vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a Chase checking account. On XX/XX/XXXX I received an email notification that a XXXX recipient was added to my account. The email prompted me to pay the recipient and also informed me to contact Chase customer support if I did not add the recipient ( see webmail screenshot ). I did not add this recipient nor did I authorize this transaction. I immediately contacted customer service and logged into my Chase account. I found {$4700.00} was transferred out of my account through a XXXX transaction to the recipient that had been added moments earlier. I submitted a fraud claim and Chase denied the claim suggesting that they could not prove fraud ( see attached XX/XX/XXXX letter ). I appealed and again they denied the claim for the same reason. ( see attached XX/XX/XXXX letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a grill for my vehicle from a company called XXXX XXXX Im XXXX using XXXX XXXX, A division of Affirm. Order XXXX ( XXXX ) and loan number XXXX ( Affirm/XXXX XXXX ). 

I contacted the company a few days after my mechanic installed the grill due to water in one of the lights on the grill. I was sent two replacement lights. Two weeks ago, all of the lights are filled with water and a fuse was shorted. I contact XXXX XXXX XXXX via email and phone. I then put in a claim and disputed payment resolution to XXXX XXXX XXXX. 

Since affirm forced me to pay them, I now have a broken item and no recourse XXXX XXXX XXXX : XXXX XXXX XXXX You will see that the site is down and the numbers don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
XX/XX/XXXX I submitted an Identity Theft report to the FTIC and later on mailed in to Equifax regarding some fraudulent accounts reporting on my credit. It submitted an updated report in XXXX of XXXX and they have yet to update my credit report to reflect accurate information. Both fraud reports have been attached below. They are illegally reporting inaccurate information and are violating my FCRA Right act. My next step is to take legal action if reporting information is not updatetd accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DC

Complaint narrative:
I have asked the purchased creditor to send me proof of the debt owed and the contract, to no avail. I have disputed the account twice and it still shows that it is validated. 

How is it validated when the requested information was not sent to me however, it is being stated as ( validated ) with the credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : CAPITAL ONE AUTO FIN Date of inquiry XX/XX/2021 CAP ONE AF Date of inquiry XX/XX/2021 COAF Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I dispute and disagree with this supposed debt which the collection agency is attempting to collect.. I dispute and disagree that I have ever had or in any way owe such debt as referenced in their XX/XX/XXXX notice. 

The vehicle in question for which I am being told the debt is owed was part of a contract XXXX XXXX for XXXX and was a contract with XXXX. The terms of the contract were such that if all payments were made in full and vehicle  was turned in/picked up by XXXX in XXXX when due at the termination/ end of the time period contracted with XXXX there was no amount or payment due at the time vehicle was turned in/picked up. I met these conditions. 

Further the vehicle was picked up by XXXX on time XXXX, as contractually required with no outstanding balance. From XXXX to present there was no communication, notice or indication of balance due or any amount outstanding at the time of pick up. And from the time of pickup of the vehicle by XXXX to this date there has never been any communication, request for payment or notice of amount due, from XXXX, or XXXX XXXX ( at the time a part of and extension of XXXX as its leasing arm to XXXX  and XXXX XXXX ), or any other entity. No notices, claims, request, invoices, detailed accounting or presentations or communications of any kind regarding any amount owed or outstanding balance.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX uses a company called Comenity to run their store cards. Comenity 's online payment portal has been down since XX/XX/2021. It does appear to be working as of XX/XX/2021. When you call to make a payment Comenity charges a fee for doing so. They have refused to waive late fees even though their website has not been functioning for months. Not all of us want to pay to make a payment by phone, or wait at a store or on the phone to process the payment. Their {$35.00} dollar late fee is excessive given that they have a broken payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a 609 letter to Transunion, XXXX & XXXX asking for proof of verification for the following unverified accounts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX just over 6 years ago. I made 72 payments on time and then, in XXXX last year I traded the vehicle in at XXXX XXXX Florida. Subsequently, I received notice in XX/XX/XXXX that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at XXXX and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months ( 6 years of on-time payments ), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and XXXX, and then after hiring XXXX XXXX to submit our case, Santander has yet to remove the 30 day late. I'm an iXXXX and my credit is imperative. My next step is to file a law suit against Santander and I may be able to pursue damages. Santander is liable and they have a duty to acknowledge the auto dealerships admission of providing the late payment. If you can't get this done please obtain the contact name and address for service of process regarding this matter. I can provide the documents if you need them. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ALLY FINANCIAL Date of inquiry XX/XX/2021 ALLYFINANC Date of inquiry XX/XX/2021

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 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I changed banks that my automatic payment is deducted from back in XX/XX/XXXX. Select services acknowledged the change by letter. In XX/XX/XXXX they tried to pull payment from old bank. On XX/XX/XXXX they called to tell me I never made pmt. I explained that they probably did not pull pmt from correct bank and asked that they confirm new bank account and they record my payment as made on XX/XX/XXXX. They left the record of pmt as XX/XX/XXXX and reported to credit Bureau. My credit dropped due to additional funds added to my mortgage. Again in XX/XX/XXXX I received call on XX/XX/XXXX that I have not paid. Again they did not submit pmt withdrawal correctly. I can't call till XX/XX/XXXX because offices are closed. This will be 2 months in a row they are recording put not made on XX/XX/XXXX. I will be charged interest when I sell or pay off my from XX/XX/XXXX to XX/XX/XXXX. My credit will drop again. I want this fixed and my payments recorded on XX/XX/XXXXof month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express Serve card closed account XXXX XX/XX/20 Ive tried numerous of time from that to this date to receive my balance in check by mail due to them closing account and they refuse to ongoing problem for at least a year now Ive sent verified information and still nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

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 2021-11-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : USAA FEDERAL SAVINGS B XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received an email from XXXX XXXX a service of XXXX XXXX. It said there was an alert on my credit report for Experian. It said to sign in to my account. I first looked at the email and it looked legit. On the credit report there was a report from this company ( XXXX ) XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I called the number on a sat morning ( which is outside their hours per their website ) A woman answered saying SBA. I told her what had happened and she said " this is a fraud attempt ''. Then she asked if I could give her my social security number. I said " no I can't. She said " well I will put you through to the fraud department ''. The man who answered immediately wanted my social security number too. I told him " no ''. He said " I can not help you then. '' I replied " so be it. I think you are attempting fraud. '' And he hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 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: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry XX/XX/2021

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Purchased furniture at XXXX XXXX store in XXXX of XXXX and financed {$5700.00} through Synchrony Bank with a promotional period of no interest until XX/XX/XXXX. 
The furniture was delivered in XX/XX/XXXX. 
The following are the transactions by statement month processed by Synchrony Bank. 
XXXX statement Charged {$3600.00}. Called Synchrony Bank to dispute charge. 
Synchrony Bank said it would credit and close the account and open a new account. 
XXXX statement XXXX account is charged {$3600.00} and credited {$3600.00} twice. Leaving a credit balance of {$3600.00} which is incorrect, called Synchrony Bank to inform them of their error. Told it would be corrected. 
XXXX statement Received credit of {$3600.00}. All is good. 
Furniture delivered in XXXX. 
XXXX statement Charged {$5700.00} for the furniture which is correct. 
Now the fun starts : XXXX statement Charged {$3600.00} and {$3600.00} and receive a credit for {$3600.00}. Call Synchrony Bank to dispute and spoke to several representatives ( 2 hours on the phone ) including one representative who said We really messed up this account. Told it would be fixed by the end of the next billing cycle. 
XXXX Statement The account is not fixed but I am also charged interest of {$170.00}. Call Synchrony Bank and ask the Representative to transfer me to their boss. After a two hour wait, I hang up and call the next day. After only a 45 minute wait, I speak to the Account Executive ( XXXX, who would not give me his last name or his bosss name or number. I told him I worked for a bank for 41 years, you have to report to someone, he said he reports to no one ). He told me it takes two billing cycles to correct disputes. 
XXXX XXXX The issue is still not resolved. 

I need help to resolve this issue, I have a charge for {$3600.00} on my account which I did not make. I have not been already charged {$350.00} in interest during the promotional period and I had to make three minimum payments of {$450.00} instead of {$200.00} to avoid causing further issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13 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: GA

Complaint narrative:
To whom it may concern, I am in need of your assistance with getting account and items removed that do not belong to me. I have reached out to the credit agencies to no avail. 

The accounts below are not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$230.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$640.00} 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$520.00} 4. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following is reporting inaccurate lates. I was never 30 or 60 days late 7. XXXX XXXX - in XXXX or XX/XX/2020 ( TU & XXXX ) 8. XXXX XXXX - in XXXX & XXXX XX/XX/XXXX ( XXXX ) Incorrect Name and Address information : Incorrect Name : XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX & XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX on 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 2021-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After more than a year of unemployment, I got my first paycheck. I used the chase mobile deposit features on my app because I needed the funds made available as soon as possible. When I called customer service, they assured me that the funds would be available the next day no later than XXXX XXXX. after being put on hold three hours wait with their " hold department '' ( XXXX ), they won't release my funds or let me cash my paycheck somewhere else. I need these funds for transportation to my next shift as well as to live. JP Morgan Chase is refusing to give me my salary, and it is ridiculous because i don't work for a mom-and-pop shop I work for an XXXX XXXX XXXX the funds are guaranteed.

Company response to consumer: Closed with explanation