vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells Fargo will not give me my money back for charge that was not made by me and the company already admitted it was not me

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My Chase Sapphire Preferred card had 2 promotional offers for XXXX XXXX that I had tried to take advantage of. One was for 15 % cash back and another for 5 % cash back. I had tried to claim these offers through Chase 's IOS app both times and had problems several times. After the purchase I noticed that they still were not marked as claimed. So I tried to claim it again and it finally worked. Chase then said they would not honor the offer because the offer was claimed after the purchase. I have been through 8+ hours of calls and have talked to 20+ people. Every person has something different they tell me. I have been told twice now that it was taken care of and would be in my account in a few days. Both of those times when I call back they can not find record of me ever calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have made 33 payments. I have had 2 extensions on the loan. I owe the same amount I did when I bought the car as well as have been told I am still late even though I am one month ahead of the actual billed contract and the down payment was not applied at all to the loan. The interest rate is supposed to be 17 % but they have charged a 95 % interest rate so far on the loan by compounding 17 % per month instead of a 17 % apr. They are illegally charging fees as well as threatening with repossession on a loan that is current. This company is violating multiple federal and state laws and being deceitful to a XXXX person as defined by the ADA. Also the contract amount states XXXX XXXX monthly payments. They have been charging XXXX XXXX  monthly every month with is illegal to charge a different amount monthly then the agreed upon amount. As shown in the picture of the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have tried to cancel my accounts via the Cash App website and mobile site. I get an error message each time and the accounts continue to stay active. 

I have emailed multiple times requesting that the accounts be removed. I provide my name, business name, account names, and associated phone numbers but they keep asking me for information that I no longer have which is the debit card number that is linked to the account. 

Each time I respond to them that I no longer have the old debit card info, I get a " stock answer '' response asking me for the same information all over again. Each response is from a different agent name. 

When I call to speak with someone the recording says that they are busy and not taking calls so please us the app. They give me the option to press " 1 '' to have someone call me back but no one ever calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: LA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized & I am insisting that they be deleted from my credit report asap. These items are FRAUDULENT and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX XXXX XXXX - XX/XX/201XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX XXXX, 2021 we have repeatedly requested that Equifax lift a freeze on our credit report so that we can apply for a new credit card. Subsequently we've contacted XXXX to ask that they process our credit card request. XXXX has repeatedly stated that they still can not access our credit report because Equifax has our credit report frozen. 

Whenever calling Equifax they ask questions about loans or accounts we never had or others that are older than 7 years and that we have no records of them. After repeated attempts we have never been able to get through to an agent. They now have repeatedly rejected us from login online. We downloaded forms and mailed them ( received by them last Monday, XXXX XXXX, 2021 ) requesting that they lift the freeze on our credit reports through XXXX XXXX, 2021. 

Since then XXXX still reports that they can not access our credit report because Equifax has failed to lift the freeze as we requested. 

Our ability to manage our finances is locked down because Equifax has been completely unresponsive. At this point we do not believe we have any other recourse than to ask your department ( and/or our XXXX XXXXs office ) to intervene and push Equifax to XXXX responsive to customer 's requests. 

Thank you ahead of time for any assistance you XXXX be able to provide to move Equifax to become responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: VA

Complaint narrative:
What happens to my credit score? Why its too low? Where did you get these accounts I didnt apply for anything! I dont even understand why you put it on my account. I think someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX, XXXX and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: AL

Complaint narrative:
I borrowed {$2000.00} during the XXXX XX/XX/2020, due to financial XXXX I was in XXXX XXXX of needing the loan or my family and myself wouldve been homeless. This Companys interest rate is ridiculous. The interest rate on the loan was 231.47 %. I ended up paying them {$7000.00} for a loan. Thats because I paid it off early. If I had continued to pay them through the end of the loan period. I wouldve paid them a total of {$9800.00} just to borrow {$2000.00}. This is highway robbery to consumers. They shouldnt be allowed to make this type of money off of poor people. Who are struggling trying to make ends meet. Some people dont have a choice or no where else to turn. Theyve taken advantage of hard working citizens. They shouldnt be allowed to operate as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I entered in to a consumer credit transaction with Capital One Auto Finance XX/XX/2021 involving a finance charge along with a down payment of {$3500.00} from my debit card. Pursuant to 15 USC 1605a the finance is charge is the sum of all charges in a consumer credit transaction and DOES NOT include cash.

