vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Auto told my husband that we didnt owe anything else when we asked them several times. We requested the buy out documents from chase to give them the credit union to process our car loan to buy our lease. The credit union failed to process the loan on time and didnt communicate with us. Chase claims they sent out a notice on XXXX XXXX to us but we never received it but Chase Auto loan is blaming me for that. Anyways, I just received two separate letters both dated on XX/XX/2021. One letter is stating basically that my account is passed due and the other one stating that if not taken care of within 10 days from when the letter is dated, my car will be repossessed. I paid it today because it was just communicated today through these two letters. My credit score dropped 136 points as a result to chases lack of communication. Chase always sends me a live bill and once they became aware that I was taking my loan business to the credit union, they suddenly decided not to send me a live bill for the first time in 3 years? Like they wanted to purposely watch me fail? They expected me to know to go online and check that I had a balance after they originally told me I wouldnt owe them anything anymore but owed the credit union from now on. But yet Im being held responsible even through I never got the first letter nor a live bill? I had perfect credit and so did my husband. But they ruined both. Why would we in our right minds decide to mess up our credit scores on purpose? It was all done without our knowledge. Why would we be perfect on making payments to chase throughout the whole lease and purposely want our credit score to go from 800 something to 600 something? The answer is we wouldnt. Please help. I have never been late making my auto payments and would have appreciated a expected a call from them out of respect since I have been a good customer. It was a lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have tried calling and disputing numerous times on an account that was open fraudulently in my name, as I was the victim of identity theft in 2016. 
Its been 5 years and it still has not been taken off my credit report, even though the company themselves acknowledged that it was fraudulent & closed the account. I have a statement from them for proof and I have submitted it to the credit bureaus to get it taken off my credit report. It is the only thing that is negative on my account, as I am always making my payments on time. I would like this resolved, please. Every time I call, I get the runaround and nobody has any answers for me. They have stated to wait 90 days but it still stays on there. I dont know what else I need to do to have it removed. Its so unfair.

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: NC

Complaint narrative:
This has been an ongoing problem with this company since XX/XX/XXXX when the company erroneously marked my account as delinquent. After 5 months of communication with the CSRs and two delinquent reports to the credit bureaus, the company finally corrected the issue and restored my account back to current along with correcting the reporting to the credit bureaus. However, after finally getting this fixed, I received a notice on XX/XX/XXXX that my account was suspended and decreased my credit line due to delinquency. We spoke with a CSR and a Supervisor ( XXXX ) and was told that it would take 3-5 business days to correct the situation. On XX/XX/XXXX, my card was declined ( suspended again ) and my account was reinstated as 82 days late. We spoke to XXXX again on XX/XX/XXXX and couldn't give us an explanation as to why my account went in reverse after 5 months of trying to get it resolved due to the company 's negligence. He told us that we have to wait some more until they figure it out. My credit has been affected tremendously by their actions, my life has been in limbo for the past ( almost ) 6 months of doing my due diligence to fix my account and credit standing. I never receive a callback and I get insincere scripted gestures and lied to about no adverse actions would be taken against my account. To no fault of my own ( and by the company 's own admission ) my account has been in turmoil and apparently no end in sight. I have been more than patient, heeded their direction to wait the magical 3-5 business days to resolve anything, to be met with more " wait and see '' answers. I initially wanted my credit line reinstated, however, at this point ( due to the company 's inaction and disingenuous actions ), I want my account canceled and the company can assume the remaining debt as a loss on their end. It is a small price to pay considering I have spent 5 months of my time on the phone, on email trying to resolve an issue that wasn't even my fault. My credit was destroyed and I have been in limbo as I waited for it to be restored, missing opportunities due to my perceived bad credit, and embarrassed in public when my card was declined during transactions.

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In the month of XXXX I XXXX XXXX applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). The above correspondence was sent and received by American Express via Certified Mail return receipt # XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan finance is reporting late payments to my credit and the account is listed as charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have a car loan with Toyota Motor Credit Corporation. 

ALL payments have been made electronically and on time for the last three years. 

I paid two car payments - XX/XX/2021 and XX/XX/2021 before the payments were due. Specifically, I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021, and I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021. 

