vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I purchased the Vehicle a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$36000.00} and {$420.00} for the title work. Ever since I purchased I left all the pertaining information and paperwork in their hand to finalized the transaction and get my tittle for the vehicle. To this date XX/XX/XXXX I have not receive any kind of information from the dealership about the tittle being issued at all. I have contacted the seller and the tittle work person and so far no response in the whereabouts of my tittle. But they got the money back in XX/XX/XXXX. I want either all my money back plus the interest that I had paid so far to the USAA bank and the fees I pay them to do the tittle services which they failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I traded my purchase loan vehicle into XXXX XXXX  XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX  XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!

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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
While reviewing my credit profile I found a paid collection from this company. I have never heard from this company and have not had any communications with this company. I was not given any information regarding this debt. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had an apartment lease contract with XXXX XXXX  My contract was for XXXX and ended at XXXX the XXXX day of XX/XX/2020. Lease terms were After that, the lease will automatically renew month- to- month unless either party give at least 60 days ' written notice of termination or intent to move out. I gave my 60 days ' written notice and I was still charge the following month along with late charges. This was sent to collection and it is affecting my credit. Please help me get this resolve.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A Venmo account was opened without my authorization on XX/XX/21 at a time when my phone and purse were not in my possession, as I was at the salon getting my hair done. 
Several payments were made by the person that I suspect fraudulently opened the account, and she paid herself. 
I filed disputes with my credit card company and Venmo starts contacting me and trying to open disputes. When I talked to Venmo they opened the disputes in a completely different name than mine. I called them and Venmo keeps trying to engage in discussion about disputes, sending my identification to them when I did not even open the account. Im not sending my identification or social security number to a company that I never did business with, that already allowed fraud to happen to me. They could use my id to commit more fraud. 
All I have to do is to dispute with my bank, which Ive done. And I won. However Venmo wont shut down the account opened fraudulently unless I send them my identifying information and I go through their dispute process for specific transactions on an account I did not open. 
Nor will Venmo go after XXXX XXXX, the person the payments were allegedly made to. I dont want to or have to deal with Venmo but they refuse to shut down the account unless I comply with them and send them sensitive personal information that can subject me to more fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: MS

Complaint narrative:
This dispute is for the cleanliness of the house. I have contacted XXXX and Capital One. XXXX provided Capital one paperwork showing their cancellation policies timeline, which had nothing to do with the complaint. The complaint was that the house had not been properly cleaned. Furthermore, there wasn't a way to tell that the house wasn't not cleaned properly unless we went to actually see he house, so the cancellation document for the reservation before arriving is not relevant. I am attaching the document provided with the cleaning fee that must be paid before the booking to anyone that rents the property meaning the previous rents paid and what XXXX put on their website and what the owner has on their breakdown about cleanliness of their property. The pictures provided was taken the day we arrived. 

XXXX cleanliness is found on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX 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 non-monetary relief
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCES, COERCION OR FORCE FROM ANT THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2022-01-04 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: FL

Complaint narrative:
Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You 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 2022-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from monkey saying that they were calling about a loan someone open in my name the account was open in XXXX of XXXX under a bank account that I no longer has access too and a job I haven't worked at since XX/XX/XXXX there saying I owe XXXX which I have no clue of the money and that they is going to file a legal suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AZ

Complaint narrative:
Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for 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 non-monetary relief
Consumer complaint received 2022-01-04 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX 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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit report shows in my public records a bankruptcy chapter XXXX discharged date filed XXXX and a bankruptcy chapter XXXX petition filed date filed XXXX. I call Experian customer services but get no one the IVR just skip through questions and hang up. I emailed customer services also they emailed me back saying call customer services.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX - I had transferred {$1.00} via XXXX from my XXXX  XXXX XXXX account to my younger brother 's Chase account as a trial transfer. He confirmed he had received that amount. Therefore I went ahead and transferred {$1000.00} on the same day. He did confirm he had got the transfer and went to an auto repair shop to use it. 

XX/XX/XXXX - My brother contacted me that his Chase account was blocked. I am not sure of the reason, but he had came back to the states after 2 years of internship. The sudden activity may have been a red flag possibly. He found out that his account was permanently closed when he contacted Chase. He then reached out to Chase to re-open his account and was informed that they can not do that. Instead Chase said they can open a new account with them. 

XX/XX/XXXX - Chase had opened a new account for my brother. His spending in his previous account on XX/XX/XXXX and after had been reflected on his new account. However, the XXXX transfer of {$1.00} and {$1000.00} did not show on his new account. When he had contacted Chase, they had told him the transfer has bounced back to my XXXX  XXXX XXXX account. They said that this should show in few days. 

XX/XX/XXXX - I had still not received the transfer back. When my brother contacted Chase, they had told him that I should contact XXXX  XXXX XXXX to file a claim. Therefore I opened a claim with Bank XXXX XXXX. 

XX/XX/XXXX- I had got a denial of my claim. I contacted XXXX  XXXX XXXX that neither I or my brother had received this money and to re-open this claim. Every time my brother contacted Chase, they told him I should reach out to XXXX  XXXX XXXX. They mailed him his previous account statement as proof to send to XXXX  XXXX XXXX. 

XXXX and XX/XX/XXXX - I had made multiple phone calls almost every week with XXXX  XXXX XXXX. I had gotten several denials of re-opening this claim. 

XX/XX/XXXX - I had spoken to a XXXX  XXXX XXXX representative and she had told me to email any documentations that may help so they can reconsider this claim. 

XX/XX/XXXX - Again called XXXX  XXXX XXXX to see if they had re-opened my claim but they said no. I asked what I can do to get my money back they said they are not sure. 

I can provide my bank account statements, my brother 's current bank account statements, and previous bank account statements as proof to show none of us got the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on 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