vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX and XX/XX/2020 i took my truck for repair. the truck was towed in. it came with instructions please replace wiring harness and wires as they had been cut. XXXX manager says bring it in we will look at it. ok he riiggeded it up got it running because my girlfriend drove it home. then the truck stopped. I never knew what was wrong because no one could tell me. i take it to XXXX XXXX so they could tell me and they said wire harness and wires are cut. well that is the same reason i took it to XXXX XXXX wiring harness and XXXX tells me this part has been discontinued. so i called XXXX XXXX and they said parts have been discontinued. instead of the mechanic telling me he could not get a wire harness or parts to come get the car. he rigged it and before i left i had told him if you removed any parts i want you to keep them for me. he did not leave parts. instead he rigged the truck and claims to do all this work included repairing a wire harness. i could had lost my life because of a faulty wire harness and it is against the law to tamper with a wire harness. 

once i found out they never fixed the truck with a wiring harness..i called chase if was over their threshold of 60 days. and chase refused to return me back my money. i told chase i was disputing these unauthorized charges they could not fix the truck, added saying it was beyond the return time on chargebacks. i sent them all documentations they requested and said they were sorry and felt sorry for me. i am a member of chase for over 15 years. and my truck still does not run. it is at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We attempted to purchase a dog. However the dog was never recd chase informed us since we used XXXX they could not file a claim. We used online banking with them to pay for the dog. 

I have 3 transactions with email and letters with proof of the purchase. 

I am asking for funds to be return XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX I have proof of requests they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
On XX/XX/2021 I sent certified letters to XXXX, TransUnion and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since XXXX, TransUnion and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by XXXX, TransUnion and XXXX and unable to fairly obtain housing, credit, loans or employment.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Overpayment on mortgage loan payoff to Ameris Bank on XX/XX/XXXX by {$410.00}. Payoff was wired to Ameris. Overpayment was put into an escrow account. The Loan that was paid off never had an escrow account. So, I am not sure why the funds were placed there. I was also charged {$10.00} to record a satisfaction in XXXX County. I was told that the overpayment would be paid by check in 15 days. This is unacceptable! Not sure if they do this for all overpayments of payoffs. If they do, they can play with a lot of float time that they profit from, including when they finally mail the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
In XX/XX/2021, HSBC advertised a {$450.00} welcome bonus for checking accounts opened. Terms were {$5000.00} direct deposited in first 3 months after account opened. The ads have since been changed to say " {$5000.00} per month '', and they are not honoring the bonus. 

I have contacted the company twice regarding this and they are pointing me to the NEW ads ( that say {$5000.00} monthly deposited ) which have been changed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: UT

Complaint narrative:
I have 3 fraudulent inquiries on my Transunion credit report that do not exist on the other credit reporters like XXXX and XXXX. These include : XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 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 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Its been over 3 month Ive been requesting paperwork so I can come off the forbearance plan I did not receive anything so far and everything I call the always keep putting me on hold for 2-3hours

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I was once a fraud victim of identity theft and notified the credit bureaus about the fraud. The bureaus worked with me to solve all problems. I recently changed my phone number. My old number was XXXX an my new number is XXXX. I reached out to bloomingdales credit card company to change my number on file with them. They told me it needed to be changed with the credit buraus too. I sent the credit bureaus certified letters about 3 months ago letting them know I had a new updated phone number. Everytime I attempt to place a order or even add a authorized user to my account with bloomingdales they always say they will place a call to my old number ( that I don't have anymore ) to verify its me. I have tried NUMEROUS of times to get my phone number changed on file with them and they wont do it. I called the Credit Bureaus and the REASSURED me that the new number was reflecting. I would like to be able to use my Bloomingdales card however they wont allow me due to me having a new phone number. I would like to solve this issue as soon as possible. I have had this card about 5 years or longer. When I call they will place me on hold and sometimes even hang up on me. Bloomingdales should pull my credit record and it will show I have updated my number with the bureaus. Instead they tell me the bureaus need to contact them which makes no sense at all. I would like to keep my card and be able to actually use it in store and make purchases online. They also once had me to set up a telephone password and they still wont ' allow me to change my number .Thank 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 explanation
Consumer complaint received 2021-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps letting this collection account from XXXXXXXX XXXX  appear and reappear on my credit report even after submitting fraud documents time after time. This collection needs to be removed as it is fraudulent.

