vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NC

Complaint narrative:
Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: UT

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I viewed my credit report after being alerted that there were inquiries appearing on my credit report that should not be there and are there without my consent and they need to be removed from my credit report. I contacted the companies to get an understanding of whats going on the reps at each company basically told me that I don't have an account with them ( which I already knew that ) and that I need to take this issue up with the Transunion, but every time I call I feel like I get the run around and no one even cares and thats not right. I called three times and all three of the reps were nasty to me and very rude for no reason. Its not right.

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 2022-03-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2022-03-06 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: LEXISNEXIS
State: UT

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I got a call from a man who, after confirming my name and address, said a " case '' had been filed against and that I was going to " be 'served ' with legal papers '' the following day. He gave a case number ( XXXX ) and number to call. XXXX called the number, and my identity was linked to my phone number, and was told I had a legal matter and would be served with papers concerning a debt. They pressed the matter and after I informed them I had no debts, was told they wouldn't hold a trial over the phone. I asked if they were debt collectors and they said they were a " mediation '' firm, and I called them debt collectors. I told them they sounded like a scam and were violating the FDCPA and they refused address, identity, corporate filing information and hung up. I called back demanding to know WHO they were, they kept hanging up. They had identified as XXXX XXXX and XXXX. I called back after waiting a few days and a woman told me they were in XXXX, Florida at XXXX XXXX XXXX, no XXXX XXXX. Upon checking with they property owner, the multiple suite complex had no such Tennant. Secretary of State Florida had no such business registered either. They provided an email of XXXX. checking email is valid but info on, biz site for ownership shows listed domain, but ownership details redacted for privacy. A subpoena or agency could get who they are released. I was also told this was an HSBC debt of over a thousand dollars from XXXX and they would settle the debt for 50 %. 
XXXX XXXX was trying to collect on a fraud listed fifteen year old debt, pretended it was a filed case, and denied trying to collect upon a debt I did not owe. 
Further research uncovers the same scam listed elsewhere by the same people. 
They refuse to discuss the matter, disclose who they are or where they are, or any corporate address or filings with any regulatory agencies. 
I can be reached at XXXX, and can provide enough proof of this to fine or charge them with a crime. The number for " XXXX XXXX '' is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
REAL TIME SITUATION HERE REQUIRES AN IMMEDIATE RESPONSE : SIMPLY! 
THIS CONSUMER OF BANK OF AMERICA SINCE XXXX DESERVES AN HONEST EXPLANATION : TODAY IS XX/XX/XXXX. 
PAYMENT ISN'T DUE UNTIL XX/XX/XXXX. 
WHY HAS BANK OF AMERICA PREMATURELY ADDED {$13.00} TO MY CURRENT BALANCE WHEN THE CYCLE DOESN'T END UNTIL XX/XX/XXXX??? 
HERE IS THE MATH : STATEMENT BALANCE XXXX CURRENT BALANCE XXXX MADE PAYMENT OF XXXX ON XX/XX/XXXX, XXXX 
BALANCE NOW SHOULD BE XXXX, AND NOT XXXX. 
XXXX HAS BEEN ADDED BEFORE THE CYCLE CLOSED : I INTEND TO MAKE ANOTHER PAYMENT BY THE CLOSING DATE, SO PLEASE EXPLAIN THE XXXX.!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-06 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on friday XXXX i deposited my paycheck in the amount of {$3300.00} into my chase checking account. the receipt should that {$500.00} was available right away and the rest would be available saturday XXXX i transfer {$500.00} to my savings account and setup my 2 chase credit cards to be paid on saturday and sunday. extremely early on saturday morning chase woke me up with a text that my account was overdrawn. it appears there auto teller some how messed up and the they reversed my entire deposit. you should note that the bank was open on saturday and they did not reach out to me regarding this. furthermore they canceled one of my autopayments to there Credit card and that account will incur both a late charge and interest due to there error and or issue with processing my deposit. why did they not call me? if the check was destroyed due to a malfunction with there lobby auto teller i could have brought them a new check since i own the company that wrote the check. You should further note that i have other checks pending on this account that i mailed friday as they told me the funds would be fully credited on saturday. once all the payments clear i will still have a postitive balance of over {$1100.00} us dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
To Whom it may concern, Capital One XXXX XXXX XXXX XXXX Capital One is refusing to honor my remittance coupon I mailed in as payment and adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted cfpb in reference to PayPal placing a hold on my funds totaling {$8400.00} and PayPal responded with they have rights in their guidelines to hold my money for up to 180 days its has been more than 180 days since XX/XX/XXXX I still havent received any notice of my money being released I have contacted PayPal on several occasions due to this altercation and they refuse to release my funds which they stated I should have received on or before XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
EVERYTHING WAS GOING SMOOTHLY when I applied for a home loan through AmeriSave. The loan officer XXXX XXXX said that we qualify for X amount of loan and that FHA only looks at one year of income. So, we send our two years of tax returns and every document they asked us ( e.g., three months of bank statement, profit and loss, transaction history, etc. ). He stated that the " underwriters '' have examined our case and approved your loan. So, he sent us the preapproval and told us to shop for a house. 

After multiple attempts, we got lucky, found a house, and made a bid with a large amount of appraisal waiver and X amount of non-refundable earnest money. The seller accepted our offer ( although he had other offers with conventional loans ). We went under contract and started signing several documents. We paid the earnest money right away scheduled an inspection ( out of pocket ) and FHA appraisal. We informed our landlord and paid a fee to cancel the lease agreement, and the landlord started to look for other tenants. We told everyone the good news and started packing. Not to forget to mention that the FHA appraisal report required the deck to be repaired by the seller, and the seller magnanimously agreed to fix it immediately since he was also planning to move in less than two weeks. 

Then came THE PHONE CALL from our loan officer two weeks before the closing date. It was like a collision coming from nowhere. He mentioned that the " underwriters '' are saying that XXXX income is low and needs a co-signer. I was not sure how to respond. He specifically mentioned through a text message that we are only looking at XXXX income, which is why you are qualified for X amount of loan. Now, he is saying that FHA guidelines are to look for two years of income. I have included the text message to show that we were given false information and are not being unfair. Why wait until two weeks prior to closing to tell us that we need a co-signer? How did the FHA guidelines change within two weeks from 1-year income to two-year income? 

My wife and I are devastated. I am not sure who to blame but have decided to blame myself for trusting the loan officer ( XXXX XXXX XXXX and the underwriters ' work and judgment. We feel that AmeriSave has robbed us of our time, energy, and joy. We believe that we have been misled and given false hope and information. We are not the only ones suffering here. The seller and his family, both real estate agents, my family are all under emotional turbulence. Now, we have to beg people to co-sign for us or plead with the landlord to reconsider our lease, or we are homeless. What would you do in this scenario? What did we do wrong?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service
State: WA

Complaint narrative:
To Whom it may concern, MILITARY STAR XXXX XXXX XXXX XXXX MILITARY STAR is refusing to honor my remittance coupon I mailed in as payment and they refuse to adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.

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 2022-03-06 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: MI

Complaint narrative:
I noticed today XX/XX/XXXX that on XX/XX/XXXX Capital One furnished false and misleading information on my credit file showing my Capital One Spark account XXXX and Capital One personal, account XXXX, were both cards are closed with late payments and a balance. 

On XX/XX/XXXX, I sent Capital One in a payment for both accounts, so there should be no reason either account is currently reporting a balance. 

On XX/XX/XXXX, I also sent Capital One CFO a notice for late payments demanding that those late payments be removed off my credit report because it is a violation to report any personal transactions on a consumer report. 
Capital One has been in dishonor for failure to speak and stealing my negotiable instruments and not crediting my accounts. There is no lawful money therefore there is no lawful way to pay any alleged debt. Alleged debt can only be paid through valuable consideration of an instrument which Capital One can not request a specific species of instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XX/XX/XXXX, there was a fraud transaction on my account that I didnt recognize. then also 2 XXXX  transactions that I didnt recognize either. I immediately changed my account information and ordered a new card. The next day they put an XXXX hold on all my accounts and wont let me access any of my money. I called customer service for days and they told me there was a XXXX dispute charge from XXXX  I have no idea about it I dont even have a license to be involved with XXXX. they told me theyd send a cashiers check. I recently called a week later saying I havent received the check and they said they extended the investigation to XXXX and I wont receive my money till the investigation is done. All of this has been absolutely unfair and Im being punished for something I didnt take part in. My direct deposit also went into that account and they wouldnt let me have that either, literally holding onto all my money. Ive called them countless of times and theyve treated me horribly to the point where Im crying. they dont seem to care that I cant pay my bills or help my family, I dont have a dollar to my name for gas or food. I have bills to pay and a XXXX to pay for. this has caused alot of emotional stress for me and my life. they dont care to help they keep repeating that its their policy and hang up on me. I just dont think any of this has been fair. please help.

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 monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 32 instances of such violations appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 30 instances of such violations appearing on my credit report.

Company response to consumer: Closed with explanation