vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I boarded a flight to XXXX, where I was planning on taking vacation until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, a series of authorized in person withdrawals took place at XXXX branches, detailed below : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$1600.00} XXXX XXXX pm EST XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Claim : XXXX Business {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX pm EST Claim : XXXX In each of these cases, Chase was negligent in their fiduciary duty to maintain appropriate security measures in maintaining control of my funds. They failed to properly ascertain the identity of the person making the withdrawals, and improperly mishandled the funds in question. 

I discovered the issue on XX/XX/XXXX while in XXXX, XXXX and immediately reached out to Chase. They were experiencing issues with their phone and call centers and I could not reach them until the day after. Once I was able to reach them they provided me with the XXXX claim IDs listed above. 

On XX/XX/XXXX I was told claim XXXX was originally denied due to signature is too similar. In response, I faxed and mailed over XXXX copies of my signature on various credit cards and other documents, displaying a signature that is clearly different from the fraudulent signatures on the withdrawal slips. 

I received a letter dated XX/XX/XXXX that the claim was now denied because Chase " determined that the item ( s ) being disputed were authorized or [ I ] received benefit from the item ( s ) '', with no corroborating evidence provided or additional reasoning. Chase changed the reason from the original conversation to an entirely different reason purportedly to deny my claim on no factual basis. 

I provided documentation that I was clearly out of the country, and there are no other authorized users on my account. I immediately reported these issues to the bank and they, without my express permission, closed both accounts, causing a series of returned payment fees across a series of mortgage providers and payees, including Chase themselves. To this day, I have yet to receive a refund of the remaining balance of my Chase Business Checking account, despite them having denied the claim. 

Not only did Chase mishandle and fail to control proper access to my funds, they have taken inappropriate action to remedy the situation, denied reimbursement based on false evidence that they refuse to provide, and have failed in their fiduciary responsibilities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
i never signed off on the check and never accepted the loan. this has been done fraudulently.

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 2022-01-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Cfpb ; Equifax, XXXX and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
someone opened a fraudulent credit card in my name in 2020 now have a balance of {$560.00}. THIS WAS DISUTED WITH THE BANK AND TAKEN OFF MY CREDIT REPORT BUT NOW IT WAS RESOLD TO A COLLECTION COMPANY AND IS NOW ON MY CREDIT REPORT. 

NEVER HEARD OF THIS CARD OR BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I received an email from Chrysler Capital ( Tuesday, XX/XX/25 ) that my pre approval for a loan was approved. I was concerned because I didnt apply for a pre approval. I contacted Chrysler Capital by phone and was told a lot of those emails were sent out by mistake and not to worry about my credit report. It was just a mistake and there was nothing to worry about. I had a Chrysler loan years ago, but no current relationship. Very concerned about why they would do this - seems like fraud targeting former customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Cfpb ; XXXX, Transunion and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

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 2022-01-31 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: MA

Complaint narrative:
Dear Cfpb ; XXXX, XXXX and Experian ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

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 explanation
Consumer complaint received 2022-01-31 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 explanation
Consumer complaint received 2022-01-31 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
It has come to my attention that Synchrony Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made Synchrony Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

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 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: eToro USA LLC
State: FL

Complaint narrative:
Last XXXX I made 2 deposits on the eToro USA LLC platform, XX/XX/2021 {$9800.00} and XX/XX/2021 {$9100.00}, which adds up to {$19000.00} to invest in and this company from XXXX XXXX  have blocked my funds claiming that they needed to verify my identity, I have sent them videos, selfies, bank statements of the account where the funds were debited and to this day after 1 month I practically do not get a concrete response from my money, I am desperate, this situation has become frustrating for me, I need help with this problem, I have done everything they have asked me and they do not solve anything, I want my money, I do not want a relationship with eToro USA LLC after what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WNORDSTM/TD with the account number XXXX Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TX

Complaint narrative:
i never signed off on the check and never accepted the loan. this has been done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I purchased an item from XXXX for XXXX on XXXX and was given a tracking number that day, with expected delivery XXXX. the tracking never updated and it appeared that maybe the package had been lost. i disputed the charge with my Apple Goldman Sachs card on XX/XX/12 and today the dispute was resolved in favor of the merchant, stating that I had received the item, even though it's very clear from the tracking that i did not receive the item. i reopened the dispute but am not confident that they will resolve it this time either. 

XXXX is the USPS tracking number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
There is a reported late on XX/XX/2019, I can not find proof in my records ( n=bank statement ) and online with Carrington Mortgage files that there was a late payment for that month. I have called and requested numerous times, the proof of the late payment and I have not recieved proof of that reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
Early Warning LLC process to obtain a copy of the free consumer report is outdated and cumbersome. It can only be requested by mail or fax. The consumer has to fill out a paper form, and a copy of the person 's license, driver, and passport has to be provided in order to get the report. 
If the consumer does not own a printer or scanner, printing the form and making the identification copy it is passed on to the consumer. So it is not free. 
The other three reporting agencies provide the report online, making it convenient and fast. 
By using such arcane practice, Early Warning LLC discourages the consumer from obtaining the free consumer report.

Company response to consumer: Closed with explanation