vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was provided a letter on XX/XX/XXXX with an itemized breakdown for a payoff quote on a vehicle purchase of a XXXX XXXX XXXX I have been trying to finalize since XX/XX/XXXX. See CFPB Complaint Number XXXX. This letter from Chase Executive Office with the itemized info : " Below is an itemized breakdown of that payoff quote : Contract Obligation + {$12000.00} Sales tax + {$860.00} XXXX lease payment + {$320.00} Purchase fee + {$50.00} XXXX and XXXX lease payments paid for - {$640.00} Total payoff = {$13000.00} '' I was advised to " Call our End of Term department at XXXX to get an updated payoff quote '' which I did on XX/XX/XXXX. I was given a payoff quote of {$1000.00} with the Total Payoff amount being {$13000.00}. This new total is now {$290.00} more. The {$1000.00} Payoff Quote was supposed to be overnighted. When I hadn't received the payoff quote paperwork yet on XX/XX/XXXX, I called the same department to find a tracking number. On the XXXX, no tracking number had been issued because nothing had been sent out yet. I called back on XX/XX/XXXX allowing for additional time for Chase to send the quote paperwork. When I spoke to Chase, no tracking number had been issued and nothing still has been sent out. I have been transferred from person to person, each representative saying they have limited access and can not assist with the necessary info. One representative said that I could request a new payoff quote but it may be more money. 
Chase is not sending the paperwork. In additional, Chase continues to not allow me to see account activities and statements from XXXX on this account on Chase.com yet they continue to change the amount due. Each time I try to resolve this issue, they fail to send necessary paperwork or change the final amount due while continuing to charge me monthly on the vehicle and apply late fees. On XX/XX/XXXX, the representative said that " no documents were generated on XX/XX/XXXX ''. I had spoke to a representative on XX/XX/XXXX and they said that it takes 2 days. The representative on XX/XX/XXXX said it takes XXXX hours. Nothing is consistent. I finally requested another quote on XX/XX/XXXX. According to today 's Chase representative and after speaking to 5 different representatives, the paperwork will take 24 hours to generate and will be sent out on XX/XX/XXXX and I should receive the paperwork overnight by XX/XX/XXXX. We will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: SD

Complaint narrative:
I've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX 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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 n 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 XXXX 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 three 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 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 Transunion more than 21 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB AUTO ( Chase ) has been reporting me 30 days late for my XX/XX/2022 payment, as well as my payment for XX/XX/2022. This is clearly inaccurate as I have never paid late. 

I have spoken with Chase representatives on the phone and in person, and I have been assured that I was not late and that the issue would be resolved. One such conversation was recorded to confirm this verbal assurance of my good-standing ; however, these erroneous late payments still persist in showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: SC

Complaint narrative:
Someone opened a loan with my SSN and information with a company Ive never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We opened a checking/debit account for my son at Wells Fargo on XX/XX/31. The bank called 2 weeks later that due to a banker error, my son 's SS number was incorrect in the " secondary ID '' portion of the application. I returned to the bank as soon as I could which was a week and a half later as I was told my XXXX year old son needed to be there and he was unavailable any sooner. The day we returned the account was closed ( and I was told he did not need to be present so this could have been handled sooner ) and was told we needed to come back with the SS card ( which we were not previously told ). I returned the next day ( Friday ) with the card ( although his SS was correct in the " SS # '' box and he has other accounts for years at the bank ) and was told the account would be reopened and the card used. The account was still closed on Monday and when I called the branch, the banker told me they can not reopen and there are several more steps to go through so he filed a complaint on my behalf ( which no one told me until I called ). I can not open any new account for him until this is resolved and the branch can't help me and the contact person where this complaint sits has not returned my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The CFPB own report shows that the agencies only solve 2 % of the disputes it receives. and the question is, are the agencies unwilling or incapable of handling these issues? 

Under the fair credit reporting act, my right has been violated. 
I have a right to privacy based on the law and I did not give written permission that any of the mentioned creditors in the case to share any information. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy Equifax had 30 days to investigate my mailed dispute. The dispute was mailed certified on XX/XX/22 and was received on XX/XX/22. I did not receive any response from Equifax. 

I have challenged factual inaccuracies and incomplete information on my file with Equifax. they did not respond in time according to the law. I have included tracks that they received the dispute. I have included the dispute itself. I have included a copy of a credit report to verify the inaccuracies. 

I also understand that Equifax will say that they do not compare their file to other XXXX but that is irrelevant when the consumer provides factual proof of reported inaccuracies. And the Credit reporting agency has an obligation to complete an investigation that is reasonable, that is according to 15 U.S. Code 1681i ( a ) 4 which states that the agency must consider and review all relevant information provided by the consumer. 

INcluded are the Full credit report to show factual inaccuracies, a copy of the original letter sent to Equifax that was received and proved by the attached certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted Fifth Third customer service on Monday and finally was able to reach a representative on Tuesday. I described my dispute situation and she said that she was going to go on hold to file that dispute. On hold, after listening to horrible and glitchy hold sounds, the call ends with no resolution after being on hold XXXX minutes. Ever since I have been trying to reach the company through multiple numbers with XXXX minute wait times until I realize I dont think anyone will answer. Not sure what is happening in the Fifth Third Customer Service section, I just know it isnt much. Honestly considering moving banks, a specially if this issue is never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX Wednesday XX/XX/XXXX, XXXX {$100.00} Dispute # XXXX I did NOT purchase anything from XXXX. Although, I have a transaction on my credit builder card that I did NOT make. I never got an email saying I made a purchase, nor did I receive anything from XXXX  NOR do I have a need to buy anything from them. When you make a purchase from a company, they send a receipt. Well, I don't have one because I did not make this transactions. Chime keeps asking me for proof. How can I have proof of something I DID NOT PURCHASE! a purchase I DID NOT MAKE! 

I have reached out several times for this issue to be fixed and they will not help. They are not doing their job. All they have to do is get their IT professionals and see where the purchase was made. I guarantee it was not made from my computer or phone. This is not the first time this has happened. This bank is horrible with their fraud department, and I will be switching banks as soon as I get my money back. 

There were actually two transactions back-to-back which is an obvious sign of fraud. Luckily, the second one was denied. It happened again yesterday XX/XX/22 a transaction was trying to post but luckily it was denied. 

I just want Chime to do their job, actually investigate, see that it I didn't make this purchase and give me my money back. This has taken up so much of my time and I want it to be over!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My acct XXXX had fraud on the acct via pin/card I kept XXXX  money into the acct as pending charges flew into the acct and I didnt want over draft fees. I contacted bank several times which stated 1hour and 45 min hold times and set up call backs which I never received finally I sat on hold until I got someone as the funds just kept coming out of the acct in several diff state locations The bank has printed three different cards with the same card number one of the cards along with the bank printed off pin they org shipped must have been stolen and used via my local oil company as it was in the glove box or a foster child there where some charges from XXXX XXXX which I told the agent that must be mine since theyre in my area and most of these charges where all over the place. But if it was a foster child or parent of one or the oil company employees they could have just as easily did transactions at the same store I typically shop at I filed a police report and the local police said theyre a not much they can do as the transactions are in several states. The bank called me up and said they will not protect me from the unauthorized charges. I should be protected from any charge that I did not do on my acct. Ive been with the bank for over a decade and Im being treated unfairly and am told to continue to ask the foster kids to own up ( if its even them ) these are gov kids, theyre on survival mode Im not going to traumatize them more then they where before they came into my life. Regardless who stole the funds I did not authorize or use the funds and need and should be protected and Im disappointed in the bank for treating a long term ah in such a manner. It does not give confidence in the bank to protect money from being used fraudulently the bank should have had fraud prevention on there own side by not mailing out multiple cards through out the years over and over with the same card info out of the blueluckily I hadnt had a problem until now but eventually it became a problem and Im not protected by the bank. Whats the point in banking if I have no protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 n 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 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 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 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 Transunion more than 21 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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