vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Please see my attached identity theft report. I have already disputed this account due to it being fraudulent, unauthorized and a violation of FDRA, and TILA. This company is unlawfully operating and illegally communicating and publishing inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: NY

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding an incident that occurred on XX/XX/XXXX, which resulted in unauthorized charges that caused my account to overdraft. Despite my efforts to resolve the matter directly with Chase Bank, I believe that my concerns have not been adequately addressed, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this issue. 
On XX/XX/XXXX, I noticed several unauthorized charges on my Chase Bank account. These charges were made without my consent or knowledge, and they resulted in my account being overdrawn. 

Immediately upon discovering these unauthorized charges, I contacted Chase Bank 's customer service department to report the issue and dispute the charges. I provided all the necessary information and documentation to support my claim that these charges done on XX/XX/XXXX were unauthorized. 

When i filed my dispute I was assured by a customer service representative that an investigation would be conducted and a temporary credit will be posted to my account while they conduct the investigation. but that did NOT happen, i never received a temporary credit while dispute i filed was being investigated. 

I have not been able to use my account or have access to my money that was taken since this incident because they would not provide a credit like they said they would. 

Despite the assurance of an investigation, I have not received any resolutions from Chase Bank regarding the unauthorized charges. 
The charges made on XX/XX/XXXX Were unauthorized. 
I been trying to get this account resolved for over a month. 
Furthermore, I continue to incur overdraft fees and other financial hardships as a result of this incident. 
I should not be held accountable for charges i did NOT make. 

I believe that Chase Bank 's handling of this matter is in violation of my consumer rights and the regulations set forth by the CFPB. I have made every effort to resolve this issue through direct communication with the bank, but their lack of responsiveness and inaction has left me with no choice but to escalate this complaint to the CFPB for assistance and intervention. 
I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the unauthorized charges on my account. I am seeking a full refund of the unauthorized charges, as well as the reimbursement of any associated fees or penalties incurred due to this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

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 2023-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: UNITED FIDELITY FUNDING, CORP
State: VA

Complaint narrative:
This company is located in XXXX  XXXX Missouri. They ran my credit back in XXXX of 2023. I was pre-approval for {$280000.00}. The home that I found was originally at {$230000.00}. So my agent suggested that I go in higher to get ratified. I was ratified for the home. The lender never locked in a rate for me when I asked him several times. The lenders kept saying that they saw XXXX and judgements from medical bills. Which was not true. I had it in collections and its {$1100.00}. He also delayed the closing to XXXX. He and his company personnel kept trying to get other personal information about me and kept calling the Title officer. The lender needed more information about my income and so I gave him the necessary information. Then he tells me that I needed to get appraisal done. He asked for my debit card information. I gave him the card and he charged my card {$610.00}. Dollars. Last Friday on XX/XX/2023. XXXX XXXX delayed to tell me that we can not do this loan and wanted more money for closing. I believe that he never wanted to give a FHA loan. United Fidelity Express XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing is refusing to disburse funds provided by Insurance company and deposited with SPS Servicing to repair home.

Homeowner has done significant repairs for fire damage at homeowners own funds and some funds disbursed by Select Portfolio Servicing.

SPS servicing is not disbursing additional funds while collecting interest on the monies they hold while homeowner can not occupy property and forced to continue to pay mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 my close friend XXXX XXXX received his IRS refund check in the amount of {$24000.00} VIA check which was issued from XXXX XXXX. XXXX XXXX signed his check over to me and I deposited his check into my Chase Checking Account. After depositing this check that was received from XXXX XXXX XXXX XXXX XXXX, Chase bank then closed my account. I immediately contacted Chase bank to get an understanding of what caused my Checking account to be closed, a Chase Bank representative stated that XXXX XXXX contacted Chase Fraud Department and allegedly confirmed that the check issued from your bank ( XXXX ), that was deposited into my account was fraud. Since XX/XX/2023 I have spoken with 3 different representatives from XXXX XXXX in which each representative stated that no one from XXXX XXXX has never contacted Chase, Nor has no one from XXXX XXXX made statements or allegations that the check received from XXXX XXXX  was Fraud. XXXX XXXX is insisting that everything looks good on their end and that the dispute is with chase and that they dont understand why chase is holding my money. To furthermore add XXXX XXXX has contacted the IRS and they have also stated everything is good on their end and that they dont understand why chase is holding my money. I have tried to contact chase multiple times and have been getting the run around throughout this whole ordeal and each time I talk to a representative its a different reason why my money is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Yesterday XX/XX/XXXX I went on the my mobile bank account and was looking at how much money I have, but today XX/XX/XXXX I looked and it was wiped clean with {$0.00} in my account I called they said it was closed and had no history I explained to them over the phone and went to the branch that I have a bank statement saying I make deposits every week at XXXX atm and that I had XXXX in my account and they are saying it was closed and have no records on that saving account I was at work and could not bring them the statements till after work and now they are closed been on the phone for 1 hour trying to get some answers and no one know and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my 2nd written notice trying to resolve this issue before further action. I attached a document with all details. I have not received any legal proof that these accounts are verified accurate.

