vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CarMax, Inc.
State: TX

Complaint narrative:
CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I made my payment for my home equity loan for XXXX. On XX/XX/XXXX I made my home equity loan payment for XXXX. The bank applied the payment I made on XX/XX/XXXX to the principal and not to the XXXX payment. They charged me a late fee for XXXX and applied my XXXX payment to XXXX, and my XXXX payment to XXXX. In XXXX, the bank manager at PNC Bank, XXXX XXXX, Maryland instructed me to make two payments, told me the late fees would be waived and that I would get {$150.00} ( the amount of my payments ) back within ten days. That was on XX/XX/2019. To date, I still have not received the {$150.00}. I have exhausted my attempts to contact the bank through phone calls, their XXXX page, and have now enlisted the assistance of any attorney. I am getting no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for an Amazon Store Card. I feel like I am getting the run around from them and that I have an unnecessary inquiry on my report ( XXXX ) because they continue to deny me. They pulled my report. My score is a XXXX. I have no negatives on my report and no one can tell me why. XXXX  can't tell me and Synchrony can  not tell me. If they are not going to approve me, I would like to know why. I spend a lot of money with them and I would like to have a card through them, but I don't understand why I keep being denied. The automated system is flawed and they should have some type of manual review for cases like mine.

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 2019-08-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: I.C. System, Inc.
State: AZ

Complaint narrative:
I have one collection from XXXX XXXX XXXX for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is IC System for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.

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 2019-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ho may concerns this is happen onXX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets withXX/XX/XXXX for my parents coming from XX/XX/XXXX to XX/XX/XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing  both tickets i got an email from XX/XX/XXXX saysXX/XX/XXXX change the layover to 13hrs instead of 3:05hrs so i called XX/XX/XXXX to ask them what happend i got the answer back those changes were made from XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX only third party i was on the phone with XX/XX/XXXX for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XX/XX/XXXX representative they are unable to refund the transaction they have to reach out to XX/XX/XXXXXX/XX/XXXXwhich they did and XXXX  airline refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX  XXXX dated onXX/XX/2019 so my parents did not  traveled on XX/XX/2019 with XXXX   XXXX  they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's  my right i spoke with XXXX   bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerelyXXXX 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 monetary relief
Consumer complaint received 2019-08-14 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: AZ

Complaint narrative:
Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.

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 2019-08-14 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: FL

Complaint narrative:
I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
It's not my accounts. I don't have any agreements, contracts with this companies. I believe that somebody used my personal information and opened cards on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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:
On XX/XX/XXXX I sent etters into the three credit companies XXXX, XXXX  and Experian. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXX and XXXX XXXX account number XXXX the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been  successful.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My lender has not made any attempt to contact or communicate with me regarding the loan modification process. For the last year I’ve  made several attempts to receive a modification review. I have not received any info from the lender via mail or postal. I did receive a letter with a sell date pending and no info on why I was denied a modification. In order help me better afford the property I have rented out 3 of the rooms. This has given me the ability to afford new terms with my mortgage. I would like to be properly reviewed to be able to get receive home owners assistant in order to keep my home.The renters have also filled a complaint against my property due to the property having mold. Due to the foreclosure status I’m not able to file a claim with the insurance to fix the problem. This has cause exposure to mold to my tenants and myself  because the lender will not communicate with me . I would like to be contacted immediately so I can get this matter resolved. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX, I have collection of $XXXX    from my old apartment, and they send me mail or latter after putting this money to debt collection ,before that I did not get inform ,when ever I got this amount  of bill I did pay in full of $XXXX. Now im just woundring for how long this collection mark stay in my XXXX XXXX. This is my 1st collection ever I really don't have an idea.   Thanks .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NJ

Complaint narrative:
Hello, I would like to challenge the ruling that was mailed to me recently deny my claim by Chase Bank in regards to the that happened on XX/XX/2019.The charge was due to a Scam in which I was scammed out of over 400 $ by this individual/sneaker retailer.The individual/retailer was contacted by me in regards to some sneakers they had been advertising online .I sent the money through XXXX XXXX for two separate purchases one for XXXX and the other for approx 160 .I would like the transactions reversed due to the fact I never received the merchandise and the merchant has since disappeared and removed all online listings of products.I have contacted my bank and provided them with pictures of the transaction details and they have denied me my reversal .I do however feel like the agent that I intially spoke to has some bias towards me due to our previous interaction prior to the denial .I am a working individual and I have never been late with any payments and have payed off thousands of dollars to Chase Bank credit card .Chase recently sent me 2 letters denying both claims and the explanations for denial sound skeptical.Please help me! 

thankyou for your time and I appreciate your review of this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX XXXX  NEGATIVE ACCOUNT.

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 2019-08-14 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: FL

Complaint narrative:
I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.

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 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act.

If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older.

( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities.

( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 

2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. 
By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I went into XXXX XXXX today to check my credit report and noticed I had a debt from Debt Recovery Solutions for {$150.00} from my understanding this debt came from a pay day loan. I have never ever used a payday for money especially for a {$150.00} I have an husband and family members I could have gotten a {$150.00} from. I had this problem once before someone had use my information for cell phones and cable company. I am pretty my information was used but it wasn't me and this need to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX  : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

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 2019-08-14 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: FL

Complaint narrative:
PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
The Condo association I manage has a bank account with Valley National Bank. I am listed as sole signatory on account. My name is XXXX XXXX 
On XX/XX/2019 a fraudulent check was written in the amount of {$5500.00} to someone named XXXX XXXX and SIGNED by XXXX XXXX and the check was never flagged nor was I notified. I only realized there was fraud by looking at the generated paper account statement and by that point in time weeks had passed. 
By the time I notified the bank I was told the 30 day allowance to recover fraud monies had expired and they were not bound to cover the loss to the account. 
I believe there should be some culpability by Valley National Bank for allowing a check to be cashed by an individual whose name and signature was NOT listed on the account. And for not notifying me of said activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Service in XXXX XXXX, CO is making up fake accounts and reporting them with late payments on my credit reports. I never had any accounts with them and don't owe them any payments but they put 90 day late payments on my credit report and total destroyed it. Please have them remove it from all my credit report ASAP.

Company response to consumer: Closed with explanation