vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: TN

Complaint narrative:
YOUR COMPLAINT I received pre-approved letter for auto financing from Carvana. Carvana is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. My income pay stub and XXXX is not a factor is this XXXX XXXX XXXX. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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:
I have this account that is not mine and i want it to be removed from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18 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: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Financial Data Systems
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for menards capital one card in store XX/XX/21. XXXX XXXX XXXX XXXX, XXXX IL XXXX. I purchased {$4800.00} in appliances. I was told that i would receive the card in the mail. I never received the card. the menards customer service agent incorrectly input my address. i never received the card and the statements. i have always paid by bills on time and never had any lates. i was notified a few months later that i was delinquent on my account and I paid my balance in full. I disputed directly with capital one and they said they will not removed lates. I was also charged {$370.00} in lates and fees. I am trying to buy a home. I have never had any lates before and now my credit is badly damaged. I believe this is not a fair representation of my credit profile. I believe that capital one should remove the lates and should consider my payment in full as evidence of my good will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
With Regards to Loan # XXXX On approx XX/XX/2021, XXXX from Freedom Mortgage called me asking if I would be interested in refinancing my existing mortgage. Freedom mortgage has been reaching out to me for at least 6 months at this point to reduce my current APR so I finally caved and started a refi application. My credit score came back around XXXX however, I was told by XXXX that my APR would only go down from 2.875 to 2.41 which would only reduce my monthly payment by $ XXXX/month. She stated she would get with her management team to get a pricing exception and would get the rate reduced to 2.25. I thought this was fantastic and waited for her to get the necessary approval. I waited a day or two and never heard back and finally reached out to her and was told the request is still pending management approval. Then, on XX/XX/XXXX, I receive a letter in the mail saying my loan application has been withdrawn and cancelled. THIS WAS DONE WITHOUT MY CONSENT/APPROVAL and I have no idea why Freedom Mortgage decided to make this decision on my behalf without even getting my acknowledgement and approval. I called back again and was told management denied my pricing exception request. Mind you, it was not me that reached out to Freedom but Freedom mortgage reached out to me to get this rate reduction. However, now, I am left with a credit inquiry on my credit for no reason. If my rate reduction was only from 2.875 to 2.41 then, why wasnt their representative diligent enough to determine this would have been a huge waste of everyone 's time? Instead, I am left with an inquiry on my credit for no reason. Not just that but this no good inquiry will impact future applications. I am demanding they right this wrong by giving me the 2.25 % APR their representative had promised me. Again, I didnt want to do this, it was their representative that started this whole mess and then left me high and dry. This is unacceptable behavior and an unethical way to treat a prime customer as myself.

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 2021-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I work in a covid unit. PEOPLE ARE DYING. Pandemic is spreading Navient robo-calls are constant on my office phone. XXXX XXXX numbers are : XXXX XXXX XXXX XXXX, XXXX XXXX ( who is on the recording ) does not exist. 
I don't have time for this XXXX. Calls must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX, XXXX Ga XXXX.This house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this loan with XXXX, XXXX. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case .Spouses BRC XXXX US FED BRC XXXX  DISTRICT OF GA. XXXX XXXX  , ACCT NUMB XXXX XXXX FOR YEARS XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: International Computer Systems, Inc.
State: CO

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with but i agreed to pay it and not fight it only because they agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AL

Complaint narrative:
I ordered vitamin supplement from a company called XXXX XXXX account XXXX. 
This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. 
Appears everyone was covered but the consumer here!!!

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 2021-08-18 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: PA

Complaint narrative:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2021, I logged into my Synchrony Bank Home credit card account. I opened this card to finance new beds, and at the time I had excellent credit. I received a promotional offer, wherein I do not have to pay interest if paid within 5 years. I have made the last 12 payments on time, and above the minimum required, in order to pay it off within the promotional time frame. My issue is that when logging in today, I notice that for the SECOND time in less than 12 months, the bank has reduced my available credit limit. Normally, I wouldn't care, because this card is specific to one store, and I won't be using it again once I pay it off. My complaint is that while I'm paying it off according to the terms, they are reducing the credit limit, which hurts my credit score. I have been financially impacted by COVID-19, so my overall credit has taken a hit along with millions of others. Why do they think it's ok to reduce my credit limit, when I have not demonstrated negative behavior with their credit line? I understood the first time they did this. They sent a letter to notify me, and I wasn't pleased, but I understood that my overall credit health can have a negative affect on current open credit lines. Now a few months later they are doing it again. I get no benefit from paying this off if they constantly shift the available credit line, since it makes it look like I've maxed out this line of credit. I'm in a lose lose situation, and it isn't right that this is allowed. The company said that there is nothing they can do, and will continue to assess my credit account every 3-6 months and reduce my limit as they see fit. These actions contribute to holding me back from building my credit back up from a set back in the first place. After my call in to them, they made it clear that the only thing they look at is my credit score, not my history of on time or early payments with them. Even though I have a perfect history with THEM, I'm being penalized for other areas out of my control, after the fact and without much notice. This last credit decrease occurred on XX/XX/2021, the same day they say they mailed out the notice. I still have not received any notice of credit limit decrease, I just happened to log in to my account and see it.

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 2021-08-18 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: AL

Complaint narrative:
On XXXX XX/XX/XXXX, I bought two tickets to the XXXX XXXX XXXX in XXXX, TN and purchased the tickets online through XXXX XXXX XXXX. The tickets were for seats XXXX and XXXX in section Tier Front, row XXXX  and the purchase price was {$270.00}, which was charged to my Chase Freedom card on XXXX XX/XX/XXXX. Because of COVID19, the show was postponed several times and was finally rescheduled for this Sunday, XXXX XX/XX/XXXX. Because we has a trip scheduled for XXXX XXXX, I requested a refund from XXXX XXXX XXXX, which was denied because the show had been rescheduled, and was advised by the company to try to sell tickets via stub hub, which I did, but without success. In the meantime, the trip was canceled, again because of COVID, and I was happy that I would get to go to the show. I contacted Secure Box Office and it assured me the tickets were good, but I contacted the XXXX XXXX XXXX XXXX ( XXXX  ) and called them. XXXX told me that there was no record of me having tickets for the show and that other persons had purchased the seats that I had reserved. XXXX had XXXX XXXX XXXX listed as a scalper and told me that I would likely not have success in contacting them. I have tried to call XXXX XXXX XXXX, but just get a recording. The company is obviously a scam and I have not hope of getting a satisfactory answer from them. Since I did not receive the product that I ordered, I contacted Chase to dispute the charge, knowing of course, that the charge was well over 60 days old. Chase refused to accept the dispute because it was old, but I explained that, because of COVID, I could not have possibly known that the tickets were not valid until now, Indeed, I could have just shown up at the XXXX on XXXX XXXX expecting to have seats and found out then. It was only because I was proactive that now know not to bother to drive to XXXX. It is clear that there was a billing error ( A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction ) on my XX/XX/XXXX statement from Chase, although I could not have possibly known about the error within 60 days ( due to COVID ) of the statement date, as required by law. Is there any recourse at all to get my money back for the purchase?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I am reporting this complaint to the CFPB due to the lack of XXXX/XXXX XXXX to remove this account from my credit bureaus and they are reporting it as derogatory and past due. This account was sold to Midwest recovery systems, XXXX XXXX XXXX. The account was paid off in full and they agreed to remove the account from my credit report. I filed an dispute with XXXX, XXXX, XXXX  and they reported that XXXX/XXXX  says that I still owe on this account and they don't own the account anymore as it was sold to the third party agency. I called XXXX/XXXX  and they stated that they no longer have my information and they are not allowed to send me a letter to remove it from my credit report as stating it was sold to a third party agency. If we can get this removed this will be great. It stressing me out and holding me back from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC
State: FL

Complaint narrative:
I am getting unsolicited phone calls from this company. I have received over 25 phone calls in an hour. I asked them to stop and they keep calling. I am on the FTC DNC list.

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