vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ADF Automotives LLC
State: MS

Complaint narrative:
Purchased a vehicle in XXXX from ADF Automotives out of XXXX, Ms . Had major problems with the purchase later to find out the vehicle was salvage and this was the reason for the persistant problems. Have all proof and documentation on this behalf as it was left in the vehicle. I took the car to be fixed 5 or more times within a year. They kept my vehicle a full month at one time. I am and was a very loyal customer paying ALL payments on time every time. Never missed one til this day. I paid almost 10K on the car before I traded it in. Had to go through a lot of drama just to get a trade in as they gave me a run around after complaining numerous times even though their contract states you can trade after so many months of service. After letting the company know of further action about to be taken they insisted on fixing the problem and me getting another vehicle. I purchased a new one with the company. The company sold the salvage car a week later. And failed to put the XXXX  to my new account. Basically making me start completely over having no trade in. They also just got away free with XXXX which is a lot of money. I found out this was illegal through proper services explained. Two weeks later I received a clear and free title for my new car purchased. The company failed to put a lien on it from the new agreement and signed the car over completely to me. This then became a problem as I was threatened and told something could be done " By the push of a button ''. I never signed a new contract with them to get the lien and they got one anyways. I then  got a heads up through an attorney that XX/XX/XXXX my name was forged to get the signature if i did not re sign paperwork after the contract was broken. Now I am having ANOTHER problem as I have had the newer vehicle from them for 8 months now. Paying thousands of more dollars to find out that my balance has never went down and is higher than when I originally started the loan. These people are scamming me out of thousands and thousands of dollars. I have almost paid $ 13000- {$15000.00} and have gotten no where. I am looking into legal help as I do not want anyone else to go through this torture it's sickening and they know exactly what their doing. They are a complete rip off. I have all documention from pictures. Payment receipts. And all documentation I need to prove I am indeed being messed over. I have tried to have an understanding with the company and the owners but they do not take it seriously and are doing nothing to fix the problem. The owners wife XXXX re did my account. The husband ignored me. On top of every month being harrassed on behalf of insurance they say I never have and I do faithfully every time. I need someone to look into this company as I have others willing to sign a petition on behalf of being scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/ there was a fraudulent charge on my account for XXXX, then on XX/XX/ another charge for XXXX. They are claiming that since the original charge was more than 60 days they are not responsible for the 2nd. They refunded the 1st charge. Using their own logic, they would not be responsible for the {$1.00}, they reversed that which means it is all covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
I received a notice from an Attorney advising that a property in XXXX, Ma known as XXXX XXXX XXXX was up for a forclosure sale on XX/XX/XXXX I called the Attorney 's office { Harmon Law Offices, XXXX XXXX XXXX, XXXX, Ma XXXX } to inform them that I was not the owner of this property. I do not now, nor have I ever owned real estate anywhere is the USA! The proper owner of this property has the same name as me. I spoke to a woman named XXXX at the office, and she stated that the problem would be corrected, and I would receive no further contact. Yesterday, I again received a notice about this same property from the same Attorney stating that the sale of this property was postponed until XX/XX/XXXX, at XXXX. It also stated that this notice was an attempt to collect a debt, and that any information obtained would be used for that purpose. My wife and I are elderly, XXXX and living solely on Social Security, and do not want to be held responsible for a debt that does not belong to us! We struggle to get by as it is, and have our own housing issues, as we are in danger of losing our apt . due to the owners selling the house. This has just added to the stress we are already under, and we want this cleared up as soon as possible, so we can focus on what we need to do. Thank You for your time, and I truly hope you can help us resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have attempted to contact Experian via phone and online several times over the past several days to dispute fraudulent activity on my credit report and place a security freeze on my report.

Every attempt to place the freeze online will not go through ; every attempt to call results in the line being disconnected by Experian.

I have attempted to process a dispute online on my Experian Membership account, and the " Dispute Can't Be Processed Online '' and provides a phone number. I called AGAIN, only to be told by XXXX, XXXX XXXX   ( XX/XX/2018 XXXX ) that he " could '' not access my report and refused to provide me with any additional information.

I want access to my report, to be able to dispute incorrect or fraudulent information on my report, and to place a security freeze on my report as I have been a victim of identity theft in the past, which is evident by the extended fraud alert currently on my credit report.

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 2018-05-05 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: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: TX

Complaint narrative:
XXXX, XXXX  and Experian are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I applied for an AMEX Starwood Preferred Guest Business Card on XX/XX/XXXX ( credit card number ending in XXXX ). The card had a welcome bonus offer of XXXX SPG points if {$6000.00} was spent on the card within 90 days of account opening and an additional XXXX SPG points if {$10000.00} was spent within 6 months ( for a maximum welcome bonus of XXXX points ). I met the {$6000.00} spend requirement for the first XXXX points inXX/XX/XXXX, but I was never credited the XXXX points I had earned. I contacted AMEX in XX/XX/XXXX inquiring about the points and was advised that I had earned the points and that my account would be credited shortly. I also hit {$10000.00} in spend within the 6 month requirement and I have not been credited for the additional XXXX point bonus either. Actually, none of the XXXX welcome bonus points that I earned by meeting the spend requirements has been credited to my account. I have contacted AMEX repeatedly for more than 5 months and I have been told they still are investigating the matter and as of today they still can not give me an answer. I started saving copies of our online chats afterXX/XX/XXXX which I will attach for your review. I no longer have any confidence that AMEX will ever take care of the problem after more than 5 months trying to resolve it with them directly. Any assistance you can provide will greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 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: TX

Complaint narrative:
Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name.  Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. 

Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which is not my account and shouldn't be on my credit file as i have no knowledge of this account. And XXXX XXXX for {$120.00} Which appears to be for a XXXX account that i do not have and have already previously reported identity theft with XXXX, and also XXXX XXXX, and the FTC. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. I will attach it. 

Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/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 non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened 2 accounts at Citibank. I funded the accounts with checks from a different bank. The next day Citibank initiated ACH transfers from that different bank without my authorization or access information ( account numbers ). They withdrew funds from my other bank without my authorization.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/XXXX JPMorgan Chase ( Chase ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX ). At no time was Chase the owner or assignee of the Note. Chase assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX Chase has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with Chase. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to Chase and also registered with the XXXX Register. There were no timely action or any action taken by Chase to set aside the Rescission. Chase has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have Chase cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent to Chase to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to Chase demanding that they cease making credit reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX I call because I had a issues on my account. The lady fix the problem and then ask me did " I want to pay my bill over the phone '' and I said I will pay it online. so as soon as I got off the phone I went online to pay my credit card bill on bank of america site and it said I owe XXXX dollars so I paid XXXX dollars. My payment was submitted and was approved by the bank. Next thing I know I tried to use the card and I was not able to use it. I called bank of america and ever person of ( BOA ) give me different answers. One said They owe you XXXX dollars I said why can't use my card? Then somebody said you owe them XXXX dollars. I said the system told me XXXX dollars but I paid XXXX. Another time I was not able to pay my bill online because they block me from paying it and I could not pay it over the phone so I had to do a XXXX   report just to get them to fix the problem. Another problem I had with was their online payment site is wrong from time to time. THE SITE said I needed to paid a late in XX/XX/XXXX or XX/XX/XXXX. They told me '' I can't see what you are talk about because we don't have the same system but on my system it showing you don't have a late fee. '' Well my system is showing a late fee. Can you have someone call me from the technical department '' I will ''. No one called me back.

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 2018-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX i received a text message saying a have been approved from a man XXXX XXXX saying he is a rep. from XXXX XXXX  and that i was approved fir XXXX $ and pay XXXX monthly. I was told that i have to pay a security deposit if XXXX in case i couldn't pay one month that security would cover it. XX/XX/XXXX i called him and he told me to go to XXXX and purchase a XXXX XXXX for the amount ofXXXX i had to buy oneXXXX card and a XXXX dollar card. He received the information and then said he was contacting the account department XXXX then later said i said have to pay an additional fee ofXXXX dollars because i was late accepting the loan. I refused to do so so i asked for my money back. He then hung up anger i haven't heard from XXXX XXXX since..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: MI

Complaint narrative:
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX ). My contract with XXXX XXXX was then cancelled. Experian Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Experian to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Experian still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors.

Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to 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 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worldwide Recovery LLC
State: OR

Complaint narrative:
Harassing phone calls told them to send bill do not know what it is for. Will not stop calling at all hours. I have voicemails of threatening legal charges. Threatening arrest. Yelling at me. 
XXXX XXXX And XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
I requested an accommodation/modification of assistance with participating in the dispute process related to a fraudulent transaction. This request was made under ADA Title III. The request has been ignored by Discover in violation of ADA Title III.

Company response to consumer: Closed with explanation