vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: NJ

Complaint narrative:
I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to TransUnion and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on TransUnions 's website and came across XXXX and XXXX is the vendor for public records in which TransUnion records. Problem is, if TransUnion did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On XXXX 's website it states " TransUnion, not XXXX, matches bankruptcy information to the TransUnion consumer credit files. '' XXXX trying to understand why TransUnion would tell me that the court house hired the third party? How can TransUnion trust this information if XXXX hasn't verified this XXXX before selling it to TransUnion? I want to make TransUnion aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full XXXX dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX  report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that TransUnion should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, On XX/XX/2021, I did an international wire transfer to a supplier in XXXX through the wire transfer system Chase Bank offers through their online platform. The amount has been debited from my account, but the money hasn't been received by the recipient. I submitted a claim through the Chase portal and I haven't received any communication from them and it's been already more than 1 week. 

I called customer service and they said it should be completed and there's no guarantee they can recover the money if it didn't arrive at the recipient. I filled a claim through their secure message system and nothing, it's just like they don't care! 

The amount of the wire transfer is USD XXXX which is the equivalent to XXXX XXXX pesos. 

Sender Bank : Chase Bank Recipient Bank : XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. Which involved a finance charge along with a down payment of { {$3000.00} } cash. Pursuant to XXXX5 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX XXXX is in violation of the 15 USC 1605 Truth In Lending Act. Capital One Auto Finance didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable for double the amount of my finance charge { {$47000.00} }, pursuant to 15 USC 1640 and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I continue to receive notices from Victoria Secret stating I owe on a credit card purchase. I have never taken out a credit card with this company. I am a XXXX year old lady that bought my grandaughter a nightgown online where I purchased it before it shipped. 

I wrote to Victoria Secret and they state I owe it. I never gave them my social secuirty card so how do they have a credit card in my name??? 

I am getting late fees and this is destroying my good credit. 

Each statement has a different amount owed and charged. I dont charge at this store!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank continues to show retaliation towards me for making complaints. They are now allowing a company steal my money and not help me even with proof. XXXX is a company I found on XXXX to start my XXXX. These people are thieves and stole my money. I trusted them paid them in XX/XX/XXXXmy XXXX should have been up and running by XXXX XXXX.IT NEVER HAPPENED. I gave them another month NOTHING happened. Then another month nothing happened. They lead me own caused me to not have no income for over 3 months. NOT FAIR. I was told I can dispute with my bank I did and was denied with no contact or concern. That was my entire savings to start a XXXX and they destroyed that. Now my bank I supposed to trust are allowing them to steal my money and they didn't deliver their service. It should not matter that it was a ACH the services weren't RENDERED. That is a illegal charge. Chase is allowing with no care and causing life changes in my financial life due to this company not following through and now my bank not having my bank. Chase bank has an ad to give money back until they investigate not with me they decided and denied no questions asked. NOT FAIR. They stole my money. 

How can your complaint be satisfactorily addressed? 
I trusted this bank and now they are letting me down. This bank is allowing XXXX to steal money from me. I want my money back as I am well in my rights to do so and per Chase agreement. Chase is not following protocols to protect their clients and not fair ethics practice. I gave proof and no help at all without even contacting me through the process. RETALIATION is only happening because I filed complaints. Chase needs Refund the money they stole from me. Right is Right and Wrong is Wrong. Chase is suppose to put their customers first and treat them with respect. They are allowing a merchant steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
Upon checking my credit report on XXXX XXXX I noticed a listing from AMERICAN PROFIT RECOVERY that I allegedly have an open account with them that was currently in collections. On XXXX XXXX I mailed a debt validation letter to AMERICAN PROFIT RECOVERY in pursuant to 15 USC 1692g for validation of the debt, to see if they have the correct person and any evidence that owe them. On XXXX XXXX I received a response letter from AMERICAN PROFIT RECOVERY stating they their company does not have sufficient information to provide me ; meaning no proof that I owe them. This has been exhausting and time consuming between work, having to type up letters, wasting precious fuel traveling to XXXX to print the letters, purchase unnecessary stamps and envelopes and all for a alleged debt to a company cant even support their claim of owing them ... AMERICAN PROFIT RECOVERY never provided me evidence that I owe them anything and thats because I dont. 

