vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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 first submitted my dispute Transunion concerning the reporting on my XXXX XXXX account with Transunion in XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating they updated my account. I then pulled a new credit report on XX/XX/XXXX and noticed more inaccuracies and submitted another dispute on XX/XX/XXXX showing multiple charge offs after the account closing. On XX/XX/XXXX I received a response from XXXX XXXX that their reporting had been updated due to inaccuracies. On XX/XX/XXXX I pulled a copy of my credit report showing that the disputed charge offs had been removed, but that the dated updated had not changed. I then sent a letter to Transunion asking for the method of verification/investigation on XX/XX/XXXX as I do not believe that any investigation had been performed. On XX/XX/XXXX I received a letter from XXXX XXXX that states they have conducted an investigation and have updated my report but have not furnished any information relating to how they conducted their investigation. It has also been more that 30 days since the creditor has received my original dispute but no notice of dispute has been placed on my credit file.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

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 2020-08-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

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 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
I was sent an email quote of {$18000.00} for a new XXXX XXXX by XXXX XXXX XXXX XXXX XXXX of XXXX, AZ on XX/XX/2020. When I talked to the salesperson by telephone a few minutes later, he said the financed price would be {$22000.00}. That price included taxes and fees but did not include a {$1500.00} discount that was in the original quote. I agreed to purchase the car at the quoted price of {$18000.00} and was unaware at the time that the {$1500.00} discount originally quoted was removed from the financed price. 

The car was brought to my home the next day, XX/XX/XXXX, along with the sales and financing contracts ( Deal # XXXX ). Due to coronavirus, I signed and became obligated on my front porch with both me and the salesperson wearing masks and gloves. 

After I signed the sales and financing contracts, the salesman took all copies of the contracts with him and left my house. I was not given a copy of the contract when I signed. After I both emailed and phoned the dealership, the contract was finally sent by postal mail 11 days after I signed. 

I contacted the company twice by email and once by telephone on or about XX/XX/2020, a few days after receiving copies of the contracts and raised my concern about the {$1500.00} discount that was deleted from the financing contract. They did not respond to my emails. The contract copies I was sent were not signed by the dealership. 

I filed a complaint with my state Attorney General. XXXX XXXX acknowledged in their responses to the complaint that 1 ) I was quoted {$18000.00} ; 2 ) the {$1500.00} discount was removed from the financed price ; 3 ) " copies of the contract were not left at the time the vehicle was delivered to the customer 's home because they had to be returned to the dealership and signed by the Finance Manager ''. 

XXXX XXXX later revised their explanation about not giving me copies of the contracts to " the customer never requested their copies upon signing and delivery at their residence ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not  applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My husband, XXXX XXXX XXXX, passed away on XX/XX/2019 ; after his death I found several credit cards in that I did not sign up for - in my name. The credit card 's statements were being sent to one of my husband 's P.O. Boxes and I did not know about the credit cards. 

I have been contacting and informing the credit holders of the accounts fraudulently opened in my name ; in several instances the signature, handwriting, address, and phone number, were not mine, but were all of my late husband. Minimum payments were coming from my husbands accounts so he very well knew about it ; and evidently kept it hidden from me. 

After submitting a claim, Walmart/Synchrony Bank deduced that my husbands signature, address ( P.O. Box ), phone number are all mine, and I was an authorized employee on these accounts. I never knew I worked for my husband. Walmart/Synchrony Bank has now sent one of two accounts I did not open to debt collection.

I wish to petition the Consumer Financial Protection Agencys help in resolving this issue with Walmart/Synchrony Bank ; as their determinations are unjust. These accounts were fraudulently opened in my name, I've never seen the credit cards or statements - until my husband passed away. 

The account details are listed below : Walmart/Synchrony Bank XXXX. XXXX  XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance XXXX {$680.00} Walmart/Synchrony Bank XXXX. XXXX XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance :????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
My PenFed Visa card was used 9 times on XX/XX/20 for a total of {$180.00}. I am the only one in possession of this card, and I pay at the pump. On XX/XX/20, I spoke by phone to XXXX, ID # XXXX at PenFed lost & stolen office providing him with this info. I went over this again on XX/XX/20 with XXXX at member services. She referred me to XXXX at fraud where I left a voicemail and received no response. On XX/XX/20 I filled out the fraud report mailed to me by PenFed which erroneously listed 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I enclosed a note under comments and also enclosed a copy of my statement highlighting the 9 fraudulent charges. This was faxed to XXXX. On XX/XX/20, I spoke to XXXX, ID # XXXX, who said I was credited for the {$58.00} ( legit. charges ) but not the {$180.00} which were the fraudulent charges. XXXX said he had to add the {$58.00} back on and then have the {$180.00} credited. After receiving my latest statement, I saw that the matter still was not rectified. On XX/XX/20, I received an Email from XXXX XXXX from the fraud unit at PenFed which reflected that she did not have any knowledge of my issue and referred to something else. I can forward you her Email and my response. On XX/XX/20, I received a notification that my Email was read. On XX/XX/20, I spoke with XXXX at customer service, ID # XXXX, and supervisor XXXX XXXX at XXXX. XXXX. Although Mr. XXXX took down all of my information, nothing was accomplished. On XX/XX/20, I spoke to XXXX at ext. XXXX, who stated that the 4 valid charges totaling {$58.00} would be put back on my statement, which they were, and that she would forward my concern about the {$180.00} to the proper people. On XX/XX/20 I filled out another fraud report mailed to me by PenFed which again erroneously listed the 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I faxed another explanation along with supporting documents. No resolution to date.

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 2020-08-18 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: LoanCare, LLC
State: NJ

Complaint narrative:
I have a loan with LOANCARE, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-18 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a loan with XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have a loan with DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank, N.A. is double-reporting one account to XXXX. I have a revolving credit card with a credit limit of {$34000.00} and a balance of {$10000.00}. I received an alert that my credit score with XXXX went down 43 points overnight. I pulled my credit report and saw that Chase Bank is improperly reporting this account twice - and therefore my credit usage and new accounts opened in a short period of time is negatively impacting my credit score. 

I am in the process of buying a new home, and this false reporting may potentially have an adverse effect on me. I demand this be fixed immediately and documentation provided to me by Chase bank within the prescribed period of time under FCRA to evidence this has been remediated. 

Additionally, Chase does not give clients the option to dispute a credit reporting error via the phone or via email. They expect consumers to mail a dispute to their processing center and wait for 30 days for a response. Absolutely ridiculous that Chase does not provide for an automated solution to fix errors due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN with no successful resolution. There was definitely an error on their part.

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