessive fees and {$4.00} interest from an account that she opened about 10 years ago, however she passed away 5 years ago. I called the bank to see if the check could be reissued in my name - the administrator of her estate. I was instead advised to attempt to deposit the check. However when I attempted to deposit the check, I was warned that it would likely be denied and that I would be assessed a fee of {$35.00} for attempting to do so - for a check in the amount of {$34.00}.

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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I currently use cash App. I have my monthly XXXX benefits direct deposited. For months Cash App has been releasing my benefits at the end of the month, when it's deposited on the XXXX of each month. I never received my direct deposit for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social security and XXXX they informed me they issued my benefits on the XXXX of XXXX and Cash App has received it, but it was never deposited to my account. The department of SS and XXXX also reached out to them to send the payment back but there was no response. I emailed 2 representatives from cash app, They both were giving me the run around saying they never received it when I know for a fact that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Block, Inc.
State: VA

Complaint narrative:
I have a XXXX XXXX XXXX credit card and have no issues with it. My problem is with Square, the payment processor. Square has an automatic process that links an email to a credit card and then automatically sends out receipts to that email. The consumer 1 ) can not change the email - only the person at the email address can do that and if the receipt is being emailed to the wrong person then that is a problem and 2 ) Square has absolutely zero customer support for anyone other than a merchant. You can not call them or email them without a merchant account. 

When a charge is made using my XXXX card at a Square merchant POS terminal, the incorrect email shows at the bottom of the receipt, but the customer can not change it. This is a breach of privacy as well as extremely frustrating. I literally have nowhere else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I opened a " Credit Karma Spend '' account and they were deceptive about the time frame they ship debit cards. They emailed me 5-7 days, and promised 14 calender from application date. It is now a month later and there is no card. What is interesting to me is that I naturally requested a tracking number and they were evasive about it multiple times, and when pressed claimed they had no access to it -- and that there was no way to get it ever despite them being adamant that the card was shipped on a certain date. I think they are way behind and not delivering the service they advertise, and then trying to lie about the details while offering no proof in an attempt to obtain the revenue of a rapidly growing company though they are not capable of handling the volume of transactions. 

Special attention should be paid, since CK 's aggressive marketing of this platform on the XXXX website makes it the channel through which thousands if not millions of Americans are receiving their federal tax refunds and stimulus payments. This makes any UDAAP committed by CK almost inherently material because it threatens money the public is counting on for basic bills and survival.

Company response to consumer: Closed with explanation