vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
SIM card swap fraud stole XXXX from my Bank of America account using XXXX. Been corresponding non stop with Bank of America who initially denied the transaction as fraud due tot he fact that we use XXXX and that XXXX uses a phone confirmation to approve the transaction. After multiple calls and visits to the XXXX store that I purchased my new phone from ( who I believe is responsible for stealing the money bc the guy told me there was no SIM card in my old phone and like a buffoon, bc I knew there was, I just let him keep it ) found out during the time the money was transferred, there was a sim swap from my new phone to my old phone. Long story longer, I resubmitted the fraud claim with Bank of America as they instructed by faxing over the sim swap fraud info from XXXX and whatever else they asked for. They received the info and said We should have a response between XX/XX/XXXX and XX/XX/XXXX. I did call them multiple times within this time period to try to get updates, at which time they told me there was no way to connect with the part of the company that manages these issues as there are no phone numbers to reach them. A couple times the customer service person was able to connect with this part of the company and confirm they in fact has my info and were working on it ( I guess ). XXXX has come and gone and still nothing. Ive called several times since XX/XX/XXXX and was told various things ; weve done our part and are Now waiting for the recipients bank ( XXXX XXXX ) to investigate it and try To get your money back and also, we have no way of finding out where in the investigation they are. They will get back to you once its settled. So this is multi layered and very upsetting. The local police dept cant do anything bc they just dont have the capacity to investigate these things ( although I did file a police report ). The police dept in the town that the XXXX store is in says to wait until my money is returned before I file a report so not to impede upon us getting our money back. The XXXX guy who stole from me ( I have more details about how obvious this is ) and bank Of America giving me the run around about getting me my money back. I need help. Its super frustrating and upsetting that I was stolen from ( and a healthy amount of money at that ) and i feel helpless and like I am the person that did something wrong. Its so upsetting

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX yr CD that has reached maturity with Synchrony Bank and they are telling me they have a policy that will take XXXX or XXXX business days in order to DECIDE whether or not to honor my REQUEST to get my funds sent back to my XXXX bank account via XXXX transfer. Then it will take XXXX XXXX days for the XXXX transfer ... yikes! 

I have read online that Synchrony is under investigation for false claims and " flagging '' CD accounts as FRAUD in order to keep people 's money for months ... interest free ... instead of returning people 's money to them... 

I called CFPB about this and was told to call XXXX Rules which I did. THEY told me to call FDIC, which I did and was told to call CFPB! 

So, I don't know what to do. There doesn't seem to be any kind of XXXX XXXX or tracking of XXXX transfers, and I am afraid my account still shows that it is in the grace period and not closed and NOT on its way back to me! 

This scares me because this money IS my retirement!

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off a XXXX kids store credit card which is XXXX Bank. I paid off a late fee which was a balance over the phone which the service adviser helped figure those numbers then requested to close the account. The next month I received a balance again and I ignored knowing that I had paid the balance and closed the account based on what the adviser said I owed and now XXXX months later I owe {$95.00} dollars just on late fees and interest. This is unacceptable and I need help so it doesnt affect my credit XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I opens up my Clarity credit report and found multiple incorrect information

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed many letters to Experian, XXXX and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed many letters to XXXX, Transunion and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed many letters to XXXX, XXXX and Equifax about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well

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 2023-06-02 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: OH

