vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 3 charges on the same morning from a website called XXXX, an online text book company. I chatted with a service representative from XXXX about the fraudulent charges and they told me to contact my bank. They didn't care if they were contributing to debit card fraud or not. I have made 4 calls to Chase Bank and every time I get someone on the phone they complain that they can't hear me and hang up on me. There is debit card fraud happening and no one is doing their job. No wonder hackers are winning thr battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper Loan Service. My current mortgage was sold to this servicer. They have recently charged thousands of people this past week thousands and thousands of dollars by accident they are claiming. This is incredibly scary for people who live paycheck to paycheck having huge sums of money being deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
There is STILL an account on my XXXX and XXXX reports, for {$1400.00}. Original creditor : XXXX. I did not open this account. If one was it was without my consent/knowledge. Neither company has presented proof of ownership nor debt validation. I have been trying to obtain both for almost a month now. Still nothing. XXXX 's reason for no proof : their " contracts '' are online only and that literally anyone can open an account in anyone 's name. They suggested a police report be filed. This account originates in mid XXXX! I am not responsible for this account, period! I did not open this account and I did not know about it until end of XXXX, XXXX! CCS claims that it's valid because they apparently sent me letters about the account. Again, no proof or copies of those either. I never received them! Either CCS and XXXX, produce the proof of ownership I've requested several times, take it off all of my reports, or I will be forced to seek and take legal action. Its ridiculous that they have produced nothing, yet it's still on my reports, except one. Why was it removed on one but " valid '' on the others. After repeated disputes with XXXX  and XXXX, and complaints filed against both companies with XXXX there has still been zero action take. At this point I feel slightly failed by both credit bureaus. It's not ok that companies with zero proof of debt ownership, admittedly so, can still try to take money from me, and there is nothing being done to help me. I hope this issue can be resolved as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
A payment was made on XX/XX/21 and posted to our account. On XX/XX/21, the payment was reversed without notification nor explanation. The loan servicing was then transferred XX/XX/21. We found out about the reversal when the new servicer had a higher balance and the XXXX payment was overdue. An email was sent to Loancare, the response was to call XXXX. That number does not have an option to speak to a representative. Other numbers of XXXX and XXXX both lead to the same redundant option menu with no choice of speaking to a representative. The fax number of XXXX listed is a message center, not fax. A fax was sent to the XXXX office ( 1 of 2 with a working fax ), the response was Loancare will respond within 30 days of receipt of our letter. The reversal of payment should not have happened and the refund should have been automatic with an explanation. To spend hours trying to get our {$4200.00} back is ridiculous. Their business practices are horrendous. Some customers might not even realize they have been ripped off. Loancare should not be allowed to remain in business.

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 2021-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
There was an executive order XX/XX/2021 to cease collection for student loans. ECMC executed a garnishment of my pay on XX/XX/2021. they also continued the garnishment on XX/XX/2021. ECMC did not notify me of this action at any time prior as required to enable me to make payment arrangements. I will in due course make arrangements when able and will attempt to settle the debt with reasonable terms. I reserve the right to have settlement made in any future forgiveness by the government. My school cancelled my curriculum so I was not able to finish and get a marketable degree. I am requesting a refund from the monies garnished this XX/XX/2021. The fax number to charter payroll is XXXX. XXXX XXXX Department. 


The address to XXXX is XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX. Phone # XXXX. I spoke with XXXX at ECMC. 

MY name is XXXX XXXX XXXX ss # XXXX. # XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX 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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am trying to lookup a transaction or transactions that happened on XX/XX/2012 which was a debit for {$870.00} in my checking account ending in XXXX. However, the bank doesn't show any records beyond 7 years. I spoke to a customer service representative and her supervisor and both claimed that the bank doesn't keep records beyond 7 years which is hard to believe. 

I need that information since I need to claim deposit for my apartment that I was renting and the bank is providing me no way to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: CT

Complaint narrative:
I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CARMAX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CARMAX took cash. The finance charge is supposed to include insurance, but CARMAX made me purchase insurance separately. CARMAX failed to disclose my right of rescission. 15 USC 1635 defines the consumer 's right of rescission. 15 USC 1611 defines the criminal liability for willful and knowingly violating 15 USC 1635. 15USC 1640 defines the civil liability for violating the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: VA

Complaint narrative:
I signed up for the Chase United Airlines XXXX Credit card through XXXX The chase website stated that upon approval, i would receive 75,000 united miles after spending 3000 $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of 5000 $ within the first 3 months. My husband and I are both having the same issue. He opened a case, and escalated it to the appropriate department, provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the 3000 $ spend amount. The website also stated an expiration date of the promotion of a month after the application date. After 4 weeks, he was told that ours offers are still 75,000 points after 5000 $ and there is nothing they can do about it. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information. 