In or around XX/XX/2021 I received a notice that my car loan was 30 days overdue and I paid another loan payment on XXXX XXXX, 2021. In total for the two months of XXXX and XX/XX/2021, I made three payments - BEFORE they were due. None of those three payments have been properly applied to my account and remain pending. Their electronic system acknowledged the payments - but indicated the payments were pending. Additionally, that system said that they were charging my account extra fees for late payments. 

I called their loan service department to clear up the issues on XX/XX/2021 from my husband 's cell phone XXXX. I attempted to contact a customer service representative. Their system said that they would return my call and hold my place in line. I did not receive a call back. I called them again and the system indicated they were closed. 

The system is not properly crediting my payments, and is incorrectly assessing late charges. It is not clear to me whether they are attempting to take possession of the vehicle - but any such movement would be illegal, and a breach of contract as I have paid in conformance with the contract. They have failed to timely respond to my communications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Unrecognized accounts on credit report I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
I received correspondence about a debt that was not mine on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP stated that I owed a debt and used language that was oppressive and abusive in this correspondence. 
On XX/XX/2021, I sent correspondence to Linebarger Goggan Blair and Sampson, LLP which included : - an affidavit or truth - cease and desist - debt validation letter - invoice for {$5000.00} for violating my rights under the FDCPA. 
15 usc 1692e ( 3 ) for false and misleading representation. 
15 usc 1692e ( 5 ) for false and misleading representation. 
15 usc 1692e ( 9 ) for false and misleading representation. 
15 usc 1692d ( 2 ) x 2 for using obscene and profane language with the intent to abuse and harass me Linebarger Goggan Blair and Sampson, LLP received my correspondence on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP responded to my correspondence on XX/XX/2021 by providing false and misleading documents and stating that the FDCPA did not apply to them. 
I responded to their correspondence on XX/XX/2021 with documentation proving that Linebarger Goggan Blair and Sampson, LLP was not exempt from the FDCPA like they alleged and stated that by them not rebutting my affidavit of truth with an affidavit of the truth of their own, they defaulted. 
I gave Linebarger Goggan Blair and Sampson, LLP an opportunity to cure by -honoring cease and desist -paying the original {$5000.00} invoice -XXXX  the balance of the alleged debt -deletion of alleged debt from all consumer files -a written apology On XX/XX/2021 at XXXX I received harassing and abusive communication that went on for 7 minutes and 30 seconds from the office of Linebarger Goggan Blair and Sampson, LLP . 
On XX/XX/2021, I sent an Linebarger Goggan Blair and Sampson, LLP correspondence that included : - a notarized affidavit of truth - cease and desist - invoice for {$30000.00} for violating my rights under the FDCPA - 15 usc 1692c ( c ) - {$1000.00} for violating cease and desist 15 usc 1692c ( c ) - 15 usc 1692d ( 5 ) - {$1000.00} for causing my phone to ring - 15 usc 1692c ( 1 ) - {$1000.00} for communicating with me at a time that was inconvenient - 15 usc 1692c ( 3 ) - {$1000.00} for communicating with me without the permission of my employer - 15 usc 1692e ( 5 ) - {$1000.00} for stating that communication is from an attorney - 15 usc 1692d ( 2 ) - {$1000.00} for using obscene, abusive and harassing language - 15 usc 1692d ( 5 ) - {$1000.00} for engaging in continuous phone conversations with the intent to harass, abuse and annoy me - {$23000.00} for the XXXX  that was caused by abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
So I have on my credit report a health care bill for XXXX now I have insurance that should have covered the majority if not all and my information has been sold to this 3rd party company medical data system Inc without my permission I did not authorize them to have my information nor did I give it in writing that I gave them permission. And I know that they bought it from them so legally my debt has been paid by them so I no longer have this debt. They are just trying to get their money back that they have paid for my debt with. If they can not provide the legal proof that I did, I would like them to remove it from my credit report immediately.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I try to get my free credit report on XXXX XXXX XXXX I have no problem with XXXX  and XXXX, but Experian says there is some error preventing them from letting me see my report. This has happened to me before. It is only Experian that I have this problem with. If it is federal law to provide me with a credit report from that website, then Experian is VIOLATING FEDERAL LAW by giving some random excuse as to why I can not get access to my own information. 

It seems that the company wants people to go directly to their website and sign an agreement to view my credit report that might be shady in nature. Why can't I simply get my own information from the proper channel? Why do they try to get me to use their website and sign an agreement with legal terms that I shouldn't have to even consider, just to see my information? It seems that Experian uses tactics that mimic the frauds that are ruining peoples credit and pushing them to a website to 'give away ' their information.

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 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
After receiving multiple invitations for a personal loan with this company I finally decided to see the terms on XX/XX/2021. The application process collected TONS of personal information, even my bank account details. This made me uncomfortable but I was under the impression this was the only way to see my odds of approval. In the end my application was denied and after chatting with representatives, was assured I would be removed from marketing communications. I also had to wait 36 days ( XX/XX/2021 ) for confirmation that any personally identifiable information not be sold to third party companies as is my right according to the California Privacy Law ( CCPA ), which I never received. 

Today is XX/XX/2021 and I am still receiving harassing mail for pre approved offers from Payoff by happy Money. This exacerbates my concerns about my personal data being sold, even after being denied a product from this company. I feel taken advantage of and lied to. Payoff by happy money provided a predatory experience and I dont recommend anyone to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I contacted original creditors about this and they just sold it to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX who acts as the ceo for legal fiction CAPITAL ONE that I the consumer XXXX XXXX XXXX XXXX who acts as agent for XXXX XXXX am invoking my right of rescission pursuant 15 usc 1635. I was not disclosed certain information about the finance charge 15 usc 1605. I expect the the obligations, security interest on the contract be canceled, and all money returned to me pursuant 15 usc 1635 in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint # XXXX against Transunion, They responded that I was not one of their customers or a customer representative and they could not address my complaint. Transunion is playing games to get out of taking responsibility for allowing XXXX XXXX XXXX to report a fraudulent debt. They know good and well I am a customer and I have a credit file with them. They know who XXXX XXXX XXXX is and they know that they are authorized to investigate. They have addressed numerous complaints I have already filed against them. They need to quit playing games and answer my complaint. They are allowing debt that the SC Attorney Generals office ruled to be fraudulent to be reported on my credit report. Transunion knows this debt is Fraudulent yet they continue to allow it. Quit playing games and justify why you ( Transunion are allowing a debt that was ruled fraudulent by the SC Attorney generals office to be reported on my credit report. The CFPB need to make them stop playing games and address the complaint. Justify why you Transunion are allowing a debt that was ruled fraudulent to be reported on my credit 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 2021-08-27 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: NC

Complaint narrative:
Equifax reported 12 inquiries on my credit report holding Equifax liable for violating 8 Federally Protected Consumer rights under 15 usc 1681n. Therefore, this holds Equifax accountable for paying me, Consumer, XXXX $ XXXX for violating these terms. The inquires were in fact removed on XX/XX/2021 therefore Equifax admitted that some form of fraud was definitely committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is against Bank of America Most of the time, BOA employees are good and do their job well. 

This issue is about my business account ( Account name : XXXX XXXX XXXX ) On one occasion, I sent a check ( through BOA bill payment ) of {$860.00} to the wrong person. I sent it to XXXX instead of XXXX. I called small business customer service on XXXX XXXX ( 3 days before the person cashed the check ) and put " Stop Payment '' on check. I explained to them that this check is sent through " Bill Pay '' and gave the check number " XXXX '', but person XXXX fingered it and put XXXX. The check was cashed on XXXX XXXX. For some reason, that person also removed XXXX from Bill payment. 

Later when I called to see why I didn't get the credit and how check was cashed even after putting " stop payment '', " Bill payment '' told me that " small business '' shouldn't have put stop payment on the check as the check was sent through bill payment. And " stop payment '' by small business department doesn't work on checks sent through Bill payment. 

And now every department is just denying to correct this situation and not taking responsibility to correct your mistake. BOA representative from " small business '' shouldn't have put a stop payment on the check and should have sent me to the " bill pay '' department. So even though I called 3 days before person cashed the check, bank of america was wrong in their steps to put " stop payment '' So please help me get my money back. 

Another thing is : calling customer service phone numbers and getting somebody to talk to is very time consuming. You always have a high call volume and every time call is transferred to one department to another, you are again placed on hold. I am on call for the last 99 minutes and still no resolution. 

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