vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My loan was transferred to Mr. Cooper from XXXX on XX/XX/2021. The loan is in good standing and came over in good standing but with an incorrect monthly payment amount which has caused misapplied payments, an incorrect escrow balance and an incorrect loan balance. 
I have spoken to six ( 6 ) different Representatives and your Escalation Department but the errors and mistakes continue to exist. This has been going for over 45 plus days since the loan was transferred to Mr. Cooper. Ive contacted Mr. Cooper by phone, I spoke with a XXXX on XX/XX/XXXX, I spoke to a XXXX on XX/XX/XXXX, I spoke to a XXXX and XXXX on XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and continue to email XXXX XXXX XXXX for updates. All this has resulted in nothing, no action taken to correct my balances by Mr. Cooper. 
By their own admission, loan activity review and verification by each Representative the balances are incorrect. My monthly loan payments are made on time but are misapplied each month to the principal, interest and escrow. And still Mr. Cooper has taken no action to rectify these errors and mistakes since the loan transferred on XX/XX/XXXX. 
I sent a letter to correct the errors and mistakes on my loan. They only corrected the amount for XXXX on XX/XX/XXXX but not the misapplied principal, interest or escrow balances for XXXX and XX/XX/2021. I was told if there were any misapplied payments they were done. 
Here are the details for the adjustments and corrections. 
Prior to Mr. Cooper taking over loan servicing, payments were made to XXXX for the projected escrow shortage. These payments were made prior to XX/XX/2021 in the amount of {$140.00} reapplied on XX/XX/2021 from date of payment on XX/XX/2021, {$140.00} on XX/XX/2021, {$1000.00} on XXXX and {$670.00} on XX/XX/2021. The total amount paid for the escrow shortage was {$1900.00} and all this was not applied to the escrow appropriately. 
The XXXX payment was made to XXXX on XX/XX/2021 in the amount of {$2300.00}, the extra {$140.00} should have been applied to principal. The XXXX payment was made to Mr. Cooper on XX/XX/2021 in the amount of XXXX, the extra {$140.00} should have been applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed a fraud claim dispute about a checking that was opened in my name since I've been XXXX in the Oklahoma department XXXX XXXX since XX/XX/XXXX and I've been at XXXX XXXX XXXX XXXX since XX/XX/XXXX. Till date I've never received a letter or any update regarding this issue with this account opened under my name.

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 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Four Directions Lending LLC
State: CA

Complaint narrative:
filled out my information for a loan to consolidate my bills. received loan agreement to sign via e-sign. upon review they are trying to charge {$2300.00} on {$350.00} loan. that an apr of 700 %. if i hadnt been diligent about reading the loan documents i probably would be getting wallet XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I complained to Chase Bank for a fraud for XXXX dollars of which I was a victim on XXXX XXXX and that the Bank considered that there had been nothing illegal and therefore did not return my money.This day this complait was sent to the Chase Bank and on XX/XX/XXXX the Bank responded by denying the claim again.After several attempts I was able to speak with XXXX the person from the executive office who attended my case and later I spoke with the Deparment of Fraud below to Chase Bank and I obtained new information, on XX/XX/XXXX at XXXX XXXX they received a call from a XXXX to request an increase in the ceiling of my debit card terminated at XXXX to XXXX dollars to request the transactions that they needed, a supervisor asked him some personal questions that they answered and everything wes fine.My point is first that number I do not know and second that number is not credited to my account if the Bank had done things right would never have accepted the call because this number was not there in your file and called me to the phone number in your file, also it can easily be verified that it was not me who spoke by comparing the voices, I put all this in a letter I made to the claims department which I sent by fax on XX/XX/XXXX, and on XX/XX/XXXX I received a response with the same letter word by word that they sent me when the first rejection, which makes me think that they did not give the slightest importance, that is, the Bank already took their decision and this is immovable, of course they are not willing to lose those XXXX and prefer that I lose them being totally innocent.I hope thet someone does something correct and the justice will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
on XXXX i sent Transunion a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these XXXX  are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Transunion the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks

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 2021-05-26 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: LA

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX  LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
We booked several flights and a XXXX in XXXX at the start of the coronavirus pandemic. These flights were cancelled by the airline but were not fully refunded. We never requested any other form of cancellation except for our money back. The airlines and the credit card company did nothing to help resolve the issue. The XXXX host never once contacted me at any point. 

Companies involved : Capital One - they did not dispute the credit card transactions XXXX - they refunded only one-way of our round trip tickets and refuse to refund more. I only ever asked for a full refund. Amount remaining that was never refunded : XXXX. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - they refunded the flight, but refuse to refund the cost of a seat assignment. Amount remaining that was never refunded : {$61.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - the host never once contacted me about any changes or lack of changes due to covid. Amount that was never refunded : {$550.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 

For details about dates, amounts, and actions please refer to the attached pdfs which were both sent to Capital One. I am deeply disappointed to see that my transaction dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX or XXXX my husband applied for a XXXX XXXX exclusively branded by JPMC and which included a significant perk if approved by XX/XX/XXXX - companion ticket issued with eligible fares through XX/XX/XXXX. My husband XXXX applied and was declined. see attached. We attempted to investigate the cause and received an explanation that he had exceeded the number of allowable card issued within a 24 month span - no more than 5. His credit standing was better than mine. The attached letter sent to the EO office explains in detail the basis for the complaint -inequitable treatment in the acceptance and decline of a credit card. On XX/XX/XXXX I applied for the credit card and was immediately approved. I sent a letter to the Executive Office of JPMC challenging the explanation previously provided given the same circumstances. JPMC has been unwilling to conduct the investigation into why I was approved and XXXX rejected based on the explanation initially provided - 5 or more credit accounts opened in the past 24 months. In my case it can be demonstrated that I had opened 10 credit card accounts in the past 24 months but yet was approved ; in the case of XXXX, my husband, he was denied for having opened 5 during the 24 month period. 

On XX/XX/XXXX I submitted to the Executive Office of JPMC a request to investigate - request sent via priority mail and delivery confirmed - see attached. 

When no response of any kind was forthcoming by early XXXX, I was told to re-submit via e-mail - which I did on XX/XX/XXXX - see attached e-mail exchanges. The individual assigned basically told me the same information I already knew but did not address the issue of inequitable treatment of similarly situated persons - myself and my husband. As a result of JPMC 's decision not to provide any suitable explanation for the disparate treatment, I am submitting this complaint to the CFPB as it appears that JPMC 's credit decisions, absent additional information, appear to be arbitrary and draw into question inequitable treatment. I was approved immediately despite a lower credit score and having opened in excess of the # of accounts that JPMC communicated by phone would be allowable to permit acceptance. I counted 10 accounts opened within 24 months of making the application for the JPMC branded XXXX card. 

Ms. XXXX never provided any indepth understanding of the level of investigation I was requesting. She merely parroted what had been previously conveyed by phone during the XX/XX/XXXX telephone exchange with the JPMC credit department. No written response was forthcoming which I find curious. A written request should be followed by a written response from the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
on XX/XX/XXXXi sent Vance and Huffman LLC a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these bastards are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Vance and Huffman LLC the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Back in early XXXX XXXX XXXX reach us to refi our fha mortgage and we agreed and started the paperwork. Since that time we have sent several docs, spoke with several different mortgage processor and finally last Friday we received two sets of closing docs, one which appears to have accurate data and the other with a much higher mortgage payment than we we are paying now at a higher interest. We shared this with our processor and closer on Friday and received a email confirming today 's closing. When a notary finally called us back today, we checked to see if the docs were accurate, and course they were not. We have also tried to reach a manager, who know one seems to know to find out why they can not correct the documents ... Why would anyone sign off on a monthly mortgage with higer payments ar a lower interest. In sane. Please help if you can. This has been a complete nightmare.

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 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation
State: NC

Complaint narrative:
I did not know I owed XXXX XXXX XXXX ambulance service. I never got a bill. I discovered it on my insurance site ( XXXX ). I started getting calls from Data Max. I thought Data Max was a scam, never heard of it. Messages just said Debt Collector, not naming debtor. I agreed to make payments of {$50.00} Dollars for 5 months, and I made all payments, total {$250.00}. I have cancelled checks paid by bank. This agreement was made with the debtor. I have cancelled checks, and the actual bill of XXXX I can send you. I want it off my CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I called my Mortgage company for a forebears during corv19 panoramic because financial i was affected. So they put me on a forebears plan and someone from my Mortgage called me XX/XX/2021 and stated it was coming to a end at the end of XXXX. I was told i was going to have 3 options 1. Modify my loan 2. Deferment 3. Refinance my loan. I stated i wanted to pay extra towards my loan to catch it up. So he said i had until yhe end of the month to decide. At the end of the month no one called so i called and was told that i can get 3 extra months so me trusting my Mortgage company because i know they are only trying to help me i thought. So it was getting close to the 3 months i called in XXXX and some one said that the extra 3vmonths didn't go through and i said no one called me. So he said well im going to re-send it through. So i had so much going on i didn't follow up big mistake now i know i received a letter talking aboit foreclosure so i call my mortgage and they said oh i will fix this you have another 3 months they say when something sounds to go to be true most likely it's not. But i through they are for me why would they lie. So i know the payment was coming up so i had no missed calls from them so i called and was told im in foreclosure wow now i cant breathe so i say what about me paying more towards my loan i was told i didn't qualify for that anymore. My forebears end at the end of XXXX and I said no one tried to call me and she said they have notes that try tried but the number wasn't working and i didnt have any more on file and i said thats not true because someone called me in XXXX ON THE SAME NUMBER so now. So now i spoke with so one that said they are going to put in for a Modify my loan but its impossible to get approved. So this is so horrible i cant even trust the people who surpose to be there to help me and she stated that there are other people thats going thru the same thing. She told me to write a statement so thats what im doing because me and others don't deserve this first they play like they for us and next we about to be homeless please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
Attempted to open a binance.us account. After providing them documentation which they said would work, specifically my mortgage information, they asked for more information such as a bank statement. I provided that and heard nothing back for a week. I then submitted a request to close my account as I am concerned about what is happening here. After I submitted that request they sent me back a message saying my account has been setup. I have since then asked in writing 3 times for them to close my account and nothing has happened yet. Customer service is no where to be found.

Company response to consumer: Closed with explanation