I attached an EXHIBIT A -showing their several violations and the Cease and Desist letter I sent them on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fig Tech Inc.
State: UT

Complaint narrative:
I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: VA

Complaint narrative:
Transunion, XXXX, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a continuance from a complaint I have already filed. More happened after I made the original complaint. The file number is # XXXX. 
I received an email on XX/XX/2021 stating there has been unusual activity on my account and they are restricting it. I called and they advised me that I need to open a new one and transfer my money into that one since this current one was compromised. She ( the employee ) walked me through opening a new account and I was able to transfer what I had in the old account into the new account. 
2 days later, I receive the same email on my new account and they locked it down and restricted it. Only saying they denied my claim and will not be doing business with me again. I drove over an hour to withdraw my money in person. I have been with Capital one for many years and I have always bragged on them and told people what a good company they were and how easy they were to work with. 
I have 1 issue ( and a major one ) and they deny it and try and get rid of the problem. After much research, I found where there has been XXXX fraud with Capital One before not long ago. I will not let this issue go. I have lost a lot of money with this and I won't be quiet about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Received loan, received 1st statement XX/XX/2021 for loan. Made {$30000.00} payment. In XXXX, there was no statement sent, no contact stating there was an issue with statements. Website showed I made a {$30000.00} payment and 1 auto payment of {$190.00}. No balance was provided, no ability to pay off account unless you guessed the balance. 
XXXX XXXX I looked, no information since XXXX XX/XX/2021. No email stating there was an issue. No way to find current balance. I wound up calling the company to find out the balance as I had wanted to pay off the account since XXXX. The company was quite aware that no statements went out in XXXX OR XXXX ... and they apologized, then let me know my current balance after my payment, had gone from {$9300.00} to {$9600.00} ... and increase of {$330.00}. 

My concern is the company : A ) Had billing statement errors, provided no notification, and no visibility or ability to see current balance, even with an active online system. 
B ) Managed to still charge interest to customers while failing to comply with federal regulations. 
C ) Provided no way to see balance or ability to pay off balance without guessing. 

I can't even call if I don't remember their name because I don't get statements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On approximately XXXX, I applied for a Chase Freedom Unlimited credit card through the Chase app. Chase advertised and continues to advertise 5 % cash back on grocery purchases for new cardholders. 
After applying, I received notice from Chase to contact them to complete the application by phone as soon as I was able to temporarily lift one of my credit freezes. I did so. At the same time, with the same phone rep, I closed my Chase AARP Visa. I received the new cards shortly thereafter. 
On XXXX, at the end of the first billing cycle, I saw that I was not credited with the 5 % promotional cash back. I contacted Chase and spoke to several people who could not understand why I was not receiving the correct cash back incentive. One supervisor even adjusted my balance to make up for the shortfall during the first billing cycle as she " escalated '' the complaint. 
The escalation and/or correction of the issue has been denied now at least three times. I have spoken in person, over the phone, and through several emails with a XXXX Chase branch associate XXXX XXXX XXXX XXXX ) XXXX who initiated a branch escalation which was also denied. XXXX is also dumbfounded as to why I have been denied the advertised offer. 
XXXX, of the Chase Escalation Department ( I'm sure they have another name for it ), told me on XX/XX/XXXX that the marketing department denied my claim again. 
The closest anyone has come to possibly explaining the issue was an unknown Chase employee subject at the other end of XXXX XXXX  who said he believes I applied through the wrong portal. The original portal was the Chase app. The error may have occured with the person I talked to after lifting the freeze. Regardless, the offer was in effect before, during, and after I applied, and it is still an offer today. My greatest concern is for the elderly and others struggling financially who may have thought they were getting a good deal and did not in fact receive what was advertised to them. Many of these people more than likely assumed they were getting what was promised but really have no idea. They trust what a company like Chase tells them but fail to verify, just as many people really don't look too closely at their utility bills. 
If you have the ability to correct this issue, I appreciate it. I have a feeling if I am experiencing Chase 's " glitch, '' many others are too. If Chase is unaware, that's one thing. Now that they've been made aware, refusing to address the problem and correct it entails culpability. 
This is not a money issue for me. As of this date, Chase only owes me {$49.00} after three billing cycles ( remember, one supervisor already credited me the difference after the first billing cycle ). This issue is about honesty, truth in advertising, fulfilling obligations, and treating customers fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have over 13 hard inquires for different companies ive never requested credit from ; Capital one financing Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
After buying our new condominium in XXXX we received a tax bill for the whole building in XX/XX/2021. I promptly forwarded to the escrow company that bill ( {$3300.00} ) with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} by XXXX. The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. 

By XXXX we received the second quarterly bill for the building. The total owed by our unit is {$2200.00} and we have received {$37.00} in interest for non payment of the first quarter. I again contacted the mortgage company multiple times by phone, email and text. They assured me that the bill will be paid by the due date, XX/XX/XXXX. 

On XXXX we got an escrow analysis done and they estimated the real estate taxes to be {$10000.00}, up from {$6600.00}. So now our payments are increasing {$580.00} per month without an actual split bill from the city and without any disbursements made for real estate taxes. 

Today ( XXXX ) I contacted the mortgage company again because the real estate tax bill has not been paid and they stated that they will not move until the city splits up the building into individual tax bills. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance is reporting inaccurate information monthly on my credit report. The loan was paid off by gap insurance when the car was totaled in 2016.

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 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have several incorrect issues reporting in my credit reports with XXXX, TransUnion and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation