vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022 I went to the Chase Bank branch on XXXX XXXX in XXXX XXXX. I went up to the door at XXXX XXXX XXXX minutes before closing time- which was XXXX XXXX. The gentleman locked the door on me and would not let me in. I told him I had a deposit and he pointed to the ATM to use. Grudgingly, I used the ATM to deposit the first part of my two-tier deposit. I put in XXXX {$100.00} bills equaling {$1000.00} cash. I was not able to put in the check portion of my deposit which was the XXXX part of my transaction. A receipt spit out of the ATM. It said there was a problem with my deposit, and I needed to call an XXXX number. Needless to say, I was pretty upset about this and knocked on the window till the gentleman came back. I said the ATM just stole my {$1000.00} cash deposit. He had me go to the drive-through. The lady at the drive-through called the XXXX number for me on the receipt which I handed to her and she processed the other part of my deposit, the check part. Chase bank put {$1000.00} in my account the next day while this was being investigated. Here I thought all was good but without any notice AT ALL, 30 days later, they remove the XXXX dollars causing me to almost bounce my mortgage check - thank goodness for a friend who loaned me the $ XXXX Chase said they investigated the ATM and there were no overages. This is a lie and is 100 % a load of XXXX. My money ( XXXX XXXX dollars ) was indeed in that ATM and somehow someway they dont feel responsible for it. NOT ONE PERSON has tried to help at all - even after many years in great standing with Chase. I have been fighting with Chase since XX/XX/XXXX and it is now almost XXXX. The branch manager who I went to see in person completely ignores my calls and has not returned any of them over the last few weeks. I reached out to customer service several times and they also have nothing to say that will help me. They just continue to read the same info. I asked them to watch the ATM footage and they tell me thats not their department Are you kidding me? I asked for the footage and they told me I needed to get a lawyer and subpoena the info. Nobody at Chase is willing to help figure this out and rectify the situation. I would like to charge them my hourly rate for all of my time put into this. I would just like to end with this If that Chase banker worker WOULD NOT HAVE CLOSED EARLY - NONE OF THIS WOULD HAVE HAPPENED. There was NO REASON to close early, weather was fine, no holiday, etc! Chase stole {$1000.00} and they do not even want to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has added a collection to my credit file that is inaccurate and it is currently affecting my ability to secure a place to live. 

XXXX XXXX XXXX Account : XXXX Amount : XXXX I have no knowledge of this account. Also checking my reports and speaking to XXXX and XXXX they have no knowledge of this account and are not reporting this on my file. 

This inaccurate account is greatly affecting my life in many different ways.

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 2022-12-23 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: TX

Complaint narrative:
Back in XXXX my information was affected in the Equifax Data Breach and my identity was stolen. I have had new open and closed accounts appear on my credit reports that is not mines and every time I dispute the incorrect information on my credit reports they are ignored by the credit Bureaus and the Creditors. I Have also filed multiple FTC Reports, and a police report with my nearest police station regarding this matter, that's why I am reaching out to the CFPB for this issue now. This has caused a hardship for my family and me. 

My XXXX XXXX credit report is the only credit reporting agency that is reporting the correct information besides the recent fraudulent inquires reported. I have uploaded my credit reports as of XX/XX/XXXX, along with my Real Identity info ( ID Card, SSN, Utility bill ) and Previous disputes letters that were recently ignored by the Credit Bureaus ( XXXX, Equifax ) and Creditors. 


XXXX along with the Creditors are reporting WRONG information such as accounts ( XXXX XXXX XXXX With the acct # XXXX with a high credit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX the acct # XXXX with a high credit of ( XXXX ), ( XXXX XXXX XXXX XXXX XXXX acct # XXXX with a high credit of XXXX ) XXXX is also reporting an address that I have never lived at before with is ( XXXX XXXX  XXXX XXXX XXXX Texas XXXX XXXX which is also affecting my credit terribly. 

Equifax along with the Creditors are reporting WRONG information such as ( XXXX  Acct # XXXX with a high credit of XXXX ), ( XXXX XXXX XXXX Acct XXXX XXXX XXXX a high credit of XXXX ), XXXX XXXX Acct XXXX XXXX with a high credit of XXXX ), ( XXXXXXXX XXXX Acct # XXXX with a high credit of XXXX ) Which should be deleted immediately due to my identity being compromised and being used by I don't know who.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I FILED A DISPUTE WITH XXXX, EQUIFAX, AND XXXX REGARDING THIS INCORRECT INFORMATION ( XXXX XXXX BANKRUPTCY, AND XXXX  XXXX ), ( DEPT OF EDUCATION ) ON MY CREDIT REPORT. I HAVE CONTACTED THE COURT THAT THEY CLAIM HAS VERIFIED THE INFORMATION AND THE COURT STATES THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. THEREFORE THIS INFORMATION IS BEING REPORTED ON MY REPORT WITH OUT MY CONSENT, THEREFORE THIS IS FRAUDULENT AND NEEDS TO BE REMOVED. PLEASE SEND A REVISED CREDIT REPORT WITH THESE ITEMS BEING DELTED AND MY CREDIT REPORT UPDATED. OR I WILL TAKE THESE MATTERS TO COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report shows that I had a credit card with SYNC/AMAZON with late payments back in 2016. That is incorrect information.

I currently have another SYNC/AMAZON credit card that is in good stating.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Company has sent 8-10 letters trying to get me to confirm I am who I say I am Company is not reporting accurately my score and has 30 closed disputes that have provided no actual use I want them fined and I want the max amount for the data breach settlement. 


Do something about your XXXX credit reporting too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX FIN : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company has sent 8-10 letters trying to get me to confirm I am who I say I am Company is not reporting accurately my score and has 30 closed disputes that have provided no actual use I want them fined and I want the max amount for the data breach settlement. 


