vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AUTOMOTIVE FINANCE C Inquiry : XXXX. XXXX, XXXX, XXXX/XXXX  Inquiry : XXXX XXXX, XXXX, JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am part of the Federal Government Forbearance program & I started getting the forbearance in XX/XX/XXXX I have an FHA loan the Government stated that all missed Mortgage payments will be added to the back of the loan period & My loan would have started XX/XX/XXXX, But in XX/XX/XXXX FHA issued a new guideline that all FHA loan will be extended to XXXX, XX/XX/XXXX FHFa issued a similar statement, I notified Mr. Cooper my Mortgage servicer that I intended to accept the Government offer to have my FHA loan extended to XX/XX/XXXX, I received a letter from Mr. Cooper that that is unacceptable & they are demanded I commence my payment as of XX/XX/XXXX, XXXX, They are not complying with all the Federal regulations extending Loan Modifications & they are requesting that I accept their agreement to commence payments, I am requesting your immediate assistance in resolving this matter on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: CO

Complaint narrative:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. On XXXX  it indicated the collections as Central credit, but on XXXX  it indicates collection agency as Penn credit. They removed it last month off my XXXX  then added it back this month and that is violation of FCRA and FDCPA. the credit bureaus also refusing to provide method verification that the acct and amt are accurate. They refused to provide license #, address, if they can collect under 2 different entities. DEBT VLAIDATION LETTER WAS SENT XX/XX/XXXX CERTIFIED AND NEVER RESPONDED TO. AS WELL AS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus XXXX XXXX and Transunion about the unverified accounts XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter

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 2021-03-09 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: AL

Complaint narrative:
In XXXX and XX/XX/2021, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified accounts XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I have an account with Robinhood financial LLC. In XXXX I tried to withdraw my funds and because of a {$50.00} reversal when the account was first opened, they have locked my ability to withdraw anything. The early issue was resolved right away. I only learned this from searching their help screens. Now Ive been trying to contact them for several months and have a case number ( provided in attachments XXXX. They will not unlock my account, they will not reply to my several requests XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, over these months leaving me no other options but to file this complaint. We are a XXXX couple living on a fixed income and need the money they are holding. Please help us? 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I bought a XXXX dollar tv and sound bar totaling around XXXX. Turns out the tv is defective and due to them being understaffed and phone problems anytime they put you on hold it disconnects you. They said I never reached out within a month since apparently they wash their hands after that. I purchased XXXX XXXX  warranty too which they have not done anything with and refuse to help fix their defective item. I also got a Best Buy credit card for this purchase specifically which I wouldnt have otherwise which they are doing nothing on their end on the dispute besides seeing what Best Buy wants to do. They have an interest obviously and are siding with their interest not getting any info from me regarding this issue. Ive attached videos of the issue which is a processor issue that delays the sound. Ive also attached Best Buys response which is a lie I contacted them twice once on the phone which I was on hold for 30 minutes then placed back on hold and it disconnected and in store where they said just to watch it and see if it happens again.

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 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: PA

Complaint narrative:
CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. 
CarMax never responded to my Affidavit. 
I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer participated in a consumer credit transaction. 
I'm the original creditor, lender, executor administrator and holder in due course. 

See Affidavit sent XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: IN

Complaint narrative:
Not sure where this came from was told debt didnt Exist and was not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that proof of the alleged debt, nor therefore any such debt, in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: GA

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MN

Complaint narrative:
First Advantage performed a background check on me on XX/XX/2021 for employment screening purposes. A Felony & Misdemeanor Record Search produced a Petty Misdemeanor result for me, however, I've never been charged with any type of crime let alone this specific crime. I believe this petty misdemeanor was someone else with my exact name and date of birth. 

This misinformation has not held me back from employment, but I would prefer this not be tied to my name any longer. I have a common name so a more thorough search should be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CO

Complaint narrative:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. ERC removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. XXXX, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a charge account through Slate Chase Bank years ago ( I would guess over 7 years ago ) I became late with payments and was contacted by collections regarding the closure of my account and setting up arrangements to avoid legal action by phone or threatened to take me to court. The balance was under {$2000.00} I believe possibly less, it was not extremely high. I was told in order to stop legal action I needed to enter into a payment agreement to pay off the balance, the call was allegedly recorded. The agreement was that I set up auto monthly payments of {$39.00} to pay off the balance. Credit Account was closed and could not be used until the balance was paid in full. No interest charges were to occur because the account was closed and in collection. I agreed. Since that time I have had {$39.00} a month taken from my bank account but they have continued to charge interest every month so with the account closed all those years of payments my balance is still {$1500.00}. I have tried to call and am refused to speak to a manager, customer service says the account is closed and they will not speak to me about the account until the balance is paid in full. I think this was fraudulent collection activity at the beginning and still to this day. I would like to stop receiving bills and I believe they owe me years worth of overpayment to the original balance I paid. I have also filed a complaint with the XXXX  and the attorney Generals office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. XXXX removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. transunion, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: UT

Complaint narrative:
I opened an account with Self so I can improve my credit a few months ago. I made a series of payments into my account but just realized the program was not explained well and seem to be losing money instead. I closed my account and asked for a refund but the company is only refunding a portion of my deposits and keeping interest. I was also charged about {$10.00} to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Early Warning Services, LLC
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX TAB | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Khols called my mothers work. She isnt a co-signer and has nothing to do with my account. They also call at least 15 times a day. They call on weekends, before XXXX everyday and sometimes as late as XXXX at night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX XXXX and XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank is the worst banking institution I have ever used. They allowed money to be stolen from my account. They locked my access to my account. They cut off all my money with no permission whatsoever. They are terrible with customer service. They never handle any of it properly. They make you wait with no information whatsoever. They are a terrible company and it needs to be known just how bad they are.

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