vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
My mother passed away XXXX XXXX XXXX due to XXXX. She had ACH payment setup to Specialized Loan Servicing to come out on the XXXX or XXXX of every month from her XXXX XXXX XXXX bank account since XXXX. When she passed away her house went into probate and I became the administrator of her account on XX/XX/XXXX. Once I was her administrator for her Estate I received a statement from the lender on XX/XX/XXXX. This statement claimed that she had missed 5 months worth of mortgage payments. 

XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} Total Unpaid Fees : {$6100.00} I made this payment of {$6100.00} on XX/XX/XXXX. Once the late payments were current the lender couldn't continue the foreclosure process. 
As I slowly began gathering more of my mother 's accounts I learned from her bank statements that the payment for XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$1100.00} had been made. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX ACH withdrawal Specialized loan XX/XX/XXXX XXXX ACH withdrawal Specialized loan These payments had been taken out on the provided dates above. The bank account was charged off on XX/XX/XXXX. 

When I informed SLS of their mistake they denied it every time I called excepted once on XX/XX/XXXX I spoke to XXXX who confirmed I was correct but nothing came of it. Even after I provided proof of payment they claimed that the ACH was reversed on XX/XX/XXXX. 

I received an automated email from them giving me a breakdown of my mom 's payment history. On that breakdown there is 2 payment reversals that occurred on XX/XX/XXXX by their own documentation. 

None of these reversals are reflected on any of the XXXX XXXX XXXX bank statements. When calling the representative from XXXX XXXX XXXX it was clear to them that none of these reversed payments happened. The XXXX XXXX XXXX confirmed that the account was charged off without any action on their side in regards to reversing payments on XX/XX/XXXX. 

Therefore this leads me to believe that SLS intentionally reversed XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX to create a foreclosure process. FIVE days after the bank account was charged off by XXXX XXXX XXXX. 

I've provided all the documentation needed to move this case forward. 

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 explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022 my debit card was used to withdraw {$900.00} in XXXX Nevada. I live in XXXX. I didnt give authorization on the stolen debit card to be used by anyone. Capital One denied my dispute to return the funds to my account even though it happened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was open XX/XX/XXXX I paid the amount I owed for a deletions off my report on XX/XX/XXXX. After that they still reported my account as a collection so I disputed the account on XX/XX/XXXX saying its inaccurate. The response was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was open XX/XX/XXXX I paid the amount I owed for a deletions off my report on XX/XX/XXXX. After that they still reported my account as a collection so I disputed the account on XX/XX/XXXX saying its inaccurate. The response was on XX/XX/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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime can not fix a problem they have transferring money to an external bank. They have nobody that answers the phone that can fix the problem. They are passing the buck telling me its a problem with my external account. That is not the problem. The problem is they are unable to fix the way they have my account coded in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed several accounts with Transunion numerous times due to the accounts being fraudulent. I have attached a copy of dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. If an automated system is used for verification I DO NOT CONSENT to this method and request for deletion of these fraudulent accounts. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft.

( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX, on XX/XX/2022 I deposited a check in the amount of {$7900.00}, issued by XXXX XXXX XXXX to myself and XXXX XXXX. A few days later I attempted to use my debit card, but the transaction was declined. I called customer service and to my surprise I learned that my account had been frozen because the check I deposited hadnt been signed by XXXX XXXX. Ive spoken with several customer service agents via phone, Ive visited my local branch several times to get this matter resolved. XXXX XXXX XXXX cant stop payment on the because it has already cleared, Ive done a conference call with Capital One and XXXX XXXX XXXX, Capital One still refuses to provide a legal/ substitute copy of the check, so that XXXX XXXX  can sign off and the funds can be released. 

Ive spoke to XXXX XXXX  and the stated that it is a fairly simple process, they dont understand why Capital One is make this so difficult. 

I have been a loyal patron of Capital One bank for the last 18 years, and my hope is that one of you will assist me in this matter, and finally get it resolved. 

If you have any further questions free to contact me at XXXX. I look forward to working with you in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I make my monthly payments of {$180.00} in advance of the due date starting on XX/XX/XXXX. I have sent them 7 payments. I received an email stating my XX/XX/XXXX was late. I confirmed they have received 7monthly payments, but 2 payments were applied in XX/XX/XXXX. Ally Financial states they can not adjust the prepaid payment to credit XX/XX/XXXX. I have to send another payment. 

This is the most absurd policy I have heard. Penalize someone for paying in advance?

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 2022-05-13 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:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to Trans Union disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to Trans Union on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX XXXX and causing me to pay XXXX more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

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 2022-05-13 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: GA

Complaint narrative:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: MS

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX .XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX failed to inform me of balances owed after two appointments before sending the debt to collections, resulting in a negative impact on my credit score. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX sent two bills to collections in the amount of {$370.00} for services between XX/XX/XXXX and XX/XX/XXXX. At no point did I receive a paper bill, nor did they attempt to contact me by phone, email, or their patient portal before sending it to collections. The hospital maintains a patient portal where outstanding balances can be paid, through which I have paid other bills, and neither of these charges was listed. The provider also had ample opportunity to inform me that I had an outstanding balance when I scheduled later appointments with the same office, and they did not mention it then. 

I received notification of this debt when ACEI placed a notice on my credit report in XX/XX/XXXX, causing me to lose XXXX points on my credit score. 

I have settled this debt with XXXX XXXX XXXX as of XX/XX/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 2022-05-13 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Please find the attachments that are in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied in person for a XXXX XXXX credit card ( through comenity bank ). I knew I had a freeze on XXXX and asked the girl if they pulled through them as I still hadnt lifted the freeze. She did not know and proceed with the application. She stated I would receive a letter in the mail. I assumed that meant a decline or it was affected by credit freeze, since I know that if it was Approved I would have been notified right there. I waited 5 days for the freeze to be officially lifted. I received no notification from the bureau that an inquiry had been made, so I reapplied online XX/XX/XXXX. It said I would receive a letter in the mail. When I got the letter XX/XX/XXXX in the mail it said that they could " not process any additional applications received within 30 days of a previous application ''. I called Comenity Bank the week of XX/XX/XXXX and the gentleman confirmed they could not review the request within 30 days and also stated the application made XXXX in person was incomplete. My bureau does not show an inquiry made XXXX since the freeze was active. I never received any adverse action for a declination. My credit was pulled XX/XX/XXXX. I do not believe there should be a hard inquiry made if they cant accept an application. I believe that an adverse action should have been provided, or no credit hit. My score is high. There are 0 delinquencies. There is no reason to decline. The first application was not only incomplete per Comenity, but there was no credit pull therefore its not a complete application. I feel this is a violation of credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.

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