He filed a case with the CFPB last week, and was told by the chase executive team member XXXX ( extension XXXX ) that I would need to file a seperate claim in order to have this investigated. I am therefore filing a claim for the same situation. Feel free to pass this claim along to XXXX in order to same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX there was a robbery and my car was stolen. I have Gap insurance. At the time my car was payment was paid 3 weeks in advance. When my car was found it was totaled. XXXX inspected it XX/XX/XXXX and deemed it a total loss. I sent all the documents in and XXXX cut Bridgecrest a check. Bridgecrest informed me that GAP would kick in once they received the payment from XXXX. The check just reflected on my Bridgecrest account history this week. I am getting messages about payment. I called Bridgecrest to see what was the hold up. I was told that it would take 4-6 weeks for gap to kick in after tomorrow and that I would have to keep paying my payments until they finish the paperwork. I have another vehicle now I can not pay 2 car payments because they are trying to milk more money out of me. They also informed me that they would report to the credit bureau as not being paid. I need for them to do their job and push the gap insurance through because that is what it is for.

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 2021-04-26 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: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 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 2021-04-26 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: GA

Complaint narrative:
I am reaching out to seek the deletion of the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Block, Inc.
State: NV

Complaint narrative:
I'm reached out to cadhapp sinceXX/XX/2020, they have not resolved my situation after they said they will work with my bank & have not resolved anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Today I accessed your site to get all three of my scores, for free. 
Equifax replied with " Onine Delivery Unavailable. '' XXXX XXXX XXXX # XXXX. 

I have to organize a bunch of documents to get my score, by snail mail? WHY? 
This is ANOTHER example of how the system is broken. 

I need the score TODAY to deal with an important refinancing decision. 

Please reply to XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was harassed and falsely accused by XXXX XXXX which led wells fargo to close my account. I opened my account on XX/XX/XXXX when I went to cash my insurance check for hail damage to my roof this banker XXXX XXXX pressured me into opening a checking account with them which I really didn't want, but she wouldn't leave me alone. Then she insulted my son about his facial features and mine also. I regretted not getting up and walking out. I had my account open and it was opened for 1 year. Around XX/XX/XXXX, I couldn't log into my online account. I called the XXXX number & the wells fargo rep said my account was compromised & I had to open a new account. I went to a XXXX XXXX wells faro branch on XXXX XXXX. It took me a week to get my new account open because they kept running me back and fourth, this whole time I didn't run into XXXX XXXX until the very last day on XX/XX/XXXX when I had to finish open it up, there she was at the door greeting people. Then after I sat down talking to my banker a few minutes later 2 XXXX XXXX police officers came in looking around, they were a bit confused because they saw I wasn't bothering XXXX XXXX because she wasn't around when the police got there. The police left a week later XXXX I was trying to purchase something with my wells fargo debit card & it decline. I had no idea what was going on. I called the XXXX number again and complained at this time I had no idea what was going on. The wells fargo employee told me that the business relationship went bad I said how? I just opened it. I received a threatening letter from XXXX XXXX telling me that wells fargo was exericing their right to close my account that I had just opened & I was told not to enter the wells fargo branch especially the one where XXXX XXXX was conventially at. He was very demeaning and hostile in the letter. It was XXXX XXXX who compromised my checking account & disabled my online accuess & she was stalking me having the employees at the XXXX XXXX branch to tell her where I was.

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 2021-04-26 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-04-26 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I received an email from LendingPoint LLC, as shown below. I never applied for this company and I feel this is fraud and I want to report. 

Please let me know if you need any more information. 

XXXX XXXX XXXX " Credit Score Disclosure Exception for loans not secured by residential real property LendingPoint LLC Your Credit Score and the Price You Pay for Credit YOUR CREDIT SCORE Your Credit Score XXXX '' Source : Experian Date :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
My XX/XX/2021 mortgage payment was 2 weeks late and I paid it on XX/XX/2021 together with a late fee and I included XX/XX/2021 payment as well. Axos maintains that it was paid, for some reason put it a separate account and advised me that they would take care of it and mark it paid. Instead, I received a foreclosure notice, and another bill this month showing that the mortgage was not paid. My credit score dropped XXXX points and continues to spiral downward because they refuse to acknowledge the payment. I called repeatedly and am assured I would receive an email by the end of the business day that they notified and corrected the information wrongly sent to the credit agencies to no avail. I have the receipt that payment was made to Axos from my bank on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe that this account was paid off back in 2014. It had been removed from my credit report until a few weeks ago when it suddenly reappeared, claiming i owed over {$600.00}. i went to the webite of the account in order to find out what payments were made and if i actually did owe them this amount but they don't have any information about the account whatsoever. 

At the very least, this account is uncollectable based on the statute of limitations for california. I have emails regarding this account which show that the last activity on this account was late 2014. 

polease have it removed from my credit report immediately!

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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello After reviewing the response from Portfolio Recovery which they said belongs to me. I still haven't receive any documentation bearing my signature. I have not received any documentation with my signature. According to section 609, the company has to produce a copy of the original application with me signature on it. Has of today they have not did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been sending letters to XXXX, XXXX  and TransUnion since XXXX of last year, it seems that they are ignoring my dispute and never send me any physical proof of the negative accounts.

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