vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I went into XXXX XXXXXXXX XXXX XXXX XXXX, on XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. I purchased the vehicle while under mental duress, had been hospitalized prior to and was under medication. I worked with XXXX XXXX someone I had thought I could trust. 

The sales process took a very long time, I was given an interest rate around 20 %. I was told my credit would drop and it would hurt my ability to shop around. I was encouraged to omit information about my income to qualify for the loan, I was concerned of consequent and they assured me it was normal. I know I was sold a car loan and they are profiting very much off of my struggle. Im paying XXXX for a car that has had to have its engine replaced. I purchased the car on XX/XX/2017 and have made all payments. Ive called for assistance to cancel the loan and return the car and told that wasnt an option. I also feel this deal was related to my employment with XXXX XXXX, the manager of the dealer ship had done business with the entity I worked for and I had heard from his trainer who actually trained his wife that there was infidelity. Thats information that was privledged and I didnt need to know that I feel influenced someone to work against me instead of with me for help I requested. While That may not be the case, its confusing why I was encouraged to omit info and I also called Chrysler capital to try to get help. My balance is around XXXX, and with the payments set the way they are I will have laid XXXX for 72 months for a car advertised at XXXX. This loan is designed to make the car cost about 2x what I was lead to believe. I was also told the loan was only good for that day like a do it now or lose deal, as they mentioned it would hurt my ability to shop at another dealership for running my credit.

Please help, Im struggling a lot with mental health as well as paying this bill. Weve lost important family due to COVID-19 and I desperately need a way to lower this payment or get rid of the vehicle, I am unfortunately at risk for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I applied for loan quotes online. In inquiring we generated many emails, texts, and phone calls. I chose a lender and notified the other lenders I have selected one. 
Loan Depot has chosen to ignore my requests to cease and desist calls. On XX/XX/XXXX and XXXX, 2021, I received 10 phone calls from them. There were several individuals but all would talk over me and insist they had a better product. One was quite belligerent.

I have received calls at least twice daily since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Remove these accounts XXXX. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

XXXX. Identity Theft SYNCHRONY BANK Account XXXX : XXXX This is not mine. 

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

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

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

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

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

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

XXXX. Identity Theft U S DEPT OF ED/GSL/ATL Account Number : XXXX This is not mine. 

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

XXXX. Identity Theft XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with NATIONWIDE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One closed my account after charging me an annual fee. Given that I had a XXXX balance, I mistakenly believed that my account was in good standing. They reporting me as 120 days late and closed my account. When I logged into the account a month later and realized what happened, I immediately called them and asked to reinstate my account. After their review, they rejected my request, and upon calling them again and speaking to a representative and supervisor, then again refused to work with me in any way. 

At no time did they to contact me to inform me that my account was past due. They insist that they attempted to make contact, but I have no record of any attempts made. This was especially disappointing as I had this account for fifteen years. Ironically, they were able to send marketing emails for additional financial products, but for some reason were unable to communicate the dire state of my account. Again, these actions were taken based not on any charges I had made ( I had a XXXX balance ), but on a fees they had assessed, including 'fees on fees '. 

From my perspective, this is a deplorable way to conduct business and it is striking to me that they would rather abandon a customer of fifteen years rather that take any responsibility whatsoever for their actions, passing off their inability to contacting me by stating that " I must have a problem with my phone. '' This type of behavior can ruin people 's lives and credit, and while is clearly unethical, should also be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: TX

Complaint narrative:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am very unsatisfied by the way that my wire transfer transaction has and is being dealt with Chase Bank, especially having had over 5 working days since a recall has been made to expedite the process, yet none of the customer representatives have been able to provide a single piece of information as to when the funds would be made available. 
The recall case ID # JPM XXXX. 
Transaction Number : XXXX Briefly : I initiated a domestic wire transfer on XXXX XXXX XXXX, which was finalized/processed on XX/XX/XXXX. Having the recipient of the funds informed me of non-receipt of funds by XX/XX/XXXX, he reached out to his bank- the same Chase bank, where he was informed that his secure account would not accept the wire transfer, and I had to request for the funds to be recalled- which I did on the same day ( XX/XX/XXXX ) wherein I was provided the aforementioned recall case ID. 

For the past week, I have tried calling customer services line numerous times, to get hang up in my face, transferred to a dead line and in the end no reasonable response from anyone as to the status of the transaction and expected resolution times. Additionally I have lost my time going to two different branches ( at different occasions ) where I have been provided a simple you have to wait 2 - 5 business days, even after the fact that 5 business days have elapsed. 

Up to the time of filing the complaint, no one is able to provide any information as to where the funds are and when they will be returned to my account. This leaves me at a complete loss of {$2200.00} with no expected time of receipt. As consequence of this delay in making funds available, I am daily incurring additional unplanned expenses for money that I have but the bank is holding ransom with no explanation as to next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Nelnet, Inc.
State: MD

Complaint narrative:
NelNet Lns is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a Citi XXXX XXXX savings account under promotion ID # XXXX and immediately funded the {$10000.00} required for the " Additional Miles '' The promotion read : " As an ongoing bonus, benefit from : 25 % more miles, incrementally earned on Citi AAdvantage card purchases up to {$50000.00} spent per year when you maintain a minimum average balance of {$10000.00}. '' I did the qualifying event - depositing {$10000.00} immediately and have maintained that balance since XX/XX/2020. I have continued to use my AAdvantage card but have not received the 25 % bonus miles on any of my statements. In the App I show as not having qualified, though representatives on the phone agree that I did indeed meet the qualification criteria. I have opened multiple cases with Citibank over the past 12 months. All cases have been unresolved with no action taken to resolve it. 

I have also faxed this information to Citibank and received no response.

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 2021-09-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.

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 2021-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I was contacted today by Citizens Bank. I have never done business with them, they have no business calling me to ask about a relatives contact information. I was called by XXXX at XXXX. Please advise me of the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Paypal Holdings, Inc

Complaint narrative:
I was sent money to my Paypal account on XX/XX/2021, unfortunately I was unable to withdraw it as the money never reflected in my account. Moreso I received an email from Paypal that my account was temporarily limited and was asked to upload my national identity photo a thing which I did. Instead of my account being restored after following all their rules, a message popped in indicating that it has been held for 180 days.. I have tried reaching PayPal support team in vain, they still stick to their decision without considering how they have inconvenienced me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This collection showed up on my credit report. Its for {$600.00}. I do not have any debts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
the loan belongs to my dad

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I spoke with XXXX XXXX at who explained this account for {$150.00} from XXXX belongs to me. I attempted to validate the account with him, but our information did not match. I explained I will need a copy of the signature on file showing I signed for this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express canceled Delta Sky Miles credit card because I complained about being unable to read the account number of the back of the card. XXXX cancelled the card without any notice or any information on rights of appeal on or about XX/XX/2021. 

I called Amex customer service to request a review of this decision but was summarily rejected. The representive who answered my call alleged that I had violated XXXX rules regarding customer abuse, but offered no access to information on the offense such as dates, recordings, reports, or any other substantive information on the process. I was told twice that I could only receive further information on the alleged offense only with a subpoena. 

I told the customer service agent at XXXX that I was XXXX years old when I received the card with the number embossed in light gold on a background of deep purple ( Delta 's colors ) and that I had difficulty reading the card because of age. I also made clear that I had been upset with a Delta representative who implied that I should have been able to read the card even though I wear prescription reading and long-distance glasses. It was a brutal conversation and humiliating experience. 

Moreover, I believe the XXXX decision was both ageist and ableist. I admit that I was quite upset about the decision and made my concerns adamantly clear in my conversations with XXXX. All I asked for by way of a resolution was a card that I could read with a magnifying glass and a high-wattage lamp. The representative added to the injury with a patronizing stance and without mentioning any options for further review and a possible refund of my annual {$550.00} fee. 

That's it. Arbitrary, nasty, ageist, and ableist, yet no route for review or appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-29 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results

Company response to consumer: Closed with explanation