vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have an established XXXX  I buy sell and trade electronics sports cards game consoles I have business account and credit card with chase over the course of the week I have order a chase XXXX  XXXX  card reader that I got last Friday I used it for the first time Saturday expecting payment be in my account Sunday midnight after Tuesday I contacted merchant services who told me the payment is under review and would not tell me why then receive email to sum not documents showing products ein and other information sent it immediately then get email saying my account close to high risk and I can submit a reconsideration which I did and they upheld they decision and for no reason sent my payment back to consumer so now i dont have the items gym shoes and dont have the funds for my products and they XXXX party company who handles quick accept telling me to contact the buyer to recover funds or money which there is no way for me to do so and from. What I seen on XXXX Im not the only they been doing this to i was told the money be held for 30 days then all sudden its being sent back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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 XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

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 2022-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I was not notified of my right to rescission as required by law under 15usc1635. I would like to rescind this transaction, retain possession of the property, and receive compensation for payments/ down payment sent to this company. in accordance with the law.

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 2022-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage was transferred from XXXX XXXX to XXXX by mr cooper as on XX/XX/2022. I sent my payment to the payee information on the my XXXX loan website and it was deducted from my bank account and never applied towards my balance. They are claiming i did not send the check. I had a 3 way call with mr cooper and XXXX and they confirmed payment was sent to the correct address and account number. Now mr cooper has sent me an email stating they can not find my payment still and that I am responsible for paying even though they processed the check against something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I received my Innovis Credit Report and found inaccurate information listed on Innovis Credit Report. The following Requests Others Can See are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX Financial XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX and XXXX, XXXX XXXX, XX/XX/XXXX XXXX the following Requests Only You Can See is also fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Innovis Consumer Assistance XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX following addresses listed on my credit report are not my addresses : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX and XXXX XXXX XXXX, XXXX, AZ XXXX, I have never resided at the listed addresses. Furthermore, I want the Opt Out immediately deleted and removed from my credit report. I want to Opt In for promotional offers of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Westlake Services, LLC
State: LA

Complaint narrative:
They sold me a lemon the car is junk it been broke sitting park and he dont wan na work with me he said to contact his lawyer the car has outrageous miles they have me paying XXXX an something an I put XXXX down on a car thats not worth nothing he knew he sold me a lemon an told me to file my lawsuit an they dont wan na give me my money back for a XXXX  XXXX XXXX XXXX XXXX XXXX is the name of the company in XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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:
I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my XXXX  XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.

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 2022-02-06 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: VA

Complaint narrative:
I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.

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 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXANK XXXX XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-06 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: TX

Complaint narrative:
These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TX

Complaint narrative:
These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.

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 2022-02-06 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: MI

Complaint narrative:
I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
ADVERSE ACTION ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by GM Financial XXXX XXXX XXXX I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). GM Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ 1681M 3.

12 CFR 1002 Since the letter you sent me dated XXXX XXXX both a proof and evidence that I have been discriminated against, you are also criminally liable. GM financial should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. Thank you

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 2022-02-06 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I was in a horrible accident and my car was completely totaled. Since then my car insurance paid off their portion of the amount. Also working with XXXX insurance to pay the amount of the car off. Since than credit acceptance has continued to charge me the full monthly payment of XXXX $ for the past year. This includes hurting my credit score for over a year charging me for a car and a loan that should have been closed last year. I now have over a {$14000.00} balance. Ive tried to reach out to the company and have filed multiple complaints and havent heard back and I still continue to get charged.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian will not provide me with a complete and accurate report as required by law. They did not conduct the FCRAs required and legal investigation based on my factual dispute ( re : XXXX XXXX XXXX Acct # XXXX ) In Experians notification to me ( Report # XXXX Date : XXXX ), I was informed that they would not reinvestigate my dispute, even though they could not provide proof that they processed my initial dispute. 

My credit report does not reflect an update that would coincide with an investigation. The last update for this account is XX/XX/2020. My report is also missing its Notice of Dispute, which means Experian never investigated my 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 2022-02-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. Experian is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and XXXX. XXXX XXXX is being reported inaccurately on all three ( Experian reporting a late payment in XXXX while XXXX and XXXX are one late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is one payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.

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 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited {$200.00} as a security deposit for a Secured Student Credit Card with Capital One. I received the card today XX/XX/2022 and tried to activate the card. The online activation link directed me to call Capital One to complete the activation. The representative at Capital One informed me that my cellphone could not be used to verify my identity and that I would need to upload a copy of my license or I'd card. My id has been lost and they informed me that the card can not be used until I provide id. 
I requested that the card account be cancelled and the {$200.00} deposit be refunded to my bank account. Capital One stated that I would receive a check for the deposit in 14 business days. I requested that the money be put back in my bank account because I can not cash a check without id and I need the money on the card to get my id. The money has been tied up with Capital One for over a month already, I am a student with limited financial resources. This is causing financial hardship for me because I can not access my money that I deposited in good faith for use of the credit card. I verified my identity when applying for the card with my social security number and birthdate. My telephone number was accepted by Capital One to get the funds and other text messages but now it's not accepted to use the card. 
I would like access to the card or have my money credited to my bank account. I did not use a check to deposit the funds and I should not have to accept a check for the return of the funds.

Company response to consumer: Closed with explanation