vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited {$2500.00} in XXXX bills of XXXX 's into an atm at a Chase bank. The atm malfunctioned and said that it ran into a snag. The only thing I received in return was a receipt stating the error. I called them the next day stating the problem and that my funds were not to be found. They fixed the problem and gave me my money, but on XX/XX/XXXX they ended up taking away {$2300.00} out of my account without notifying me. I called them the next day to figure out was going on and they reversed my money and claimed that I only deposited {$130.00} in single dollar bills. I spent the next two months talking back and forth with supervisors, branch, district, and executive managers. I tried my best coming to terms to resolve this issue but they supposedly did investigations and are certain that I deposited only {$130.00}. I've been banking with Chase for more then 6 years and I'm aware that there can only be a specific amount of bills that can be deposited into their atm 's. I would under no circumstances jeopardize myself and abuse these simple rules since I have bills to pay. They tell me they've reviewed footage of my deposit and found nothing. I trusted my bank to properly manage my funds and instead they steal my money and ruin my credit. This has been a very stressful time for me since I thought they could help me and own up to a mistake that happened on their behalf. All I received in return was an executive manager telling me on a phone call that took place on XX/XX/XXXX was what proof did I have that I deposited my money. They won't budge and clearly have no interest in returning me the money I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: SC

Complaint narrative:
My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was issued a check from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The commission check in the amount of {$5000.00} U.S.D. was deposited into my J.P.Morgan Chase Checking Account on XX/XX/XXXX. The Check Cleared the XXXX XXXX and the funds were available on XX/XX/XXXX. No Problem.

On XX/XX/XXXX I notified the XXXX Branch Bank Manager XXXX XXXX that there was Fraud on my Chase Checking Account in the Amount of {$5000.00} U.S.D. That there was an International Debit-Online Transfer that was not authorized and this was a Fraudulent Transaction. I closed the checking account that day with XXXX XXXX and opened up a New Checking Account with Chase on XX/XX/XXXX. I have since been put into International Collections and there has been no proof from J.P.Morgan Chase as to where the funds were transferred to? No copy of a wire transfer confirmation. Nothing showing the routing information for the proof of where the funds were sent. Chase is claiming that the check from XXXX XXXX XXXX was returned for NSF. I have been in constant contact with this company who I have done business with for over twenty years and they have confirmed that the check was cleared on XX/XX/XXXX from their account and their Bank has never requested the funds be returned or have they ever received any funds back from this Fraudulent J.P.Morgan Chase Transaction. No One at Chase seems to care where the funds were wired to or if they were received and by who? I have a long email string with XXXX XXXX-Chase and XXXX XXXX-XXXX XXXX who has produced two documents from their bank Desjardins showing the check was cleared and processed on XX/XX/XXXX. I need J.P.Morgan Chase Bank to return the Funds I have in the closed checking account along with the fees I have incurred from other banks for missed automatic payments that have been set up on the chase checking account. I have had this Chase checking account since XX/XX/XXXX with no problems. And as soon as I do have a Fraud Alert for them they have no interest to help me and that is why I am asking for your help. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: TX

Complaint narrative:
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXXXXXX is reporting 1. 180 day late status since XX/XX/2014, 2. reporting me 120 days late every month since XX/XX/2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX  XXXX. 

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health. 

I'm hoping this will help me fix this 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 2018-06-15 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: CA

Complaint narrative:
On XX/XX/18 I discovered that all three credit bureaus, XXXX , XXXX   and Transunion are continuously reporting a " revolving '' credit card from   XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.

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 2018-06-15 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: CA

Complaint narrative:
On XX/XX/18 I discovered that all three credit bureaus, Equifax , XXXX  and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days.

It is an item that should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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:
On XX/XX/18 I discovered that all three credit bureaus, XXXX  , Experian and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.

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 2018-06-15 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: TX

Complaint narrative:
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX  XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this 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 2018-06-15 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:
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
This is honestly so overwhelming I have about {$74000.00} in debt and I paid over {$500.00} a month for about 10 years and its over {$20000.00} more than originally XXXX I got shoot probably more than that every time I go into some kind of a forbearance or something because Ive been in and out of jobs when it goes back and repayment its always like oh you owe XXXX dollars your first payment is over 1000 and your payments are over 500 a month ill submit them on my paperwork and my income and then I think Im getting on a payment plan and Im getting forgiveness I paid over three other service companies money only to resend that because now then it gets involved again and then they just end up consolidating me and sending me paperwork I never signed for your eye think Im getting student loan forgiveness and I was in a consolidating my loans again with knobby aunt never what I want to do I keep thinking Im getting steam get forgiveness through the government but Im still with knobby aunts after like four times My loans go from XX/XX/XXXX to XX/XX/XXXX with consolidation dates all the way up to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

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 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I got this loan to help family. On all my emails and phone calls to arrange a payments plan I had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 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: OH

Complaint narrative:
I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
Finance company are false reprting informstion on my credit report. This is the second time and as you can see from my credit report I havent made any payments late. I recently spoke to an associate by the name of XXXX  and he had a very unprofessional attitude and immediately after I got off the phone my vredit score reported something negative.

I have proof of my payment history and also me not having any late payments but all of a sudden after I contact tbem for a payoff on the vehicle this happens.

I kmow that thid is related to my telephone conversation because I received an email alert this morning pertaining to a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: PA

Complaint narrative:
I'm unable to use my XXXX checking account as intended. There is a problem where I can't make transfers inbound or outbound and randomly get locked out of my account. When I go to call in, support says they will look into it but never call me back. I want the issue fixed with a fully functional account or the account closed and a check mailed. This " suspension '' is causing ripple effects with other Banks and I have no idea why.

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 2018-06-15 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: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
XX/XX/XXXX I sent out a validation letter to Wakefield and associates. I received a letter back from them but it doesnt include validation.

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 2018-06-15 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX  ] Account Name : NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX XXXX   XXXX  NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my visa credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX   XXXX  and 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 2018-06-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Since XXXX  of this year my personal information has been stolen, and my card charged four times resulting in my accounts being closed and new cards being opened. This has hit my credit and negatively effected my score.

The company has done nothing to prevent this from reoccurring. I need help to make this stop.

Company response to consumer: Closed with explanation