Do something about your XXXX credit reporting too

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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2019 I entered into a contract with XXXX XXXX XXXX, who was illegally presenting himself as a licensed MN Contractor, under the fraudulent heading which stated " # XXXX XXXX XXXX. '' I did not know that he wasn't licensed at the time. I gave him a down payment check, from my Wells Fargo checking account, in the amount of {$8800.00}. He immediately went to the nearest Wells Fargo and cashed the check. Wells Fargo failed to fingerprint him when they dispersed the funds to XXXX. Months later I realized that XXXX was not going to perform his duties. I reported the case to the State of Minnesota Department of Labor and Industry. I am attaching the signed letter that I received from the Department of Labor and Industry, which describes the fraud in detail. You will notice on the letter that the Dept of Labor and Industry is fining XXXX in the amount of {$10000.00}. What XXXX did was illegal felony fraud. I reported the issue to Wells Fargo in an attempt to be reimbursed, however, Wells Fargo would not reimburse me, even though it was felony fraud. According to Minnesota law, fraud in the amount of {$500.00} or more is a felony.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
I first opened the XXXX XXXX account up back in XXXX of this year 2022. After giving them a {$300.00} deposit. 

After getting the the card and terms, which I was not aware of, I decided the terms was not fair. So, I decided I would close the account. 

I decided on XX/XX/2022 to finally close the account, which I never used. I spoke with Representative named XXXX on that date and told her I am closing my account. 
She said the account will close and I will receive my {$300.00} deposit in the mail to my address on file within XXXX to XXXX weeks. 

XXXX to XXXX weeks went by and I did not receive my check in the mail. 

I called them back again on XX/XX/2022 and I was transferred to multiple employees and eventually the phone was disconnected. 

I called back again on XX/XX/XXXX, and spoke first with Representative named XXXX, he said he does not have a XXXX ID. Then I asked to speak with the supervisor. I was transferred to supervisor named XXXX Representative ID XXXX. He said he does not know what happened with the check where it was and if it was even shipped to my address back from XX/XX/2022. I asked what is going on? I do not understand this process. It should not take this many attempts to get a resolution. There was a ticket number created ( ticket number XXXX ) to get down to see what is going on. I was told I would receive an email with an update within XXXX to XXXX hours. 

XXXX hours later, never received a response. I emailed them asking them where is my {$300.00} deposit? I did not receive a response back. That was XX/XX/2022. 

I called again today, Friday, XX/XX/2022 and spoke with supervisor named XXXX XXXX, Representative ID XXXX. He told me the last activity that was on the case was XX/XX/2022 waiting for a XXXX approval to issue out the refund. I received no solution again today. 

I have not ever had to report a business to an agency before. 

I do not know what is going on with that company, but it needs to investigated. 

I was told they have a lot of complaints against them.

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 2022-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit company equifax deleted everything off my credit file. Can you please make sure they put my information back on credit report. I need to be compensated for the inconvenience. They cause me to lose XXXX points off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX CA XXXX FRAUDULENT NAMES : 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 2022-12-23 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:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
So in XX/XX/2021 I got a loan from Santander Consumer USA, and shortly after that I lost my job and XXXX XXXX XXXX XXXX XXXX and then I was back to work and XXXX XXXX XXXX. I got upside down in my loan they repossessed the vehicle and I still have a charge off on my credit report for {$26000.00}. So I am unable to get any form of credit today. And they even repossessed the vehicle that was worth more than the loan amount. Im pretty much completely stuck in my life right now because of that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
I placed a check refill order. The checks never arrived. Someone got the checks and used forged signatures to withdraw money from my account fraudulently for a total of {$61000.00}. 

I became aware of the fraud on XX/XX/2022 and contacted both customer service and the police that day. It took 55 days for them to mail be a claim packet. I filled out the claim, had it notarized, and sent it on XX/XX/2022. 

XXXX XXXX XXXX  has not returned these funds. 
XXXX XXXX XXXX has not contacted me with any updates. 

XXXX Police XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: SC

Complaint narrative:
I was informed of a debt that I owed of {$2500.00} approximately and I realized that the debt was paid through my " XXXX XXXX XXXXt '' and Republic Finance LLC is demanding and payment and filed a XXXX against my personal assets. I informed Republic Finance LLC and spoke to the Manager. I remedied another payment with a 1099A. I also contacted in writing the Corporate Office CEO requesting " Accept for Value '', with a 3rd method this loan has been paid in full already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Date : XX/XX/2022 Amount : XXXX dollars ( XXXX + XXXX ) Actions : Made two appeals I made my prior appeal to the bank after first urging the " pending, '' transaction to outright be canceled, the Navy Federal worker told it was possible to do that ( Remember this fact ) but I should wait a couple of days for it to go through, get a new card and make the transaction because my story seemed true. I was given a provisional credit and after a month, I was sent an email saying my transaction was denied. I was not given a specific reason in the e-message but that it was rejected on the basis of my account history, transaction details and " discrepancies, '' between the claim and my account. Confused, I called for an explanation and they told me on the phone that it was because it was consistent with my account ( I have never sent anyone more than XXXX in the past year or even XXXX ever ), transaction details ( Addressing my facial ID, in which I told them that I willingly sent this stranger who was asking me for money XXXX, was told the money did not send then to be nice just doubled it to XXXX ) and they could not explain these " discrepancies, '' I was switched over to the fraud department and a lady told me to send pictures of all my apple transactions, proof I did not know the person and explain the token issue. I explained and she told me out of her mouth that " I should get the appeal with all the evidence I brought forth. '' I wait another month and yesterday I sent an e-message to Navy Federal that my investigation is not being taken seriously then they replied less than XXXX hours stating my appeal has been denied again without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation