vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, I deposited a check in person with a branch teller inside Chase at XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have my printed receipt copy for that deposit in the amount of {$10000.00}. That check deposit is missing from my bank account. 

The following day on XX/XX/2021 at XXXXXXXX XXXX  CT when I noticed the deposit was not pending my account, I called the general Chase Customer Service line who then transferred me to Chase Claims Department. I was told that because the deposit was made in person at the branch, I needed to reach out to the branch directly. That call lasted 15 minutes. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I called the branch directly and spoke with a representative about my missing check deposit. The representative took my name and number and said a manager would need to look into this and would call me back. That call lasted 10 minutes. 

On XX/XX/2021 at approximately XXXX XXXX CT, after not receiving a prompt call back, I walked into the branch in person and spoke with XXXX XXXX XXXX, the associate banker who was looking into my account. She said she filed a claim regarding the missing funds, handed me a claim number on a sticky note, and said to expect a temporary credit to be in my account within 1 day. She gave me her business card and the business card of the branch manager and said the branch manager wasn't here but has been made aware of the situation. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I wrote an email to XXXX XXXX and the branch manager/VP, XXXX XXXX XXXX, informing them that the funds were still missing from my account. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I promptly received a call from the branch manager/VP XXXX XXXX XXXX. She informed me that the teller made an error with my deposit and had accidentally voided my transaction. She informed me that my check was on it's way into storage and that it would take approximately 2 weeks to locate my physical check. She said she was working to expedite a temporary credit on my account for the missing funds. 

On XX/XX/2021 at XXXXXXXX XXXX  CT, XXXX XXXX XXXX called me to inform me that the Chase Research Department denied my claim for a temporary credit. At that time, she informed me that my best action may be to contact the issuing company to stop payment on the check, request they mail me a new one, and start over with a new deposit. There was nothing further they could do for me at this time other than apologize and offer to cover any fees I may incur to try to expedite a new check from my vendor.

I have my receipt showing proof of deposit, Chase has my check, and I am missing {$10000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have a auto loan I made every payment on since getting the car in XXXX. The dealership did somethings which has me needing a new car without wasting your time. Chrysler pre approved me for a new loan. I shopped around for a vehicle, and put {$23000.00} down. They approved the loan and gave a list of stipulations I complied with. After doing so they keep coming back each week asking me to do more things they didnt ask for at first when approving me. Today they wanted a phone interview even though I never applied for a job. I have had 3 car loans from Chrysler and they have never asked for a phone interview. They are doing This to prevent me from getting a better interest rate and a car that is not defected. I tried purchasing a new vehicle instead of complaining but Chrysler leaves no options. Spoke with XXXX XXXX and did a phone interview at XXXX her employeee id was XXXX she said that the deal would be funded. Then at XXXX they said I didnt do a interview. They lying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: IA

Complaint narrative:
In XX/XX/XXXX I visited the TCF branch in XXXX XXXX, SD to close my account. I received a cashier 's check for the balance on the account and was told it was closed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$.00}. I contacted TCF bank to let them know my account should've been closed in XX/XX/XXXX. They said that I had a roughly {$60.00} balance at that time which had slowly drained due to dormancy fees and was now past due. They said they would close the account and no further action was needed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$10.00}. I contacted TCF and they let me know they could not assist me over the phone and I would need to visit a branch location to receive assistance. I asked for a manager and they said they would reach back out to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureaus illegally furnished my credit reports without written consent and I am entitled to compensation.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
This is an account I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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:
I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent XXXX XXXX XXXX, a XXXX XXXX XXXX erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XXXX  In XXXX XXXX, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX  by phone, I was made aware of the error In XXXX of XXXX I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/. This resulted in a 40 point credit score drop across all 3 reporting agencies.

Since then, I have been in telephone contact with XXXX  disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & XXXX, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I booked a holiday vacation using a Barclays credit card, at XXXX XXXX in XXXX XXXX from XXXX, through a third party ( XXXX ). Upon returning home I received a fraudulent charge on my credit card for {$1000.00}! I disputed the charge on my credit card and also called XXXX XXXX XXXX. They told me it was for a damaged mattress and linens! I have no clue what they are talking about!! They sent me no proof, such as time dated pictures, or any photos. I have concluded that they have the wrong room number and want to stick some old lady with charges. It is disappointing that my credit card company did not properly investigate charges and is holding me responsible. Next time I travel I will take photos of my room before exiting.

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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Aarogon agency is trying to collect a debt for a patient for XXXX XXXX XXXX in XXXX, TX. I was not there on the date of service and did not sign anything. They are sending me the bill with the patients mothers middle name with my first and last name. Date of service is XXXX and balance is {$7300.00}. I disputed this stating it was not my debt nor was I there or signed anything and they just sent me an itemized bill saying it was my debt. Also they listed this on my credit report which now states an alias for me is The patients mothers middle name.

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 2021-07-06 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX show different last active dates and XXXX XXXX have been re-aged by 5 years so if your are verifying these accounts then how in the XXXX are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.

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 2021-07-06 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: Nelnet, Inc.
State: IL

Complaint narrative:
Filed Credit Disputes to all 3 credit bureaus disputing Nelnet Student Loan debt to no avail. Called Nelnet throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over Nelnet reporting system. 

Nelnet is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

Nelnet is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -KAY JEWELERS # XXXX -XXXX  # XXXX -XXXX # XXXX XXXX # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX XXXX XXXX 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 2021-07-06 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: FL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Early Warning Services, LLC
State: MD

Complaint narrative:
Early Warning System issued a report on my banking activity. It contains numerous false statements and Ive tried to address these issues with the company but it seemingly refuses to rectify them.

I can not open any checking account because of the report. This causes great inconvenience and the company informed me that the false information will stay on my record for five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: IL

Complaint narrative:
Filed Credit Disputes to all 3 credit bureaus disputing XXXX XXXX XXXX debt to no avail. Called XXXX throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over XXXX reporting system. 

XXXX is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

XXXX is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2021 I turned on my computer and there was a XXXX warning and to call XXXX XXXX immediatly. I call XXXX and spoke to an agent named XXXX XXXX. He said he could take care of the problem but needed to control my computer. He took control and said I had been hacked.He said he would take care of the XXXX and connected me to the U.S. Bank fraud division. I was connected to an U.S. Bank agent named XXXX XXXX ( Phone # XXXX ). XXXX told me they were aware of the scam and that it was being handled jointly with them and the FBI He also told me that the perpertrators were trying to collect {$34000.00} from my savings account. He said that they had transfered the money from my savings to my checking Acct. and are requesting a wire transfer to a XXXX XXXX bank. The funds were transfered without my consent and the wire transfer was sent.

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 2021-07-06 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: GA

Complaint narrative:
I filed a previous complaint on XX/XX/XXXX, ( COMPLAINT ID XXXX ) against TransUnion. My credit score continues to drop around the first of every month without any explanation for the drop, when the other scores from the other two credit bureau continue to go up, TransUnion score decreases for no apparent reason, here is a history of my score since XXXX XXXX. The fluctuation in my credit score with TransUnion started XXXX, XXXX. On XXXX my credit score drop from XXXX to XXXX a 30 point drop. My credit score increased to XXXX on XXXX. XXXXI made my complaint with CFPB on XX/XX/XXXX, and my credit score increased on XX/XX/XXXX by 33 points to XXXX. I thought I had everything fixed until I checked my score again and it had decreased again on XX/XX/XXXX. by an additional 34 point. It appears I had lost some additional point from XX/XX/XXXX XXXX XXXX, from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. After making a called to XXXX on XX/XX/XXXX. and being told I had duplicates credit reports my credit score went up 38 points on XX/XX/XXXX. to XXXX, it went up an additional 17 points on XX/XX/XXXX. to XXXX. It drop 4 points on XX/XX/XXXX. to XXXX. This is the problem, on XX/XX/XXXX, my score drop 69 points to XXXX for no apparent reason. The other credit bureau increase my score by 4 points on XX/XX/XXXX. Something is seriously wrong with TransUnion reporting model. I spoke with a customer service agent and her supervisor today, neither was able to explain the reason for the drop. The supervisor XXXX XXXX XXXX instructed me to write you all for help again. Thanks

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 2021-07-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
WE disputed a transaction, we received the item XXXX but it had missing parts, We told the company and they responded by saying we received the time, but we contacted PayPal, we told them we sent the item back. 
They refunded the money then later sent a letter in the mail saying we need to contact our credit card company. Paypal is under synchrony bank. That is who we pay each money. Below you will see the charge, They credit our account and took the money back. The company has their product we provided documentation that the item was sent back to the company. Synchrony bank refuse to give us our money back About XXXX We received notice that you disputed the following transaction with your financial institution or credit card company. 
Case ID XXXX Transaction Amount {$48.00} USD Dispute Amount {$48.00} USD Transaction ID XXXX Transaction Date XX/XX/2021 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 monetary relief