The option for insurance was not offered to me as well as my right to right of recession they purposely denied me my rights by not providing me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. 

Upon further review of the transaction I reached out to Capital One multiples times via phone ( XX/XX/2021, XX/XX/2021, XXXX XXXX ) to demand my title be returned to me with no lien or any type of security interest and was told by a representative they had not received the perfected title from the dealership in order to provide the form needed to remove them from my lien. But would reach out to the dealership to expedite the process, however the DMV printed off their screen to show me that Capital One was already listed prior to this conversation which is the reason I called. 

They have now began to email me about late payments and attempts to collect on a debt for something I do not owe them as the finance charge is the sum of all charges and was paid in full through the consumer credit transaction. 

I have now sent via certified mail a Validation of Debt, Cease and Desist as well as an Affidavit of Truth, still awaiting response. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I called on XX/XX/XXXX and scheduled a payment for XX/XX/XXXX. The payment disclosure was read to me and confirmed as XX/XX/XXXX. My payment was drafted on XX/XX/XXXX when it wasnt authorized on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a checking account with sun trust bank location in XXXX Georgia, during the period of time that this account was active sun trust bank on a monthly basis took from my account because of overdraft fees in excess of XXXX in one month. during this same period I was charged an overdraft fee and if the overdraft was not paid I would be charged an additional {$72.00} from my account. In one month a deposit was made from the veterans administration in the amount of {$1700.00} and after Sun Trust withdrew and deducted there fees I was only left XXXX at which time the account was closed. During the time this account was in existed which was less than one year, Sun Trust withdrew over {$3500.00} in fees. When I attempted to bring this issue to the branch manager i was always given an explanation that they were entitled to charged my account these fees. A brief discription of these charges were, 1 }, carry a XXXX  balance ; 2 }, having a negative balance, 3 ], not paying overdraft fees within a certain period, 4 ), maintaining fees for an open account. these are some of explanation however its not limited to those listed above. 
As mention above the straw that broke the camel back was when my compensation payment from the veterans administration was received and i received less than 50 %,

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 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
XXXX is rude and disrespectful. I ask for a balance statement every time I pay for my own records. He always gives an excuse or lie and says he sent it. Today his lie was Texas doesnt allow him to send mail. Then proceeded to overtalk me as usual and then said Why does she always need a letter? I told him not to call me anymore. This is harassment. Then XXXX XXXX XXXX was trying to say i lie and i have been reading that is what he does to everyone

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should 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 breach and XXXX have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? 
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I have this car company on my vehicle that i'm not aware of my identity was stolen early part of this year and has been being used. i recently learned how to lock my credit i have no knowledge of this account, i didn't even have my driver license at that time!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Hello CFPB, I'm at a loss & don't know where to turn to at this point. Let me start with an overview, then I'll dive into my personal experience. 

XXXX XXXX is holding thousands of customers money XXXX in orders that can not be cancelled and marking the funds as " XXXX '' due to these orders. 

This all started 2 days ago when they found an incident that was causing orders to not be cleared. See their status page for details ( https : XXXX ). As soon as the issue was resolved, I put in a limit order to purchase {$3000.00} worth of $ XXXX. I noticed the order wasn't going to be fulfilled as the price was quickly moving up, so I attempted to cancel the order & place a new one. As soon as I attempted to cancel the order it appeared it had worked, but I didn't have my funds to place a new order. After refreshing the application I could see the order was still sitting on their books & my funds were still on hold, but again, my funds are locked " on-hold '' ( https : XXXX ) and can not be used for any new orders or even to withdraw. Here you can see the order is still sitting on their books ( https : XXXX ), but you can't cancel it. If you try to this is the error that gets thrown ( https : XXXX  ). Here is a video of attempting to cancel it, but it doesn't work ( https : XXXX ). Here is what it looks like on their mobile app ( https : XXXX  ). I've contacted them via email & XXXX, but there is still no resolution & my funds are not being released. 

I appreciate your time & effort looking into this matter & hope we can restore thousands of their customers money in a timely fashion. 

XXXX regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
super rude, they charge me 5 times the payment that I had to pay and dont want to give me my money back, they told me that its my fault and they cant do anything about it. 

XXXX XXXX XXXX told me to go XXXX  my self and then hung up

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation