vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My father and aunt have a joint checking account with JP Morgan Chase Bank, N, A. While my father lived, he granted me POA to access the account so that I could assist with paying my aunt 's bills. Upon my father 's death, I received POA for my aunt. I went to Chase Bank with this POA, and death certificate for my father, and it was rejected ( see Chase letter XX/XX/XXXX ). I have attached a scanned image of this POA. 

This POA had already been accepted by other financial institutions so that I can assist my aunt with her finances. I then executed another POA ( dated XX/XX/XXXX ) for my aunt that I submitted to Chase. I understand that this is the most up-to-date version of the New York State POA XXXX I have also included the scanned image of this POA. I received a letter dated XX/XX/XXXX rejecting this second POA. Images of both of these rejection letters are attached. 

My aunt is XXXX XXXX XXXX and living in the long-term care facility XXXX XXXX XXXX XXXX I ensure that her monthly bill at the facility, and personal incidentals are paid with access to her financial assets. She has granted me the POA to assist her. 

I have spoken with the Chase representative who can not explain the rejection letters I have received. There is no person to speak with at Chase Account Services or their legal department. I do not understand why I am not being granted POA for my aunt 's account. As you can read from the two letters, the reasons for the rejections changed. Out of frustration, I am writing to you in hopes that you can shed light, and hopefully rectify this issue. 

If there is another form that needs to be signed by my aunt, I would like Chase to let me know. Getting these punitive letters is not a solution or a fair, customer friendly, way to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: CA

Complaint narrative:
Okay well I was adding money to my card to save it because my wife had recently had a XXXX and I wanted to make sure I had extra money saved so I was making deposits from my XXXX XXXX  out to this card While I was at the hospital with my wife someone had stole my card I guess or my card number and was making transactions from XXXX and XXXX XXXX which I don't know what that is I disputed it and they sent me back something saying the transactions needs to be verified and verification was given I'm not understanding what that means but I did not use the card especially for no XXXX gold coins and now they're not helping me get this problem resolved the questions they ask are a set up no matter what u say your wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, my husband and I applied for a mortgage loan with Third Federal Savings and Loan. We wanted to obtain a pre-approval to begin shopping for our new home. Initially we tried using the online application, yet it was confusing as it require the applicant to enter the address of the home you want to finance. We would not know that information, thus, requesting a pre-approval to locate a home within our budget. We then called the Third Federal Savings and Loan location at XXXX XXXX XXXX, XXXX OH and spoke with XXXX. I told her that I was looking for a home in several nearby school districts. Via the phone, XXXX took our pre-approval application over the phone. She called us back the same day and spoke with my husband to state that our application was denied due to my husbands credit score and my DTI was high. On XX/XX/2022, I reached out to XXXX to gather more information about the credit decision and she stated that my DTI was high and I would not be qualified for the loan amount that I initially requested, which was {$450000.00}. I asked her how much I could pre-qualify for and she responded that I would not be able to afford what I am looking for in the school districts that I mentioned when the application was taken. XXXX then stated maybe {$800.00} a month and I dont know when I asked about the loan amount. She brushed me off. In addition, XXXX stated that anyone with credit scores less than XXXX will have pmi added to their mortgage loan. Knowing our race and ethnicity via the XXXX questions and age based on the application, XXXX became unprofessional on her communication of the credit decision and guidance for next steps and possible options. My ask is to ensure the credit application was decisioned properly and support of the credit decision is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GA

Complaint narrative:
On XX/XX/XXXX. I drove up to an XXXX ATM machine on XXXX XXXX XXXX XXXX Ga and did two withdrawals in the amount of {$500.00} the first one at XXXX was successful. The second withdrawal of {$500.00} at XXXX the ATM dispensed the cash as I went to grab the money the machine sucked the money back inside. I sat at the ATM for a minute thinking the machine would spit the money back out, it did not. I went inside to the bank and was advised by the customer service reps they could not assist me because this was not my bank. I would have to file a dispute with my bank. I called my bank Chime right then to file a dispute and explain what happened Chime informed me the investigation will take 45 days. Then 10 days later I received a provisional credit all for them to email me on XX/XX/XXXX to reverse the provisional credit. I contacted XXXX branch they own the machine they contacted there ATM Resolution Team they see an issue the day and time in question. But stated that can not further assist me because I don't bank with them. Chime would have to recoup on there end an investigate and they really have not. I sent all documents they requested right away the same day. Chime haven't been helpful or unwilling to help me in this matter. Please Advise? My phone number is XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a car from XXXX on XX/XX/XXXX. Bridgecrest was the lender through XXXX. We secured a much better interest rate through our credit union, XXXX XXXX XXXX XXXX ( XXXX ). XXXX send a check to pay off the loan that was received at Bridgecrest on XX/XX/XXXX. The first payment on the loan was due XX/XX/XXXX. I called after tracking that the check from XXXX had been delivered. I was told it takes about 10 day to process the check. I made the loan payment to Bridgecrest while waiting. I called Bridgecrest about 10 days later ( around XX/XX/XXXX ) and was told it had the check still had not been processed. Made 2nd payment to Bridgecrest. I called Bridgecrest on XX/XX/XXXX. Was on hold for close to 2 hours waiting on a supervisor after I was told AGAIN that the check had not been processed. I called today XX/XX/XXXX and it still has not been processed due to employee shortages. THIS IS POOR BUSINESS and NOT MY PROBLEM. 
Bridgecrest has had the check for 45 days and has not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company continues to harass me over a debt that's fraudulent. I've provided them proof of this on numerous occasions. In fact, the debt was proven fraud and deleted from the bureaus, but this company had it added back on which is illegal and a violation of my rights. This is causing me great anguish and I'm considering litigation. Please help me put a stop to this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was send a flyer by a company by the name of XXXX XXXX promising that for a fee, they can negotiate a cancellation of my Time Share that I can no longer used. I went to a meeting and was convince that they can, made all kind of promises. Since they were accepting payment on my credit card, believing in the ablility of Credit Card organization to help recover fund if the merchant prove to be unreliable I agreed to pay using my cards. However, since that time, except for two interactions, all contact stopped, and despite all attempts there were no response. 
AT that point I contacted my credit card company, XXXX under Elan Financial. Despite the fact that the service itself was to be provided at a later date, between 12 and 18 months, XXXX is refusing to take any action on my behalf hiding behind the FCBA regulations. They are claiming that the charge was older than 90 days and there is nothing they can do. 
In fact, today I, one more time, called the number given on the credit card charge, someone by the name of XXXX answered but immediately told me that my dispute is with XXXX XXXX and they have no affiliation with them. Based on this interaction, I believe that the whole transaction was fraudulent and should be looked into by a goverment agency. 
As far as I am concerned, XXXX acted as an agent of that merchant and should be responsible for their fraudulent action. In fact, if XXXX did not legitimize them, I would not have accepted to enter into a transaction by paying cash or check. I truly believe that in case of problem I could always depend on them for a fair and equitable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a credit card in the mail from Chase Sapphire Preferred that I did not apply for. I contacted the company, and they cancelled the card, but I would also like to make sure they remove the XX/XX/21 JPMCB credit inquiry on my credit report and safeguard my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

XXXX, XXXX has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

TD bank/targetcred has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: MS

Complaint narrative:
Transunion is reporting this inaccurate collection on my credit report .. they have re-ages the date of last activity which is a violation under FCRA 605 c running of the period. 

I have no knowledge of this collection as I do not have an agreement with this collection company and I am unware of this balance Transunion also failed to mark this account as disputed on my credit report which is a FCRA 623 failure to mark disputed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
XXXX XXXX Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, EXPERIAN CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( EXPERIAN ) that I have to go back to XXXX XXXX Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with EXPERIAN and they sent me right back to XXXX XXXX Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. 

In XXXX I got a collection letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I an responsible for shipment. They only send me a document I received the shipment. 

Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but I only got 2.

I am asking for validation on the originating documents that I agreed to pay. XXXX  XXXX, nor XXXX provided them to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX, mi, XXXX ] TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
John Gibson Auto Sales XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX I filed a XXXX XXXX Bankruptcy in XXXX listed John Gibson Auto Sales as a creditor. John Gibson Auto Sales credit account was not reaffirmed nor did the company show up or file a motion to take the vehicle back into its possession. My XXXX XXXX bankruptcy was discharged in XXXX XXXX 
John Gibson Auto Sales is continuously reporting the account as a current account to the credit company XXXX XXXX as 60 days past due. The account was paid in full in XX/XX/XXXX by insurance company, XXXX resulting from a car accident which the vehicle was totaled out, zero Balance. 
John Gibson Auto Sale is committing fraud by report incorrect information to the credit company XXXX XXXX on purpose. The account had been disputed several times and John Gibson Auto Sale report the same information. 
In XXXX, John Gibson Auto Sales report false information to another Auto Dealership by reporting the account was reaffirmed in the XXXX bankruptcy when in fact it was not. John Gibson Auto Sale admitted the error after the damage was done by nor being able to submit a sigh document affirming the account.

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 2022-01-12 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dana & Pariser Co.,L.P.A.
State: OH

Complaint narrative:
This debt was paid in full back in 2020 and still reporting incorrectly on my credit report. I have received 2 paid in full letters yet still reporting incorrectly and by doing this is a great hinderance because it keep showing up. This case is closed and released. Please remove from all three credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: GA

Complaint narrative:
i call the netspend debit card company. To ask why my debit cards were and accounts were closed. They basically told me that i couldn't get service though them anymore. They said it was do to fraud activity. Or they couldn't identify property something like that. But after asking a a series of questions at i asked at XXXX pm cst. The customer service representative lead me to believe that it may be do to discrimination reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}

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