vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Filed complaint about fraudulent use of debit account and stolen PIN number used to remove all funds from account. After months of waiting and sending documents bank will not accept claim because PIN number was used and no other reason. It was stated on original claim that PIN number had been stolen and used with counterfeit card to access account. The bank did not investigate at all and there is a need to have a independent investigation by non bank personnel as decisions were biased to deny claim regardless of any documentation submitted. Sending to company is useless as there are no repercussions for any decisions. I have been treated as criminal and accused of taking my own money out and submitting false claim to get more money. All I want is my money that was taken from bank without my authorization even though it has cost me much more than that to just deal with Bank of America.

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 2021-11-12 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: NY

Complaint narrative:
This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
We called Chrysler Capital to get the payoff for my wifes 'XX/XX/2019XXXX XXXX. We were told to remit a cashiers ' check from our bank in that amount and have it sent next day certified mail, which we did. The cashiers ' check arrived 2 days later and was credited to our account that night. Two days later we checked again and saw the same thing and that our account was paid in full. 

Three weeks later all credit reporting showed the account was still not paid. Got back online to Chrysler Capital and found that the cashiers check had been credited then removed from our account three days later. No email was sent, no letters received, no calls from Chrysler Capital. We called them and got the runaround that we never made a payment, then the check was made our wrong, then that our bank ( XXXX XXXX XXXX XXXX ) denied the check, which per XXXX XXXX, is not true, as a cashiers ' check is seen as cash. No one from Chrysler Capital contacted our bank, and we verified that the image of the check was correct with routing and account numbers. 

So now, until i can wait out the time until XXXX XXXX considers this a lost check, I am out {$18000.00}. Chrysler 's advice? Send them a personal check in the same amount. This is ridiculous and bordering on the criminal. It doesn't help that Chrysler Capital allows no payoffs more than {$2900.00}. I'm disgusted. And from what I have seen online, they probably should have been investigated before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase sent a email notice of a completed address change, but we did not make an address change request. Per the email, I called the phone number as directed. 

After multiple attempts I was able to speak with a Chase representative but their phone system was nearly unusable. At one point I was on hold for 30 min before the call automatically disconnected. The next time I tried I was connected to an Chase agent at the same time as another, unrelated caller. We both started speaking and she had to share her name and a call back number with me on the line. 

Chase apparently has different phone queues depending if you know your account number. I was only able to speak with a Chase representative once I had looked up my Mortgage account number and used that in phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have called Capital One Auto finance 7 times on XX/XX/XXXX. They can not find any record of the loan financing I got from XXXX XXXX  XXXX ( A brand they operated from approx XXXX to XXXX. ) I need to obtain my car title and the XXXX in XXXX will not provide it to me as the lien from 20+ years ago is still in place. 

The people I spoke to at Capital One Auto Finance will not let me talk to a supervisor or escalation unit as I can not provide my account number. I have provided my SSN and the vehicle VIN, but as they can not find a record they said " there is nothing we can do. '' The car still works. I have a young person who can use it, but in order to transfer title to their name and have them obtain insurance I need my title so we can transfer title. 

I financed a car with XXXX XXXX XXXXXXXX in the year XXXX. I think I paid it off in XXXX. I need a title for the car and can't get it as XXXX XXXX XXXX still shows as lienholder. The company can not find record of my vehicle under my SSN, name or the VIN number. 

Where to we go from here? 

My understanding is that the XXXX in IL ( where I live ) will accept either a lien release letter or : Lien contract stating that the lien has been paid in full. Must be countersigned by an authorized representative of the company. 

Looking forward to hearing from someone who can problem solve this situation vs what I've been told which is " we have no record, so there is nothing that can be done '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility. 

The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Despite the XXXX previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NY

Complaint narrative:
This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EZ Mortgages, Inc
State: ID

Complaint narrative:
During the time in which we were pre-approved for a loan ( the contract was signed on XX/XX/2021 ), and before the end of the loan contingency ( XX/XX/2021 ) ; the mortgage broker was made aware ( by us ) that we had subsequently found that the property ( a two-flat ) could not legally be rented for approximately 1/2 of the year. 

We had completed an application with the broker showing the current ( illegal ) leases provided to us by the sellers as year-round income. We were conditionally approved based on this rental income, but subsequently checked City ordinances and found the leases were not valid. We informed the broker several times that we felt this was materially significant and disqualified us for the loan. The broker told us they could not submit this information to the underwriters/lender and that it could only be discovered through an appraisal, not by the city ordinances. We stated to the broker that the ordinance was determinant on reducing rental income, we asked him to notify the lender/underwriter. He did not. 

The broker never was able to get an appraisal and we could not close on our loan during the determined period and have yet to receive our earnest money ( even though we had a loan contingency ) because the sellers now claim we were not denied a loan. 

We have subsequently found out that we ( through our loan broker ) had an obligation to notify the lender of this change. And that if we failed to disclose material information that altered our status to legitimately obtain a loan, the loan could subsequently be " called. '' We were also informed by the lender that we could not have informed them directly of this material change as the broker was working on our behalf. We have also found out that if this information was given to the underwriters, they would have denied our loan as we would not longer qualify. This denial never came. 

The broker is XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX We have many emails regarding this issue and can submit them if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is listed as having a debt in my name. I am requesting this company send me a full outline of charges made. I believe I am a victim of identity theft. I was sick with XXXX  XXXX XXXX XXXX and was taken advantage of while away receiving treatment. Please help me resolve this matter. Im a single mother with a XXXX XXXX child and the XXXX  of this account lingering over my head is really affecting me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went the Bank of America ATM at the XXXX XXXX XXXX in XXXX, Ca on XX/XX/XXXX. 
I exited my vehicle around XXXX XXXX and proceeded to the ATM with {$2000.00} cash and {$9900.00} in checks. I looked around to make sure it was safe and proceeded to deposit {$2000.00} cash in the ATM. After depositing the money the machine just started to circle round and round then showed a error or failed messaged. I was concerned but then proceeded to now deposit the checks. I completed the check deposits but never saw the {$2000.00} cash credited to my business checking account. So I decided to take a picture of the ATM and phone number to call in about the faulty ATM. I spoke to a rep and told them what had happened and she told me that she had saw the {$2000.00} scanned in but not credited. She stated that it will credit after midnight which it never did. She said not to worry because when they see it scanned in, it will definitely credit to the account. The next day the money never showed in my account and I then called to make a claim. They credited my account {$2000.00} dollars and did a research. They then on XX/XX/XXXX debited the money back out of my account and said no such funds were ever deposited. So now this relationship with BofA is broken since they believe I'm not forth right and would lie after the all account I have with them. My business deposits around XXXX monthly and for me to fabricate this is absurd. On my life I put that money into that ATM and it was never credited to my account. I have explained this to BofA several times through calls and visiting the bank in person. I also filed a police report with the XXXX XXXX department XX/XX/XXXX. I am being put through a lot of mental emotional stress anguish over this theft by Bank of America. Them saying that I'm lying about it that it never happened. I work so hard to make money and I know what it takes to earn it. I'll be seeking legal council soon and I will testify under oath. I will not let a rich bank take hard earned money from my business and tell me to go away. The cameras will tell the whole story of what happened that night. I look forward to my day in court.

Company response to consumer: Closed with monetary relief