vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern : I, XXXX XXXX, am writing this letter to lodge a formal complaint against Chase Auto Finance. 

For five years, Chase Auto Finance has refused to pay me over XXXX XXXX dollars : On XX/XX/XXXX, I received a loan from Chase Auto Finance ( herein referred to as Chase ) to purchase a XXXX XXXX XXXX. The total loan amount was {$62000.00}. Because the vehicle would be purchased out of state, the loan was to be disbursed in the form of two checks, one to the dealership for {$59000.00}, and the other, for tax and title, to the XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I received the check for the dealership but never received the check for the tax. 

After about 3 months of calling Chase trying to get the second check from them, I was forced to pay the tax myself, as my temporary registration had expired. Even after I paid the tax myself, I continued to contact them via their phone support. Over the next 6 months, I was told multiple times that my issue would be resolved and that a credit for the amount would be applied to my account. Believing that the issue had been resolved and that my balance had been adjusted to reflect the correction, I stopped contacting them. 

Starting in XXXX of XXXX, when my loan had approximately 5 payments left, I realized that absolutely nothing had been resolved and no credit had ever been applied. I started contacting their phone support again. Each time I call, I am once again told that my case will be resolved within a few business days or to call back in a few days or that a representative from Chase would contact me. 

Each time I talk to them, they request proof of sales tax payment, which I have sent three times now, via fax and email. I don't see why they need proof that I paid my own taxes, when they never sent me the check for the tax. They have also requested a copy of the vehicle title, which I have sent multiple times as well. Again, I don't see how a copy of the title would help them pay money they owe me. On every single call, I am assured that my case will be escalated and that the matter will be resolved within a few business days. 

After no less than six, thirty-minute to one-hour phone calls in the last 3 months, as well as countless other phone calls earlier on, the issue has still not been resolved and now I am receiving threatening letters from Chase stating that my account is past due, that my vehicle will be subject to repossession, and presumably that my credit score may be affected. My frustration with Chase can not be overstated. 

After 5 years and countless opportunities to address this situation, I feel that this is at the very least a violation of banking regulations and at most illegal and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05 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: FL

Complaint narrative:
I have fraudulent inquiries on my reports.

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 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
They call me ever day 3 to 4 times, i have asked to have any legal documents showing I signed and had a contract with this company for the amount they are asking for and for them to provide it to me and to provide it in writing but they have not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2022 I received a document saying my credit card was changing and that my 2.5 % cash back was changing to 1.5 % cash back, but that they'd put an additional 1 % cash back onto the card for all qualifying purchases through XX/XX/2022. 

It was eventually confirmed my card was only getting 1.5 % cash back, even though they could locate the XX/XX/XXXX document and the XX/XX/XXXX email confirming the 2.5 % cash back. 

USAA told me on XX/XX/2022 that as of XX/XX/2022 my card was switched and instead I was getting 1.5 % cash back the entire time. 

At this point I've been sent to six different people ( credit card dept, rewards dept, customer resolution dept ) and no one is able to fix this issue. I've been told my rate should be adjusted and backdated, but no one knows who does that which is why I'm here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXXACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX TransUnion XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department

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 2022-11-05 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: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX XXXX Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Share Agency Name XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department

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 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX Experian Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation

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 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi I was looking for new graphics card for my computer. The graphics card that I was looking for was the XXXX  XXXX which sells for {$1500.00} USD. While XXXX shopping I saw that XXXX was selling for {$400.00} + {$30.00} shiopping. In the description, it said to XXXX phone number XXXX before ordering where I contacted the person. The person said he does takes only bitcoins and XXXX. Since I did not have any bitcoins, the only option for me for XXXX. After going back and forth, we agreed that I will give 50 % through XXXX which is {$210.00} dollars. I sent the money from XXXX to XXXX XXXX email XXXX. Chat documentation is also attached. After few days, he sent me tracking information but it was for XXXX instead of XXXX or XXXX. Linked below Every day I was getting tracking it and I noticed that it said quantity was 5. I ordered only 1. when I inquired the seller, he said my employee sent 5 instead of 1 by mistake so since they have sent it I have to buy 3 get 2 free. I will need to pay to 2 more ( {$800.00} ). I said ok depending on what i receive. In the tracking it was showing it is crossing country to country when it was put on hold in XXXX. The Seller said XXXX XXXX is asking for {$200.00} for releasing it. This is nonsense, why would XXXX customs have it when it is coming to XXXX? After that the conversation with seller collapsed, he said he will deduct {$200.00} once it is delivered to me. But I did not agree. I then called my bank wellsfargo for reversing the transaction and they have sent me letter that saying there is no error and they cannor reverse it but they contacted the other banking institution, there is no guarantee that they will reverse this. Please ask the bank to reverse this electronic transaction based on regulation E. All documentation I have attached. Also, the bank will send me some documentation in 30 days which i will attach later. 


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 2022-11-05 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: OH

Complaint narrative:
On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead XXXX  XXXX wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to Transunion and XXXX  to reinvestigate the request.

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 2022-11-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX  stating Navy Federal Credit Union SOLD my personal and private information to them on XX/XX/XXXX and to XXXX XXXX XXXX on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
Navy Federal Credit claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found out that decreased by XXXX points due a late payment report from XXXX  XXXX XXXX on XX/XX/XXXX XXXX i checked thXXXX XXXX XXXX XXXXXXXX XXXX payments and were on time, also I called XXXX XXXX XXXXXXXX and they verified that the information report from TransUnion is wrong and they created a dispute case also. 
Please help me get this corrected. I always pay on time

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 2022-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have attempted multiple times to contact Fortiva to have match pay credits applied to my account I have received confirmation that I am enrolled does the match pay program but the credits have never been applied to my account. I have made multiple payments to Fortiva but they have never applied the match payments to my account since XX/XX/2022. My ssn is XXXX and my name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: IL

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I opened an account with Cash App ( XXXX XXXX  ) this account was strictly for shopping and I paid a couple bills. The deposits amounted up to {$800.00}. I went by transaction by transaction. Then I added all money spent on bills and shopping and that amount came to {$700.00}. They are telling me that I over drafted my account by XXXX?? Now in those deposits I didn't even include the roundups that is where they round to the nearest dollar amount and put it towards stocks. I have contacted them several times today XX/XX/2022 That the storage unit I paid charged me a late fee. that is a complete lie. Because I called the storage place and it was a debit. That means it went out instantly and there was no late fee. I have addressed the situation several times and each time its something new!. I am on a fixed income I have gone bankrupt. So every dime counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary XXXX TransUnion XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX : XXXX XXXX XXXX  XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation

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