vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On the 21 day of XXXX XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction. During the consumer credit transaction I produced my credit card which was my social security card and my driver 's license for the consumer credit transaction. Pursuant 15 USC 1602 ( l ) Thetermcreditcardmeansanycard, plate, couponbookorothercreditdevice existing for the purpose of obtaining money, p roperty, labor, or services on credit. I filled out an application for an extension of credit, during the credit sale a contract has been offered without adequate disclosures. The contract that was signed with Capital One to purchase a XXXX XXXX XXXX, at the price of $ XXXX wish to cancel that contract.I was not made aware that XXXX XXXX XXXX took my credit to capital one and capital one took my credit to get a loan. I did not authorize that transaction, nor did i have any knowledge of what XXXX, XXXX, Pursuant15USC1602 ( f ) Theterm credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment a nd XXXX XXXX XXXX used my credit to get a loan in my name which in according to 18 U.S. Code 1028 is Fraud. Fraud vitiates the most solemn contracts, documents, and even judgments. U.S VS. Throckmorton On 7/21/21 I hereby exercised my right to rescind the agreement under the provisions of 15 U.S. Code 1635 - a certified letter was sent to the company and the receipt of return was sent back on XX/XX/XXXX .Right of rescission as to certain transactions, and ask that you return my downpayment of {$4500.00} and the amount that has been paid to date on the fraudulent loan within 20 days after receipt of the notice of rescission, as required by law.By law capital one auto financed has violated my rights as a consumer by not responding to my demand which was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report Citi bank account # XXXX XXXX XXXX XXXX # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of 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 2021-10-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant. 
- Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ). 
- The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute. 
- A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earm LLC
State: FL

Complaint narrative:
The company " MAC '' has multiple people calling my phone constantly from all different phone numbers and area codes. The latest number is XXXX. They leave voicemails non stop about a payday loan that I may or may not have taken out in 2016. I'm not familiar with the company name they keep saying that I owe and they won't give me any more details except a huge amount I supposedly owe. Which if I did get a payday loan out the amount they are demanding is more than double almost triple the amount of any payday loan I have ever received. They are calling family members out of state and telling them information that would not even pertain to them and calling all hours of the day. They are threating arrest for a bad check that is incorrect because the acct is now closed so they are telling family members I have write bad checks, which is false. I have spoke to different individuals. Every time I call no matter what time I am told they are not at the phone or desk or on another call and that they will return call in 10 minutes. They do usually call back about 30 mins later. I have requested a validation report on the loan which I still have no received and have asked them to please stop calling my phone because I don't have the funds to pay for a extra debt at this time with. No income XXXX children and unemployed right now due to the pandemic.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Last month, I chatted Bank of America about my XXXX XXXX Mastercard through the bank 's website. For context, when I opened the card application said that if I did not put in an XXXX XXXX Rewards number, Bank of America would automatically create a new rewards account for me. But lo and behold, Bank of America had mistakenly issued my XXXX XXXX Mastercard to an XXXX Guest Rewards number that was not even registered to my name! XXXX informed me that since this was a Bank of America error, they needed to be the ones to correct the misassigned number. So that's why I initiated a chat. The chat representative assured me that the bank would correct this problem by : ( 1 ) Ensuring that all points awarded to date would be credited to a new account I had just created. 
( 2 ) Ensuring that the companion and upgrade coupons would be added to the new account. 
( 3 ) Ensuring that the single-visit lounge pass would be sent to me via mail ( I had not yet received this pass ). 

Bank of America has completed item 2. However, item 1 is still incomplete, and item 3 has not been resolved. Thus, I am still out all my points from the XX/XX/2021 statement, as well as my single-visit lounge pass. This is disappointing as the original problem was caused 100 % by the bank. I should not have to wait multiple months for the bank to fix its own error.

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 2021-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
XXXX XXXX whos home address is XXXX XXXX XXXX XXXX, Il XXXX just recently closed on a property on XXXX XXXX XXXX XXXX Il XXXX. She used fake check stubs, used ppp funds that she transferred into a savings account to close and got an owner occupied loan and IS NOT living in the property it is and was from the beginning occupied and she is collecting rent via cash, XXXX and other methods to conceal the fraud. FHA and loan depot who facilitated the loan was notified to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: TN

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report XXXX XXXX  account # XXXX Portfolio recovery assoc # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute for 4 accounts that were not correct on my credit report. The dispute stated that the accounts were verified so I asked for a method of verification. Instead of providing me with a method of verification, they opened another dispute which resulted in the same conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our home was sold for {$250000.00} on XX/XX/XXXX. We purchased our home XX/XX/XXXX for XXXX. Loancare purchased our loan for {$250000.00} XXXX XXXX. My concern is that In XX/XX/XXXX our principal balance for our home was {$240000.00}. When we did our loan modification because we received a letter that we were behind on our escrow for almost {$10000.00} we were in shock. Our new payments went from {$1900.00} to {$3400.00} within a 2 weeks notice at the end of XX/XX/XXXX and they wanted the first payment of the new amount XX/XX/XXXX. We made one big payment of {$2800.00} XX/XX/XXXX and we came to an agreement to make payments of {$2000.00} for 5 months. This was a modification that they were able to help us with. In XX/XX/XXXX we were able to come to an agreement of monthly payment to {$1900.00} this is where we signed the loan modifications about our monthly payment. But we were not told about the {$72000.00} and how they came up with that number. Of course this being new to us we thought we were being helped to keep our dream home, that we worked hard for. 
In the end this was a downfall because in order to sell our home we needed to pay {$250000.00} almost {$8000.00} more than what we paid for our home initially. I want to know where did all our monthly payments from XXXX XXXX XXXX  go to. I feel like we were cheated and no one from the mortgage company could give me an answer of where all our payments went to and how they came up with {$72000.00} in the partial claim. 
You cant tell us that we made no payments towards are home for the last 4.5yrs.

Can someone please help us with getting answers and trying to figure out how we paid more for closing on our home then when we first purchased it 4yrs ago.

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 2021-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I notified Chase JP Morgan Bank and made Bank representatives aware that a maintenance worker from the apartment complex XXXX XXXX located in Normal IL, I previously resided at entered my apartment unauthorized to do so, illegally and stole my debit card which is connected to my Chase Checking and Savings Account. 

A Chase telephone representative assured me that my debit card would be cancelled and my account would be put on a freeze until a new debit card was issued via mail. I informed the representative to cancel my debit card and freeze my account, but not to send me another card because of fear it may be stolen again due to this apartment complex having illegal access to my apartment. 
The representative assured me my account would be frozen and debit card cancelled. 

Fast forward on XX/XX/XXXX, XX/XX/XXXX, and XXXX my personnal funds totaling {$20000.00} were stolen out of my Savings Account ending in XXXX and my entire Savings Account depleted to a XXXX balance. 

I immediately notified Chase Bank of what had occurred and questioned them on their negligent behavior in allowing this crime and scam to happen as the account and debit card was not cancelled and frozen as they assured me it would be. I have strong reason to believe the representatives working at the Chase Bank located in XXXX IL committed this act as I had to file a complaint against the Branch Manager. 

I was told to go to the branch where the crime took place and retrieve a print out of my bank statements in addition to a affidavit form to file the complaint and start the investigation process. 
After faxing the required paperwork to Chase personnel, bank representatives continued to play games. 

Upon notifying Chase each representative answering the recorded call gave me misleading information, played phone tag and acted oblivious to the incident of my account being illegally targeted and my funds being stolen. 

I have since filed another complaint and a second investigation with their Executive office, one of which they refuse to resolve this issue. 
It has now been 2 months of constant back and forth with this establishment. 

They will not refund my personnal money even after seeing that I am a victim of fraud and representatives continue to act as if nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: TN

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with United Auto Credit on XX/XX/2019. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges. United Auto Credit bill me for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
A move was coordinated with XXXX XXXX XXXX XXXX XXXX  ( XXXX, MN ). The company didn't complete the move and I was reimbursed my credit charges by Chase ( XX/XX/XXXX ). After the company sent Chase fraudulent paperwork and an incomplete itemized, they then returned the charges back to my account and stated 'we can't control what the vendor does ' in XX/XX/XXXX even though they had returned the charged. They even received photos of items stored in other states due to the company not completing the hired move, unloading at the wrong location, and being completely inappropriate with my undergarments ( there's even a police report which Chase was aware of ) and the moving company claimed 'it must be one another load ' yet charged for a private one. I went into the XXXX XXXX XXXX location ( XX/XX/XXXX, XXXX ) and they refused to give me my paperwork ( over 6 months of stringing me along to file new information which was able to produce each time ) and stated 'this would be a needle in a haystack then recommended I sue them knowing an attorney would cost about the same as the XXXX owed form in complete services and any item that did arrive was damaged ; my bike even intentionally so. Chase then told me to stop interacting with company as 'they 'd make it right '. They have not and then used 'COVID ' as the excuse for not being able to meet anyone in person. I then went to a XXXX XXXX location and XXXX told me 'you look depressed ' and called customer service whom said they couldn't except my paperwork due to the evidence being 'photos ' yet they were happy to accept fraudulent paperwork from XXXX XXXX XXXX  XXXX XXXX to return the charges to my card which I explained at the XXXX location XXXX XXXX and XXXX. They then told me it was out of my hands and demand I need to make the trip to them again to resolve it. I've stopped there three times. XXXX then handed out my private phone number against my permission and refuses to coordinate check owed or provide the many, many documents Chase has received over the past year so I can file warranted civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have sent payment receipt copies of all payments, still being inaccurately reported and not corrected? Inaccurate Property Description refusal to correct? 
Inaccurately Principal Balance reported? 
XXXX United States Bankruptcy Court paid {$46000.00} only applied to the loan {$4600.00}? 
Recharging the customer for Payments the Bankruptcy Court has already paid? 

Sent unknown persons to my home Sunday, XX/XX/21 to verify if someone lived in the home or any damages? Mortgage Company sent our payment back to us, I remailed Priority Mail Tracking Number. I have sent 7-8 Priority Mail with tracking numbers none have been answered? I will not Refinance or have another Mortgage company buy out when there is inaccurate Principal balances due to Mortgage Neglance?

Can submit all Payments Receipts, Tracking Information Recorded conversation under separate cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I informed them that the debt wasnt mine and to provide evidence they didnt and now its showing on my credit report and thats a violation I order it to be deleted off my credit report unless yall have the original documents showing that its really me. All three credit agencies I am excising my rights under the Fcra section 609 to request information regarding the source of the information which is the original contract thats contains my signature and my identification which is date of birth and ssn from the debt collector Franklin collections of the information cant be provided please delete this off my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX 2. XXXX XXXX XXXX, XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX # XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
In XXXX Barclay sued me for an outstanding credit card balance of {$2500.00}. 00 that had went to collection. Through my attorney and Barclay 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I believe Barclay did not report this account status in a timely fashion and as of today XX/XX/XXXX. The account status remains 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 explanation