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 2021-10-20 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: TX

Complaint narrative:
I disputed several items with TransUnion by certified mail 60+ days ago and did not get a response. I am therefore disputing the following items through here, if this is not resolved with TransUnion, I will file claims in small claims court for each item I am disputing as they are a result of identity theft : Credit Items being disputed : XXXX XXXX ( all 3 accounts ), XXXX XXXX, XXXX XXXX, XXXX XXXX. 

I am also disputing the following inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize any of these companies to run my credit and they are a result of identity thef.t

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 2021-10-20 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
I got at least 2 personal loans with Discover Personal Loans. I paid them off in record time. When I applied for a loan this time they kept making me submit more documents, Which I did when I called they said every thing was fine call back in a week. Then when I called back said they were unable verify credit application information. I have a Discover XXXX XXXX. This a case of sex, age and race discrimination. These people sent the loan application and when they found out who I was they canceled me out. I am a XXXX  for the State of Michigan and I see work on these type of cases all time this behavior needs to be exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One refuses to authenticate me to handle matters pertaining to my account. 

Generally, my only available method to contact Capital One is using a mobile telephone. I do not use smart phone " apps ''. When I call Capital One, they refuse to speak to me without sending a text message to my mobile phone. However, I can not receive text messages while I am on the line with the representative. Capital One only offers to send a two-factor authentication code by SMS " text message '' and not e-mail. Therefore, I have no way to authenticate in real-time when I'm on the line with the Capital One representative. 

On multiple occasions, I've been transferred to another department to " authenticate me ''. When I am connected to this department, Capital One representatives ask many detailed questions about me, which I answer, and then they tell me that they need me to take photos of a government issued photo ID. I take the pictures, and they email me a link to upload those pictures, but the link does not allow me to upload the pictures from my web browser. It requires me to use a smartphone app. As I said, I do not use smart phone apps. 

Please tell me how you allow a company to operate when they refuse to talk to their customers. In the agreement I signed, it was not made clear that I would need to use a smart phone app to send photos of my government ID every time I would try to make a call to communicate with the company. 

My most recent call was XX/XX/XXXX and lasted 36 minutes. After 36 minutes, the agent stopped responding to my questions on how to send the photos of my government ID. The purpose of my call was to have Capital One change the delivery address for the debit card for an account I had just opened. From the web site, I could see that they are planning to send the card to the wrong address. You would think this is something they would want to resolve. 

Furthermore, I often attempt to access the Capital One web site from my office, located in an office building where I do not have cell phone reception. The requirement to receive a two-factor authentication code by only by text message and by no other means is simply unacceptable, because I can not access my account at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As described in the attached text document, the basis for my complaint is the conflict of interest inherent in Equifax permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information Equifax has permitted to be placed there to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? Yes or No XXXX  did hot have a loan forgiveness program from XX/XX/XXXX to XX/XX/XXXX and I was never billed. ( See attachment. ) I was placed in deferment until the program could accept payments. 

Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? 

Thank you for your time and cooperation. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MO

Complaint narrative:
Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. 

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. 

Please be on the look out for mail with full list of offenses documented throughout the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My father passed away on XX/XX/XXXX. I was left his house and have had a new deed drawn up in my name. The loan was transferred from XXXX to Specialized Loan Servicing on XX/XX/XXXX. Once SLS took over the loan, the name XXXX XXXX started appearing on his loan statements. I have been calling since the beginning of XXXX to have her name removed from the account. Her name was not on the loan or on the deed when it came over to SLS and I have confirmed that with reps who have looked at the documents they have. I have sent in a copy of the new deed with my name, Death Certificate and letter of administration. Every time I call, no body can help me. I get told a ticket has been submitted and someone will call me back. I have not once received a call back. I ask to speak to a supervisor and they tell me they can't transfer me but can schedule a call back. No one calls me back. There are never any changes or updates on the issue when I call. I make the payment every month and am current on the mortgage. They are unwilling to help me fix their error and I'm not able to refinance the loan in my name until they remove this other person 's name from the account. I am beyond frustrated and this has been the absolute worst part of dealing with my dad 's estate.

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 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Michigan Numbers calling from XXXX XXXX I have gotten repeated calls from this auto loan creditor, the calls I ignore and they will call from a different number sometimes within an hour early morning hours, late in the evening, all weekend. I blocked the numbers they just will call from a different number. 

The car was voluntary repossession back in XXXX they came and got the car, sold it, and still reporting missed payments on my credit report and not the correct amount owed. 

It is harrassing and inconvenient, they leave voice messages. 

I am attaching my call history with those numbers some I don't know because if it is blocked or or my phone service recognized the vendor it show up as a scam call that don't show me a phone number. 

Thanks

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB complaint reasons : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation