vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I've purchase an XXXX  XXXX 38 Inch Curved XXXX UltraWide QHD+ ( 3840 x 1600 ) Monitor from XXXX as in " Like New Condition '' from XXXX XXXX on XX/XX/2021 for {$1300.00} ( Order # XXXX ). When I received the merchandise, I opened the box to find out the monitor panel has been cracked across the screen ( with photo proof attached ). The box was packaged well, which leads me to believe someone else broke the monitor screen and returned the package to XXXX XXXX where XXXX miss-stated the condition of the merchandise but still tried to sell the item anyways. Given that the unit was dead on arrival, I've contacted XXXX for an XXXX return Label. Later on XXXX tracking XXXX showed that it has been successfully returned back to XXXX warehouse on XX/XX/2021. About a month later, I've chatted with multiple XXXX reps to inquire about the refund I did not receive. Each rep assured me to wait a couple business days for the refund to show up but it never did. On XX/XX/XXXX, I filed a chargeback dispute with my credit card company Chase, where a temporary credit of {$1300.00} was issued. On XX/XX/XXXX, the dispute resulted in a rebilling of {$1300.00}! I contacted Chase dispute department and submitted XXXX proof of delivery of the return merchandise, but Chase completely disregarded my dispute documents and reported my dispute to the 4 credit bureaus, which impacted my credit history. I kept on reaching back to XXXX for help, but the account specialists said I have an outstanding dispute so they can not refund me the money which doesn't make sense because the dispute resulted in me getting rebilled for a merchandise I returned back! I appealed Chase 's decision on the rebilling, and on XX/XX/XXXX, Chase mailed me a letter stating that my appeal has been denied. At this point I've lost {$1300.00}, and countless hours back and forth with XXXX and Chase trying to get my money back for a merchandise I've successfully returned. At this point I've exhausted all my options working with XXXX and Chase and am writing this complaint hoping it can result in getting my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Purchased a car from XXXX XXXX XXXX XXXX, Ga location, provided my information online also had my dad as a co-signer. Went to the car lot and was informed that i wouldn't be able to use my dad as he was not present at the time. So they told me my limit and had me pick out a car, and sign the paperwork I checked that the loan paperwork had all of the correct information and signed. Months went by and the car never showed up on my credit, call the dealership and informed them of the issue they told me to and i quote " give it some more time ''. Ended up checking my dads credit and the car was on his report, we immediately contacted the car dealer and they kept giving us the run around for over 6 months. We then decided to contact Capitol One Auto finance, they were no help either. Tried to file a police report didn't work police informed me that it was a civil matter. Dealership tricked me into giving them the car and filed it as a repo and had the car resold to wash they're hands of the fraudulent loan. Capitol one has not returned my year worth of payments ( {$7200.00} ) nor my down payment that was my XXXX XXXX  XXXX  that I traded in ( {$2500.00} ). As an American state citizen and a as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Porania, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: OH

Complaint narrative:
Ive been disputing with Equifax and am so concerned about their data breach affecting my personal information. There are inquiries for which have yet to be verified for which Ive been asking for them to be verified. None of them can be verified or has been. FCRA and The Comprehensive Credit Act of 2020 section 401 have stated these should not be on my credit files especially with no contract agreements to substantiate the inquiries. There are 2 XXXX XXXX inquiries from the same month that definitely should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: NY

Complaint narrative:
On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX  however XXXX, XXXX  XXXX and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX of XXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX  XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX  however XXXX, XXXX  XXXX and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX of XXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX  XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.

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 2021-08-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

11. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove th

em form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is
not mine.

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 2021-08-06 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: MN

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 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: GA

Complaint narrative:
I decided to apply for a secured credit card with discover to help my credit score. They accepted my application and took {$500.00} out of my checking acct. i received the card and tried to spend {$25.00} at XXXX, i was denied. I called they told me they blocked my card to verify my information. I asked why didnt they do that before taking my money. But fine. I filled out the irs form they sent me. I received an email a week later saying they couldnt verify my personal information and they closed the acct. what did i do wrong? Why didnt they verify all of my info before taking money to secure my account? Now this is about to show up on my credit report as an inquiry and a closed account by discover. Which is gon na hurt my credit and i did nothing wrong. And i have to wait another month or more for my {$500.00} to be returned. How was my information verified? And how do i prove im me. If all they asked me to do was fill out and irs form and i did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: MS

Complaint narrative:
On Saturday Morning XX/XX/2021, I returned a call from a local number. The entity that answered was Nelson Cruz and Assoc.. Obviously, they are using a call spoofing software program. They alleged I owed an old credit card debt of which I have no memory and even if this were true the statue of limitations has long since expired. I explained that even if the debt is valid I have no income other than Social Security XXXX. The representative then stated they " participate in a Federal program that will allow me to pay {$50.00} per month and then I can have the situation reevaluated in 6 months. '' Prior to my XXXX I was a banker for 20 years and know what is and is not allowed per The Fair Debt Collection Practices Act. I'm pretty confident the statement about a false Federal Government payment program falls in that category unless the Federal Gov't has indeed gotten into the credit card collection business which I highly doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I received a call from Radius Global Solutions and made them aware that I do not owe the alleged debt they were calling about. I then received a demand in the mail stating that they are attempting to collect a debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ) and 15 usc 1692b ( 5 ).

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a walmart capital one card. I was approved. I spent {$50.00} on the card and then capital one blocked the card and asked me to send documents. Which i did. They gave me a hard time saying they couldnt accept the proof of electricity from the electric company or the bill because i had just switched from prepaid to post paid and my bill said disconnection. I explained that was why i sent the proof letter as well. They told me to resend my docs. I did. They sent me a letter saying they couldnt verify me so they closed the account for fraud. Im receiving bills and late fees for an account they closed due to them not believing my identity. Why am i being held responsible? I called and ask why am i responsible if they said the account was opened fraudulently. I was told they didnt have an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I recently paid off my mortgage with Wells Fargo. It was paid in full on XXXX for a total of {$370000.00}. I mainly did this to get a better rate and to leverage my equity and get away form paying Mortgage Protection Insurance. Well on XXXX I was charged a double payment of Mortgage Protection for a total {$480.00}. My typical monthly payment for MPI was {$240.00}. Needless to say I am very disapointed. I called Wells Fargo and they said it was some sort of weird rule that current and next month MPI is paid out when loans are paid off. Do I have a leg to stand on? Seems like a greedy move and it is not protecting any mortgage as it was paid 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 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX I sent a debt validation letter to G.L.A. Collection Compton to validate a debt. Instead they sent me a copy of the billing statement of the alleged debt in the amount of XXXX dollars and XXXX dollars. It is my understandings that this company has failed to validate or verify this debt owed and has continued to report this to the credit bureaus damaging my credit report, which is a clear violation of the FCRA regulations. Please delete this information from my credit files and cease all collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was paying my monthly payments on time and everytime. Today I received a letter from wells fargo that they have lowered my credit limit from {$7000.00} to {$5100.00}. Their decision has brought my account within near the maximum limit. Therefore it will further have a negative effect on my credit score. I deem their decision to be of a discriminative and unfair business practice. I am a XXXX year old XXXX senior citizen. I no longer work but i was trying my best to keep up the payments and keep the account in good standing unitl they decided to take this inhumane action. We have been and still are in the middle of a pandemic and they take advantage of the disadvanged. Wells fargo and so many other companies depend and control our lives solely on information obtained from the credit bureaus. Which most of the time is incorrect and false and not reliable 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 explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
XXXX sold a phone and service representing it was XXXX two years ago. It was not XXXX. Numerous XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and other sources reported on this scam. In fact the XXXX XXXX XXXX XXXX  sold me was a XXXX phone that would not work on XXXX networks. 
I paid a monthly fee to be able to upgrade to new technology with XXXX monthly and was told this would mean I would receive a new phone every year for no additional charges. That also was a lie. This too is well documented on technology sites and magazines. 
I complained to XXXX. Nothing. I eventually terminated my XXXX  service and moved to XXXX that provided XXXX. I purchased another XXXX XXXX XXXX, costing {$1900.00} cash, again. I continued to advise XXXX  I disputed their claim for the price of the fraudulent spec phone. They would not accept a return of the phone. 
I received calls, repeatedly, from Credence Resource Management ( a collection agency ) on behalf of XXXX. I explained the dispute. Eventually, several months ago a supervisor there, XXXX XXXX, asked for a letter explaining my dispute, which I sent him. He then told me the negative report would be removed from my credit report. 
And it was for several months. 
Then it appeared again. When I talked to XXXX XXXX he said it was in error and he was looking into the problem. He subsequently said he was consulting with his " back office '' but that they had not responded to him about what to do. This has been going on for a number of weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On Monday XX/XX/XXXX of 2021, XXXX XXXX NMLS # XXXX a representative of Rocket Mortgage ran my credit report without my expressed consent.

Company response to consumer: Closed with explanation