vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am aware I was violated too many times to count. As a natural person who is federally protected. I am notifying you that you have helped damage my name and my reputation and my life due to financial burdens that you have chosen to ignore and overpass negligently. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such. The truth and lending 15 U.S. Code 1607- Administrative enforcement- " ( C ) a willful violation which was intended to mislead the person to whom the credit was extended. Notwithstanding the preceding sentence, except where such disclosure error resulted from a willful violation which was intended to mislead the person to whom credit was extended, an agency need not require such an adjustment if it determines that such disclosure error -- ( A ) resulted from an error involving the disclosure of a fee or charge that would otherwise be excludable in computing the finance charge, including but not limited to violations involving the disclosures described in sections 106 ( b ), ( c ) and ( d ) of this title, in which event the agency may require such remedial action as it determines to be equitable, except that for transactions consummated after two years after XX/XX/1980, such an adjustment shall be ordered for violations of section 106 ( b ) ; '' With that in mind, YOU HAVE VIOLATED MY RIGHTS AND ABUSED YOUR USE OT ACCOUNT ACCESS AND WITHDRAWALS AND FINANCE CHARGES.

Directly quoted from YOU standards of overdrafts fees : " We wont charge an Insufficient Funds Fee if your account balance is overdrawn by {$50.00} or less at the end of the business day.

We wont charge for item ( s ) that are {$5.00} or less, even if your account balance is overdrawn by more than {$50.00} at the end of the business day.

We wont charge an Insufficient Funds Fee if your available balance was sufficient at the time your debit card transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for payment. '' You have throughout my time of using your corporation have charged me overdraft fees that you were not legally supposed to charge. I am requesting all overdraft fees be refunded by to my account. My account has been charged when less than {$50.00} has been over drafted and SO MANY RIGHTS that have been violated using YOUR standard overdraft protections according to the FDIC and TILA.

As per congress, you violated me, your corporation is criminally liable pursuant 15 usc 1611 because your corporation willing knew that you were complying to a transaction that is fraud.

I am demanding the following : - refund and return all the overdrafts that was charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as past due balance. I do not know this company, I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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:
THIS COMPANY IS FAILING TO PROPERLY ACCOUNT FOR LOAN PAYMENTS THAT ARE APPLIED TO THE PRINCIPAL OF THE LOAN. YOU HAVE TO WAIT FOR AN EXCESIVE AMOUNT OF TIME FOR BRIDGECREST TO APPLY THE AMOUNTS TO THE PRINCIPAL WHICH MAY CAUSE A DELAY IN PROPERLY APPLYING ACTUAL PERIODIC LOAN PAYMENTS TO THE LOAN. WHEN THEY ARE CONTACTED, THEY CONTINUE TO FAIL AT APPLYING THE AMOUNT PROPERLY AND CORRECTING THEIR ERRORS. THIS COMPANY NEEDS TO BE FINED AND PAY PENALTIES FOR THEIR OUTRAGEOUS PRACTICIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
My problem is with getting errors corrected on my Experian report. I have been denied credit twice within the past two months based on information from Experian. XXXX XXXX denied a credit card application and I was denied financing a smartphone with XXXX, too. Both companies stated an open bankruptcy case listed in my Experian report was the reason for the rejection. My XXXX and XXXX reports are mostly accurate. Though, Experian incorrectly shows that I have an open Chapter XXXX personal bankruptcy case and omits the fact that I've had an auto loan in good standing with XXXX XXXX since XXXX of XXXX. My credit score with Experian is about 90 points lower than the scores from XXXX and XXXX. 

I filed a dispute about the inaccurate personal bankruptcy listing with Experian. In XXXX, I filed a Chapter XXXX bankruptcy case, but we withdrew and the case was dismissed later in XXXX. After encountering numerous errors on the Experian website 's upload feature, I finally uploaded information from the federal bankruptcy court 's PACER system that clearly states the case was dismissed in XXXX. Nevertherless, ONLY Experian continues to show the case is still open. I called Experian on XX/XX/XXXX and spoke to " XXXX '' in consumer service. XXXX placed the blame for the wrong case status on information provided by XXXX. I have requested my consumer file information from XXXX, but have to wait because the report is only available by US Postal Service mail XXXX not electronically. I have been unable to find any way to file a dispute with XXXX. I provided Experian evidence the case is dismissed and closed and I want their error corrected immediately. 

Regarding my omitted auto loan, there is no method for adding or disputing missing accounts on the Experian website. On XX/XX/XXXX, I performed an online chat with an Experian representative who insisted that I had to call Experian to discuss the matter. So, I called on XX/XX/XXXX and discussed the missing information. The representative placed the blame on XXXX XXXX. I know this is not true, because my auto loan account appears on XXXX and Experian reports and is accurately updated every quarter. The same day, I called XXXX XXXX customer service and was advised that my pay history is sent to Experian at the same time it is sent to XXXX and XXXX. I requested XXXX to send my account history to Experian again. The XXXX XXXX account still has not shown up on my Experian report. I want my auto loan and excellent payment history notated in my credit file at Experian immediately.

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 2021-09-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it to Equifax Credit Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous late open accounts reporting on my Credit Report : XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I purchased cryptocurrency from crypto.com back in XXXX. Charge was made to my bank account but they didnt send me coins so I contacted to customer service. I didnt hear from them so I decided to dispute. Little while later, they froze my crypto account so I couldnt access to my asset for almost two months. I contacted to customer service again and they said the dispute was problem. I was told coin I didnt received was credited but I disputed so they froze my account. I didnt know they credited because I couldnt access to my account! So I had no choice but cancel the dispute. They finally unfroze my account and I found out they took the coin they credited. I already canceled dispute so I told them I want either coin back or refund. I provided the proof of the cancellation the bank gave me. But they kept saying that they accepted the chargeback so I have to ask my bank to release the funds. I called bank but they said chargeback or refund or money back are all go straight to my account. Bank dont hold the money and they dont even see any money came from crypto.com. I told them that but they are just keep saying they already accepted the chargeback so they cant assist further. Im still fighting with them but I need someone elses help. I dont thin my theyll give my money back.

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
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 my vehicle was broken into. The thieves got a hold of my expired credit card that shouldnt have been able to work. The thieves then went to my local XXXX Gas Station was were able to make a transaction of {$77.00} with an expired credit card. After they crossed the street to a XXXX XXXX store where they tried making a purchase of {$56.00}. The second transaction was finally Red Flagged by Chase Banking and not allowed. However the first transaction went through. I called Chase Banking to inform the transaction was fraud/unauthorized. Weeks later Chase came to the conclusion the transaction was Valid because I benefited from the purchase. I then requested a revaluation of the disputed in which they are sticking to their decision. Ive never missed a payment on my 3 credit cards with chase always been in good standing and this is how they treat a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX 14 times showing that my credit is perfect and 14 times USAA states to XXXX that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. ( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired Police Officer and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact Experian and clear this matter at one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
these accounts that appear on my credit report do not belong to me, and are hurting me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

SEQUIUM ASSET SOLUTION Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
This company has randomly placed an escrow account for my homeowners insurance as well as property taxes. This step was never requested by me nor anyone acting on my behalf. 

In my attempts to rectify this situation over the last 6 months I have called no less than 8 times, spoken with dozens of staff members, sent the required paperwork over and over, and no one seems capable or willing to making this seemingly simple correction. 

As a result of this companys ineptitude, my mortgage payments are not being applied and I am being harassed by your collections people. This is inexcusable.

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 2021-09-10 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
There are 2 fraud accounts on my credit. The first account is XXXX XXXX and the second account is Sunrise Credit Services. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting XXXX, they have some one else information linked to my name and social. 
In reference to Sunrise Credit Services, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.

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 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
MBA Law At XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notice in the amount of XXXX. Seeing the collection has been reported as past due I do not know this company. I have never done any business with this company, this company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
They are constantly lying about where they got information and how items were verified. I have advised them that they are not mine and they are steady saying items are verified by XXXX XXXX. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 7 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. They are constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information and from the courts stating they do not provide that information. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX has already removed these items. This has been going on since XXXX and I have filed numerous complaints. I have now went to the XXXX  and FTC and my states attorney.

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 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$580.00} date assigned XX/XX/2019. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2021 I got a phone call from someone claiming to be from XXXX saying my account had been fraudulent used. 
The incoming number was XXXX. 
They had me download 2 apps one called XXXX and the called XXXX. 
I foolishly believed them and did give them my bank info so they could fix the problem. 
Everything seemed ok but later that day my bank account was emptied of {$5000.00} Dollars leaving with with a deficit of {$1500.00}

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 explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I am attaching a FTC Report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Fusion Auto Finance
State: NY

Complaint narrative:
I applied for financing thru my Credit Union ( XXXX  ) and was approved I then informed the leasing agent ( Fusion/XXXX  ) that I was approved for a loan by Affinity and explained the next steps I would need to continue to buy out my lease. Fusion told me if I go that route I would be charged fees due to the length it would take to process the buy out not going directly thru them. 
Fusion gave me the lease buy out letter. 
I then fwd the buy out as per the request from XXXX  I gave XXXX  a call a few days later and was told that Fusion was refusing to accept checks to buy out leases ( while charging extending lease fees ) from XXXX  directly anymore and they were going to have a meeting ( XXXX  and Fusion ) to discuss this. 
I gave XXXX a call a week later and was told to deal with Fusion directly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation