vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I called Chase Business Card customer service because I was interested in doing a balance transfer from my personal to my business credit card. When I called, I asked if this is something that I would be able to do immediately upon approval and the answer was yes. To double-check, I read the pricing terms and conditions, in there it stated that it could be done based on creditworthiness. 

I was approved for the credit card and wanted to start the balance transfer process. To my surprise, I was told that the balance transfer opinion was no longer available. I found this very shocking as I was just told by someone else that this would be okay. Chase Bank 's reasoning behind this was that I didn't receive a promotion at random to do a balance transfer. I felt completely misled, as I was told something different. From then on, I was told there was nothing that they could do to help me. I went into a branch for assistance and to file a complaint I have not heard back from anyone. 

If I had known that this would happen, I would have never applied for the credit. This was very unfair to be misled, especially since I was told that everything was okay before I submitted my application. I do not want this to happen to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: MA

Complaint narrative:
LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
I bought a car financed through Hyundai Motor Finance in XX/XX/2021. I have since been trying to get the title transferred to the state where i live. Repeated attempts ( weekly ) to obtain a title transfer from HMF have failed, with the customer service agent telling me that they have emailed the titles department but there is no other way to contact them and to call back in a week for an update. I am unable to legally drive or register my car due to this issue, which apparently is common enough to warrant an entire XXXX and XXXX XXXX about the titles department at HMF being completely unreliable and failing to provide titles to owners whether paid off or not.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: SC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
This phone number, XXXX ( XXXX ) XXXX, keeps calling to report that the XXXX Mobil App is blocked and that you have to give personal amd financial information to establish it. 
I haven't been affected because, I don't give my information through the phone. 

The bank ( Popular Bank of Puerto Rico ) in charge of this app has published that this types of calls are a fraud. That's why I want to report this number : XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I have been having issues using my new XXXX credit card through Continental FinancXXXX when it comes to purchases made through XXXX grocery. I first placed an order with XXXX grocery on XX/XX/XXXX of this year. The original charge amount was {$44.00}. It is not unusual for the actual charge to be a different amount than the initial pending charge, which was the case here. A few days after I picked up the order it was processed through for {$44.00}. However, the amount of {$44.00} remained on my recent activity list and took up available credit. I only had {$1.00} available. I contacted the company about this, and was told the pending would be taken off. I contacted them on, or shortly after XX/XX/XXXX, because I had just made a second purchase through XXXX grocery, not knowing that this was going to be an issue. 

The {$44.00} remained on my account for at least another week. When I checked my online account last evening, XX/XX/XXXX, that amount had been removed, and I had {$70.00} in available credit. I made two charges in the amounts of {$7.00}, and {$18.00}. 

When I checked this morning my second XXXX grocery order had processed through. As before with my first order, the original holding charge of {$66.00} is still there, as well as the adjusted charge of {$59.00}. My available credit is now negative {$14.00}. 

I called them this afternoon, XX/XX/XXXX, to ask if they could remove the pending {$66.00}, as it is basically the same charge as the second {$59.00}, and I need the available credit that pending charge is taking up. 

My call was forwarded to an account manager who, no matter what I said told me that {$66.00} had been taken off of my account, and my account being over the limit was because of the two small charges I had made that were still pending. I had {$70.00} available credit with the {$66.00} charge on my account, and of course {$59.00} is a lesser amount by {$10.00}. So basically this account manager was swearing up and down that {$7.00} and {$18.00} pending was taking up about {$94.00} worth of available credit.

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 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I purchased a used car from JD Byrider and it was financed through thior finance company CNAC at 24 % interest. The car had mechanical problems from the very beginning. I took in into the JD Byrider in XXXX SC on XXXX/XXXX/21 and finally got it back on XXXX/XXXX/21. On XX/XX//21, the car stopped in the middle of a busy road and would not start. I got out and some people helped me push it to the median. It was pouring transmission and motor oil from underneath it. I could not get to work when I had no car and I tried to reason with XXXX and they hung up on me numerous times. I have a new job and have worked here less that a month and missed several hours today because I was stuck waiting on JD Byrider to come get my car with a wrecker. I also had to pay for the tow bill. I do not think I should be expected to keep making payments on a car that I can not drive to CNAC will not talk to me about it. They tell me to call the service department at my local JD Byrider. I would like someone to assist me in getting some financial relief from CNAC owned by JD Byrider. 

I recently traded my car in because the problems above were not fixed. They gave me my car back and said everything was completed. Not even a month later my car was broke down again. I called in for my payoff so I could trade the unit in and they said they would email it to me. I never received the email. I then got a preapproval for a new car and went to trade it in. At that point both the dealership and I attempted to get the pay off information. In the 6 times that I called to get the payoff I was hung up on, told that I could not receive my pay off. and that I had to trade the unit it on their lot. I was also told that it would take up to 72 hours to get my payoff. I then told them I was going to file a complaint and they hung up again. The last time I called they finally gave me the pay off. Now CNAC calls me EVERYDAY and tells me I am delinquent on my car loan that I no longer have with them and I have told them several times that I traded it in and they still continue to blow my phone up. They are now going to report my payment as passed due on my credit even though I no longer have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I received a text from Chase that there was suspicious activity on my personal checking account. Someone had taken {$3000.00} out of an ATM about an hour from where I live ( I live in XXXX CA and the ATM was in XXXX XXXX ). I immediately called Chase and said that this was fraudulent activity. I still had the ATM card in my possession. The customer service representative said she would shut down this ATM card and send me a new one. 

Later that day I checked my personal checking account online and someone had entered the branch and withdrawn {$8200.00} from a teller using a fake id. So that was a total of XXXX from that account on XXXX. I immediately called Chase to report the fraudulent activity. The customer service representative said that Chase would suspend this account and I should go to a branch to open a new account. 

On the morning of XXXX I pulled up my Chase business account online and saw that there was an unauthorized withdrawal using a deposit slip of {$10000.00} at the same XXXX XXXX bank branch. So this is the THIRD unauthorized transaction on XXXX in XXXX XXXX. I immediately called Chase and they told me to go to a branch to close this account and open a new one. 

I went down to my branch on XXXX and filed XXXX fraud claims : one for the XXXX and XXXX unauthorized transactions on my personal checking account and XXXX for the {$10000.00} unauthorized withdrawal on my business account. Both accounts were closed and I opened XXXX new ones. 

After several calls with Chase and faxing several affadavits, Chase has refunded the {$3000.00} ( ATM transaction ) and the {$10000.00} ( unauthorized business withdrawal ). They refunded the $ XXXX because the signature on the withdrawal slip at the bank was clearly not my signature. 

After XXXX separate appeals Chase has continued to deny the claim for the remaining {$8200.00} because it was " a pin transaction '' This despite the fact that the {$3000.00} they refunded was also a PIN transaction and they alerted me to all this fraud to begin with. They told me my only recourse was to file a police report which I did on XXXX. The police detective said he was optimistic that they would be able to get video footage from the bank to prove that this was theft. However, he said it could take a while because Chase is " notoriously uncooperative with police investigations. '' I do not yet have an update on that investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CT

Complaint narrative:
On XX/XX/2021 I received a letter in the mail with a final notice regarding my student loans stating that I needed to make a call to XXXX to be eligible for a payment and loan consolidation program. On XX/XX/2021, I called the number and spoke with a representative XXXX, who informed me that I was eligible for the public service loan forgiveness program in which I would pay {$39.00} for 120 months and after the XXXX months my loans would be forgiven. He said I would have to pay {$1600.00} in doc fees but I was eligible for deductions and it cut down that price to {$990.00}. He then gave me XXXX options pay XXXX payments of {$330.00} or XXXX payments of {$390.00} in which I chose the second option. I provided my bank account information. He also before starting changed my password for my FSA ID ( which I realized after ). He then sent me a link to my email in which I had to sign off on some documents, which I have attached. I asked XXXX what XXXX XXXX were and he stated that it was the agency they used to sign documents. I confirmed my social and signed the documents and submitted them. He then told me I would have to print and sign and submit some paperwork in order for the payment plan to start. After hanging up I researched XXXX XXXX and realized it was a scam. I called my loan agency ( mohela ) and contacted my bank and Im also monitoring my social through credit karma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/21, and XXXX XXXX XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i filed a dispute of my XXXX XXXX XXXX XXXX XXXX account that is charged off through transunion about a month ago or a little less than that. i keep calling asking for the update on the dispute but they keep telling me differently like i havent filed a dispute or there is no dispute concerning the account on the credit report. i have called countless times to get them to dispute the account. i have XXXX accounts with XXXX XXXX XXXX and all they can say is the account is closed but XXXX account is still showing charged off.

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