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 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I reached out to GM Financial because I have been noticing that my account wasnt showing up in my credit reports showing my on time payments s to help increase my score. I asked the representative, why wasnt it being reported and she told me at first the do report every thirty day to credit bureau. Not until when I asked the question, if they ONLY report accounts that are thirty days past due to the credit bureau. The representative can back and corrected the information she gave me prior, stating that they ONLY reported delinquent accounts and the account once it has been paid and closed. I then proceeded to tell her that doesnt help my credit at all but merely hurts it once closed it will drop my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AL

Complaint narrative:
Multiple attempts via the lenders website contact info have been made to obtain credentials to login. 

Combined time of 3 hours on hold, their callback service has never called back, they make chat unavailable. They do not email me my username or make it possible to login to set up payments. 

I am at a loss as to how to contact this company to make on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, My son, XXXX XXXX, XXXX XXXX XXXX, and I purchased a townhouse located in XXXX, VA, XXXX with a loan from XXXX XXXX XXXX. I put down 20 % and XXXX XXXX provided the 80 % as loan. This loan was later purchased by Chase. On XX/XX/XXXX, XXXX XXXX and I, ( known as Buyers ), submitted an application to assume loan for the property with the purpose of relieving XXXX XXXX XXXX ( known as Seller ) from this loan obligation. The application clearly states that XXXX XXXX is the occupier of the said property and I reside at another property. On XX/XX/XXXX, Chase sent a letter requesting several documents that we spent several days to collected and provided. Sometime between XX/XX/XXXX and XX/XX/XXXX, someone named XXXX from Chase called to request additional documents, which we also provided. On XX/XX/XXXX, Chase sent another letter to request more documents which we completed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter rejecting our application to assume Loan which we are both originally on. The reason for rejection is Property not occupied by all borrowers. 
Again, both XXXX and I are on the original loan, we just ask to remove XXXX XXXX to fulfill her wish. We have not missed or been late on a single payment even after XXXX XXXX moved out in XX/XX/XXXX. We are both employed with steady income. The income presented to Chase along with our credit score and my asset prove that we are more than qualified to assume our own loan. Moreover, when we purchased this property in XX/XX/XXXX, I stated I do not live in the property when applying for the loan and it was approved. Upon several conversation with Chase and ask to reconsider their decision, Chase continues to stand by their decision which I feel it's an unfair practice and somewhat prejudice against our ethnicity or background.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank discriminated against me for extension of credit. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I mail a disputed letter of no knowledge to debt to the requesting Agreement with the claimant Agreement the bears the signature which agreed to pay creditor Any insurance documents, Date original date of charge off/delinquency Verification that this debt was assigned or sold to collector. 
Complete account of alleged debt I haven't received any of the documents listed above. 
XX/XX/XXXXXXXX  I resend another letter notarized and certified mail with USPS requesting for the documents of proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Synovus Bank
State: FL

Complaint narrative:
Have started noticing an account named Synovus which is not mine, I'd like to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-05 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Back in XXXX I had a charge from XXXX in the amount of {$470.00}. Called the bank reported it wasn't authorized and that it was fraud. Went through the steps to dispute via phone. Apparently about 6 weeks later they state they had sent a mailing to me requesting more info ( never received ). Time goes on I notice the amount is withdrawn from my account again. They told me to submit the email in which I had reached out to them which I did. The email is a confirmation of the conversation had with an agent. I had replied back to the email with further information. They are now stating that they don't have enough info. Fast forward, they still want do anything as my card was compromised again, this time the elect to send me a new card. There is now a trend of my card getting hacked on social media sites with the most recent one being XXXX. Huntington is still refusing to do anything with the initial charge of {$470.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a credit card in the mail showing that a credit card account had been opened without me knowing. I called on XX/XX/2023 And filed a fraudulent card ask that it be closing everything removed regarding this card. On XXXX I received a phone call saying they were working on it and investigating and that everything would be fixed if they found it was actually fraudulent. However the account had not been closed. I am concerned about how this is being handled and that they will not properly correct this. I want no record of this card on my credit or anywhere as I did not agree to this.

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