vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I trade in my XXXX XXXX at XXXX XXXX on XX/XX/XXXX. They accepted my XXXX XXXX for {$12000.00}, after paying for the balance of my auto loan to my credit union The salesman convinced me to do it giving me leather seats and tinted windows free of charge. Also the monthly payment should be between {$250.00} - {$300.00} per month. The payment went from {$250.00} - {$300.00} to {$420.00} per month. A few days ago I checked the sale contract and I noticed the leather seats were included in the price of the car, {$2600.00}. I went to the dealership today, and they said they dont give gifts to customers. This is a shame!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
JP Morgan Chase required I pay them up front {$500.00} to consider allowing me to refinance my existing loan. The XXXX was not part of any of the closing costs they just demanded my credit card on the phone during Initial conversation. Then they delayed my opportunity to refinance for 7 months claiming paying quarterly property taxes was out of the normal. However I have always paid property taxes that way each of my prior XXXX refinances with chase plus my Initial mortgage with chase during past 13 years. Then over the next 6 months I had 3 loan officers contacting me and demanding I provide financial and employment documents via unsecure unencrypted XXXX accounts. My credit monitoring notified me of a breach. The documents fell victim of cyber security breach because of chase failing to request documents via secured channels. My identity was compromised. I sustained financial losses and damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several in accuracies. Under the FCRA section 623 everything on the credit report must be 100 % accurate, verifiable and complete. I have made several attempts to correct this error but with no avail. First, the balance showing on my credit report for XXXX XXXX XXXX is {$41000.00}, The amount showing as the original loan amount is {$6000.00}. The account also shows it was open XX/XX/2015 but there is a payment showing XXXX XX/XX/2015. There are several missing payments throughout the term of the agreement, based on the information I have giving you is a fact that this information is incorrect and the Credit bureaus and Creditor has stated this information is accurate. This is a clear violation under the FCRA guidelines and Experian has violated my rates by not verifying the information as required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Name : XXXX XXXX Account number : Forgot Bank OF America may look up with my social security number Social Security Number : XXXX Back in XX/XX/2021 someone had my Bank Of America online login info and bank card and deposited two bad checks in my Account. This resulted in my account being closed and going negative. I still owe the bank the remaining negative sixty-two dollars that was already posted on my account when the fraud happened. Now I havent herd back from the bank and dont know if I can open another account with Bank Of America .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I wanted to reach out to you regarding Fed Loan Servicing and their interpretation of the new rules under the XXXX XXXX XXXX XXXX program. I have a very specific question. I have XXXX payments that qualify for forgiveness under XXXX, and XXXX payments that qualify for forgiveness under XXXX. I was informed by Fed Loan Servicing that my payments under XXXX and XXXX can not be combined. In other words, if I want to qualify for forgiveness under XXXX, my payments under XXXX will be wasted because they can not be added to my XXXX payments for forgiveness. So, in short, I dont have XXXX total payments that qualify for forgiveness. I have either XXXX XXXX payments or XXXX XXXX payments, depending on which forgiveness program I choose. 

When President Biden expanded the types of payments that can qualify for forgiveness with XXXX, I can not believe that he intended for payments made under XXXX to simply not count anymore. Is there some way to find out whether Fed Loan Servicing is, as consistent with their history, simply making unreasonable rules to prevent public servants for qualifying for loan forgiveness?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was charged to separate transactions on an American Express card of mine that totaled over {$30000.00}. Upon calling AmericanExpress, they agreed that these were not my spending habits and not to worry about it. Originally they removed the charges. Several weeks later I received a call from someone that worked for American Express. He stated that they have evidence linking the charges to me ( even though I could not imagine how that was possible ) I suffer from severe anxiety and when the man from American Express told me that if I did not retract my statements stating this was fraud then he would be reaching out to the FBI and I would be imprisoned for a long time. At the time I panicked and said okay fine just say they weren't fraud. He stated " I can't do that, you have to call the number on the back of your card and say it was not fraud. I did that. After a couple hours I thought something didn't make sense, when I called American Express they said they would never do that. A week later I called again and they said they can't help me. I requested all " proof '' they have of me spending this money, over a 6 month time period they continued to tell me that the proof was in the mail. It never arrived. I was put in a horrible position and suffered from this. I am not someone that won't pay my debts, I am not a criminal, I am not a crook, if I charged something I will pay it. But someone needs to investigate this, it is not fair. Please Help. Just ask for this " proof '' they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The RADIUS GLOBAL SOLUTION XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


RADIUS GLOBAL SOLUTION XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
I made a transfert of {$500.00} to XXXX since XX/XX/2021 the recipient never receives the money every time I contact xoom they tell me something different they re waiting for a feedback from the receiving bank that never ends eventhough I sent them the recipient bank statement by request they even tells me do not call them they will send me an email that XXXX never happen I do not know how much more I have to wait for a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
My complaint is about convergent outsourcing. On XXXX XX/XX/2022 I placed a call to this company to settle a debt. Once I called them I explain to them what I was looking for they agreed to settle the debt. I ask if they could do a pay to delete a negative mark off of my credit. They told me no however they could settle the debt for a cheaper amount. And update the credit report that this debt was paid in full and had a zero balance. I agreed and paid {$1400.00} on a {$2600.00} debt. I was told in 5 to 7 days I would get an email letter showing that this debt was paid. That never happened. I called back six days later just to re-verify that this was going to happen they assured me that I would get this letter the next day. It never happened I ended up calling this company back maybe five or six times looking for this letter. My last call to them about the letter I refused to hang up until I got the letter in my inbox. Which was successful. Upon reading the letter the letter does not state that the balance was paid in full it just states that I made a payment which was not told to me that thats how that that letter would read. Once I checked my credit they did send an update to the credit bureau but the only update that they sent was the fact that I had pay {$1400.00} and that I still owe the balance of {$1100.00}. This company completely misrepresented what they were going to do for me just to get my money. I called back today which is XX/XX/2022 to inquire about getting this rectified. I was hung up on twice and once I called back I escalated the call all the way up to the manager. The manager got on the phone and try to get me to pay {$1100.00} In order to get the letter to state what I needed. He also went in to explain the different services that they offer when making a payment. And I explain to him that no one ever mentioned anything like what he was mentioning to me on this call. I told him that the clerk that took my payment misrepresented what they were going to do for me. I have all of these calls recorded and willing to share them for proof. If someone can contact me I would love to explain in detail over the phone. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The KIAMOTORS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

KIAMOTORS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The I.C. SYSTEM, INC XXXX, XXXX, XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

I.C. SYSTEM, INC XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The PORTFOLIO RECOV ASSOC XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE & WEINER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE & WEINER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FAIR COLLECTIONS & O XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FAIR COLLECTIONS & O XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


ALLY FINANCIAL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CREDIT COLL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CREDIT COLL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation