vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an auto loan with JP Morgan Chase ( Chase Auto Finance ). My last payment was made on XX/XX/XXXX in the amount of {$200.00} using a check drawn on my bank account. My payment is usually XXXX, but this was the last payment I owed. I paid the final balance of {$200.00} using the Chase Auto automated system, as I have done for the entire length of my loan, approximately 5 years. I have used the same account information, and it has been stored in their system for the entire duration of my loan XXXX XX/XX/XXXX ). I do not manually enter the information, it is stored in their system. The auto attendant confirms the banking information used on my last transaction, and there is a series of authorizations to process the payment. 

On XX/XX/XXXX I was notified by Chase that my payment had been returned by my bank due to " No account found ''. I asked Chase to provide me the the account information on the returned check since I have had my bank account for over 20 years. They could not provide me the information. I was told that they did not have that information, I would need to contact my bank. 

I contacted my bank. The check had not cleared my account, had not been processed through my account, and there was no return on my account and no return draft fee. My bank 's accounting department researched the transaction amount and was able to locate the transaction. The check was drawn on a bank account that does not exist. Also, the account used was not similar to my account number, and is not the account number that is on file with Chase Auto for me. I do not know how a non-existent account number processed in the Chase Auto system. I did not enter ANY account information on XX/XX/XXXX. I used my " saved '' information, and confirmed my account number. 

Chase Auto stated that I entered the account information wrong. No, I didn't enter the account, I authorized payment from my account number on file. Chase Auto said I must have made an error. No that didn't happen. Chase Auto customer service has refused to assist me, routinely hangs up, and keeps transferring my call.

I want to make sure that this is not reported the credit bureaus. I have never had a 30-day late, and they can't tell me if this will trigger a 30-day late or not. They can not explain why this happened. They charged late fees and interest. They are refusing to help me. 

I feel suspicious about this since this was my last payment, and wonder why it went wrong. How and why did this happen. Was their system hacked? Did the system go down and was my payment manually entered? Did this happen as a way to charge fees and interest since I paid my loan off early? I have no idea, but this is VERY wrong. I can't be the only one. This glitch in their system has to have effected others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA 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 2021-04-18 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony Bank / Sams Club Visa card I made a charge on XX/XX/2021 to XXXX XXXX. I made a purchase for an airline ticket and baggage charge that I did not receive my refund back from the merchant. They maybe in cahoots to delay the refund for the ticket/baggage charges as follows ; $ XXXX ticket fee and {$150.00} for baggage fee. They have refunded the insurance and a meal ticket for {$24.00} + $ XXXX {$40.00}. Im still waiting for the ticket and baggage fees which total {$910.00}. I believe Synchrony bank maybe the culprit of the problem and I thought it was the 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 monetary relief
Consumer complaint received 2021-04-18 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citi Bank credit card company is at it again. Previous complaint filed with CFPB " XXXX '' and they began charging the account with two monthly debits since XX/XX/2021. 

Here 's is the Citi link https : //online.citi.com/US/ag/disputes/disputecenter What is wrong with you people? We do not and have not subscribed to any newspaper. We get our news online. Here is Citi 's own acknowledgement. 

" Case resolved in your favor on XX/XX/2021 Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

PERMANENT CREDIT APPLIED $ {$1000.00} This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Permanent credit applied Case ID XXXX '' Citi credit card issued to XXXX and XXXX XXXX, XXXX XXXX AR XXXX We stopped using Citi card and went to XXXX XXXX card ( see complaint filed with CFPB XXXX which has not been resolved ; payments due on both card 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 2021-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CRECIT MANAGEMENT PUT SOME ONE ELES INFORMATION ON MY CREDIT I HAND NEAVE HAND ANY TYPE OR CREDIT WITH THEMI LOST MY ID LAST YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2021-04-18 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
I lost my job, my home, transportation EVERYTHING due to COVID 19! I just started working again in XXXX of 2020. I did not receive ANYTHING about this collection. I could not get to the gym to work out anymore nor could I afford to so I allowed the account to close due to no employment! I still have yet to collect stimulus funds! I never got my full unemployment benefits! I have struggled for months trying to get my credit up only for it to drop because I LOST EVERYTHING! I had a XXXX in XXXX! Look at it now! Because COVID 19 ruined my life!!!!! Yes I am still alive but I should not have to pay a debt I didnt know about because I couldnt even use the services! Please someone help me!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: NY

Complaint narrative:
experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.

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 2021-04-18 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I file a FTC NUMER # XXXX XXXX XXXX. 
Other reason XXXX XXXX Other reason XXXX XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX, XXXX XXXX XXXX Other reason Submitted XXXX XXXXXXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX, XXXX Other reason Submitted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: WA

Complaint narrative:
Received a letter dated XX/XX/2021 from Allied international credit corp under reference # XXXX stating that i have unpaid ebay balance of {$120.00}, That to call XXXX XXXX at XXXX XXXX XXXX to make payment, However i do not even have an ebay account, have not transacted with XXXX  Here is the full data XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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:
I received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit and according to the FCRA this must be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Long story short : on XX/XX/2021 an unknown person with the email address XXXX used my credit card number for a transaction on XXXX XXXX  for {$100.00}. I informed Citi credit card. It took over four phone cals to cancel my card and get them to file a fraud report. They investigated with XXXX and XXXX claims that I authorized this unknown person to use my card. They also claimed that I own a business, which I emphatically do not. I looked up the website and it originated in XXXX. There is no contact information on the website -- it appears to not be a operating business. The credit card company only showed that someone used my stolen number. They did nothing track down the person who did this and did not in any way show that it was me. I have no previous purchases on my card that suggest that I own a business or make business purchases. The charge is a complete aberration in my account. Usually this is caught by the CC company before the charge even goes through. Without any paperwork or evidence the CC says I authorized an unknown person to make a business purchase on my personal card. I spent hours on the phone trying to get the report filed properly and get my credit card cancelled. Thought they assured me each time that it was taken care of, it wasn't until I talked to a fourth rep. I am also making a report to the police as I am concerned that XXXX is claiming that I own a business. Though I have has this credit card for years, I will be resubmitting the rejection of my fraud complaint and cancelling my card. I have no faith that Citi has adequate security. The let my numerous phone calls fall through the cracks.

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 2021-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We applied for a construction loan in XX/XX/XXXX through BB & T/Truist of XXXX XXXX XXXX. Disposition of the loan was in XX/XX/XXXX. 

During the mortgage application process, BB & T/Truist suggested I comply with their request which would have had me giving them fraudulent information. The issue began with 2 years permanent residence history which I provided. BB & T insisted I was lying and even told me I was lying in email. They insisted on pulling new credit reports within weeks of each other to find this supposed residence which was a vacation rental. I requested several times in several manners and even escalated to a manager an explanation of why they needed to pull our credit twice in the same month. I never received a valid answer. 
The bank insisted I explain an address on my credit report which I did but they wanted to hear none of it. They went as far to tell me I was not in my house in XXXX  up to and through the closing of the sale. I offered to the bank no less than 10 evidentiary documents showing we were residents of and I was present at our house up through the day of close. The bank insisted I explain a vacation rental as a permanent residence which would have been fraud. The address has been subsequently removed from my credit reports but the Bank wanted to hear none of it. The bank threatened to decline our loan application unless we fabricate documentation about an address. Ultimately the loan was declined as I refused to fabricate/falsify information on our loan application. At one point during all of this the bank even asked me to explain why BB & T had an inquiry on my credit. So we are out significant money for the application not to mention the rate changes from lock to now.

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 2021-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I originally filed a complaint on XXXX and have a password but I was locked out of my college XXXX in XXXX and ran into more problems when enrolling at XXXX. Apparently since me and my husband are now separated and there are more issues w that- they need formal documentation of our separation that Texas doesnt have other than a divorce. 
When I was hacked XX/XX/2020 at XXXX XXXX my life unraveled and I lost all recourses in the form of work, school, family, vehicle and funds. I have begun unraveling documents and this is way to big for me and I had asked for legal shields help but was unable to communicate due to my accounts changing with passwords, internet router problems and all phone companies. There is something wrong w my taxes and I havent a clue what since that password changes all the time and getting help rom turbo tax is useless. My credit reports/freeze acts even changed. Anyways my complaint iD is XXXX. 
Please offer suggestions- thank you so much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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:
There is a collection for XXXX XXXX on my credit report. It is fraudulent, I have included the fraud report in my initial dispute however the credit bureau refused to remove the fraudulent collection

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