vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. 

I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. 

Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I stated to TRANSWORLD then that this was Fraud induced/Identification fraud by my Ex-wife or the other listed Third-Party XXXX XXXX? whom I have no knowledge of agreement beyond insurance. ( 3 ) I clearly stated by phone to them ( XXXX ) then that my purpose was to not claim accountability for XXXX XXXX apts. but to only get XXXX XXXX removed from my credit report However in-spite of their knowledge of third party/ possible fraud they have chosen to attach me because I paid a related bill in order to clear my credit. As of XX/XX/XXXX letter they have sought include me in a debt that occurred on 2015, I have contacted original party XXXX management several years ago and informed them of the fraud and circumstances involving on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 paid off 3 Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from 2 previous months. On one of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
I previously notified Experian that I am a victim of identity theft. They're response was that I didn't give authorization, which i did because I checked off the box that asked me. so again ... I give authorization to Experian to look into this claim on my behalf

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account with Suntrust bank. I mobile deposited my pay check. I was initially alerted my funds would be available next day. The next day I was told my account would be on hold for another XXXX  days. They refused to give me any explanation as to why other than they were tipped off that my my check may not clear. I told them if there was an issue with the check I could call the states comptroller officer to clarify it because I work for the state. They refused and gave me no access to any of my money. They also refused to simply stop processing the check so that I could go elsewhere. I verified the check with the Maryland XXXX XXXX XXXX. There is nothing wrong with the check. I now have late fees on bills that I needed to have paid. They even told me they could not give me more information because it is confidential. How can my own information and my own check be confidential to me? I spoke with the the supervisor and still was told that they could not release my money for XXXX  days. They refused to even give me an explanation as to how they came up with the random date of XXXX days away. They literally took my money and wont give it back. It was {$1800.00}. I have bills and a family that depend on my check. Im not sure why a state issued check would be a red flag or how opening an account with them would flag as suspicious. That makes no sense. So Im penalized for opening an account with them? They havent even gave me the initial {$200.00} or so they give people access too while a check clears. They have my entire check on hold!

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 2021-05-14 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I paid a merchant {$990.00} via PayPal Credit on XX/XX/XXXX for a year long series of coaching sessions. On XX/XX/XXXX, the merchant refused to continue providing those services as agreed. I have a written email chain to show this. I disputed the charge witXXXX XXXX XXXX and they have closed my case XXXX WITHOUT even asking me for the supporting documentation. Simply because they say the merchant has a no refund policy. But this is not a refund. This is a refusal to deliver the services I paid for. 

The merchant kept showing up to our sessions unprepared and when I told her the unpreparedness was affecting the effectiveness of the sessions, instead of improving, she chose to discontinue delivering the sessions I had already paid for.

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 2021-05-14 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 paid off XXXX Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from XXXX previous months. On XXXX of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I belive there was some dispute during XXXX divorce that equifax is not forgiving for some reason and they have'nt been given me an explaination for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
XXXX of texas was the closing title company. I signed my loan documents on XX/XX/2021 and still the loan is not closed. XXXX XXXX says they never received payment. XXXX says they sent the money. I am already due for my loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I recently received a XXXX loan and had it deposited into my PayPal account. XXXX PayPal decides as soon as my XXXX draw deposits into my PayPal account PayPal locks my account and is withholding my funds for XXXX  days. This loan has a time limit to be spent unless u will have to repay the loan which I expected to be XXXX percent forgiven. PayPal will give me no explanation as to why my account was closed and why hold my funds. If anyone would take the time and actually look into my account they would see there are no more transaction people would want refunds beings thats why they are holding the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: MI

Complaint narrative:
I refused an offer for overdraft protection From Comerica Bank. I am getting continuous overdraft fees athat i can not afford to be taken away from me, lest i be out on the street because i can not pay my XXXX rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
They ruined my life, I was told Friday XX/XX/XXXX Id be issued provisional credit for the XXXX in dispute claims from unauthorized charges and not only did they tell me I would get my money on Friday the XXXX of XXXX and I have a screenshot to prove it. These jerks actually email me on XXXX the XXXX saying your dispute has been closed and we determined no error has occured and how could that be when XXXX the XXXX they issued me {$50.00} from XXXX of the merchants and there were still more pending transactions from that same merchant they determined only {$50.00} was unauthorized? It makes no sense theres no logic applied and I have been ruined because they led me to believe I was getting my money back and then XXXX  the XXXX they want to act like they actually investigated in that short amount of time and concluded XXXX day before they were supposed to refund me? You better hold these people accountable or I will they XXXX XXXX I feel like XXXX and so should the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. 
I thought this was the day trader willing to give me training and invest my money. 
This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached ). I sent a total of XXXX dollars to the website XXXX XXXX XXXX using the bitcoin wallet address XXXX. I was told I will receive my money back in XXXX hours. I then came to the conclusion he was not the real " 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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACOPIA CAPITAL GROUP
State: AL

Complaint narrative:
Acopia Home Loans is not following the regulations of XXXX XXXX when consumers are applying for home loans. I was flabbergasted when I was told by the loan consultant that my monthly payment documentation for XXXX student loans is not acceptable due to the deferment and was adamant that " the most we can do is assess .5 % '' of the loan balances. I was shocked that this loan company 's Underwriter submitted this information to a consumer -- making up their own rules and ignoring XXXX XXXX guideline. The statute states the loan company " must '' use documentation when the monthly payment is not specified on the credit report. I submitted three pieces of documentation as to the monthly payments of my XXXX student loans. I am amazed at the deliberate tactics of loan consultants/underwriters here in Alabama to assess this 1 % rule for XXXX XXXX Conventional Home Loans when infact the guideline is clear -- '' must '' use documentation. I had one loan consultant assessed this 1 % rule on a small student loan without my knowledge while I could have furnished documentation, but stated that he is not going to change or correct the issue because closing is on XX/XX/2021. Consumers are being cheated out of qualifying for home loans big time in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TN

Complaint narrative:
Someone has access to my personal information and its ruining my credit by applying numerous accounts I don't have knowledge of what or what this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET AND IT BEEN ALMOST 90 DAYS ALREADY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS AND WON'T TOLERATE IT ANY LONGER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY ( XXXX XXXX ) on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ) .Later I received a denial letter stating something different then reason i was told denied.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I described in detail and it was erased. I never requested new credit cards from my ank! They just changed my cards to give me better advantages to used the cards ( from the SAME bank ). Chase is my bank! They kept the same acct numbers, just changed the type of cards I gotl

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CO

Complaint narrative:
Changed open date to look like I opened account last year, which I did not open the account last year. It was opened almost 6 years ago and was getting ready to fall off and now it is effecting my credit majorly. I have requested this be changed repeatedly and no one wants to listen to me or do anything about it. In all actuality its probably months with in the dates to fall off and the collection company changed it right before so it wouldn't fall off.

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 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021 I had sent letters regarding inaccurate and unknown alleged debts ob my credit reports. It has now been over 60 days later and I have not received a response. It is very frustrating as I feel that my concerns regarding this inaccurate information is being ignored. Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days give a reason for immediate removal of those items from my credit report. As stated it has now been over 60 days, and these items should be deleted promptly. I am demanding these accounts be deleted immediately or I will be filing for litigations due to the unresponsiveness and stress I've endured in attempting to resolve these issues. My information was involved in the latest equifax data breach and I fear it may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ALL 3 " CRA '' REPORTING INCORRECT XXXX XXXX XXXX DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ALL 3 " CRA '' REPORTING INCORRECT XXXX XXXX XXXX DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT MY 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