Complaint narrative:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX XXXX XXXX All reports XXXX XXXX XXXX Montgomery- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX-error XXXX XXXX All reports XXXX XXXX XXXX XXXX XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am being told by chase JP MORGAN that the derogatory issues on my account will not be romoved as they said it would be in XXXX after the late payments. I explained I had XXXX during this time and they said they would ensure it was not listed as late. Trying to get house refinanced. I found out that CHASE JP MORGAN intentionally reported the derogatory remarks and refuses to remove it. I am XXXX at XXXX and Chase JP MORGAN wants to keep my fico score low so they can charge more money for interest rates. As a XXXX white male I feel I am Chase JP MORGAN is doing this to further handicap me. Today I spoke with XXXX who specifically said NO CHASE WILL NOT REMOVE THE LATE MARKS ON MY CREDIT REPORT. when I brought up the XXXX XXXX cares act every employee acted as if they were not concerned of the federal government. In fact one employee said they were larger thean the government that they will do what they want. Later A lady XXXX at XXXX with Chase JP MORGAN who wanted to argue the fact I acciddently registered a claim in my wifes name. They knew who the complaint was from but was calling wanting the claim pulled because as she alured to is that it makes them look bad. I am not asking for anything no other credit card company has done in the past, which is submit a bisput to the agencys to remove the derogatory statement. If I was not handicap/disabled I feel CHASE JP MORGAN would treat me differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
Getting repeated emails and a letter from A.R.M.Solutions Inc that we have not paid our yearly subscription fee for the XXXX XXXX XXXX XXXX XXXX newspaper. However, we have a monthly, up to date, automatic deduction subscription payment, rather than a yearly subscription fee. A.R. M. are scam artists ( as evidenced by other complaints against them ) trying to make us pay bill we do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
So my identity was stolen someone took out a fraudulent loan under my information with Rocket loan company. I reported it to the police and the fbi I mailed the report to rocket loan and called them. They refuse to clear the name and still demand I pay them when I didnt authorize the loan or them to access my bank or social. They do not help me and I have no option but to look into legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I recently asked Bank of America to close my Checking Account and I received two different account closure statements in the mail. 

One was my original account ( XXXX XXXX XXXX  XXXX ) with the accurate transactions. 

The other also had my name, my current address, and it was an account # I was not familiar with, and an account type I had never opened XXXX XXXX  XXXX XXXX XXXXXXXX ), with multiple transactions to varying people I didn't recognize.

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to XXXX XXXX XXXX XXXX. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, XXXX XXXX XXXX XXXX has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt. 

I firmly believe that XXXX XXXX XXXX XXXX has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: NC

Complaint narrative:
XX/XX/23 FJS Global contacted me in regards to a debt I supposedly still owe, which would be over XXXX XXXX XXXX at this point. They stated that I there had been written notices sent about the debt, which I have never received, nor ever been contacted about before. 

I was threatened with wage garnishment and being served at my home or place of employment by a process server.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Kikoff Inc.
State: CA

Complaint narrative:
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank experienced a technical bug on Thursday, XX/XX/XXXX, which resulted in duplicate charges and transactions. Like most people who this bug affected, I woke up on XX/XX/XXXX to see I was withdrawn and in the negative. My XXXX payment was submitted twice. There is no way to reverse this charge on my own or get my money back until Chase fixes the bug on their end. Chase did not notify anyone of this egregious error for almost 15 hours after the incident happened, and they only posted a brief update on XXXX this morning around XXXX XXXX XXXX XXXX. They updated the website with a header notification alerting people of the issue but did not post any sort of notice on the mobile app. First they said the issue would be fixed within a few hours, then they updated to 24 hours, and now some Chase reps are saying it could take up to 5 business days to get money put back into my account. This conveniently happened on the day that rent and other major bills are due, and Chase is not communicating to anyone with updates about this process. Nobody knows when we will stop being overdrawn. Utility and bill companies are charging extra fees because payments bounced because chase took all of our money. They arent giving anyone any more information. In fact, they are deleting comments asking if and when we are going to get the money and what Chase is going to do about this huge liability issue. Millions of people are very furious right now and stuck without the ability to get groceries or even go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
When I attended this school, I was placed on a academic probation due to me failing classes. After I was placed on the probation they allowed me to choose my schedule and also choose my room and move in. I went and checked with the XXXX XXXX and they told me everything was fine and I should be receiving a refund. When it became closer to the time to receive a refund I received a email stating that I have to move out of my dorm and Im being kicked off campus. Further more once a week passed by my schedule dropped on its own and no one could give me an explanation. About a month later a couple of the workers inside of financial aid were fired due to stealing money from the school. So after that I had no one to talk to about the situation which is the reason why my life is in shambles now. Everything I have worked for in college all went to waste due to lack of service from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
According to my recent review of the credit report provided by your agency, there are items that I believe are incorrect and require immediate attention. I kindly request that you investigate and rectify these errors as per my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
Flagstar Bank, and other banks it seems ( XXXX XXXX has similary policy that appears in XXXX search (, have a policy of requiring to be sent certified funds or through XXXX XXXX after 2 or more returned payments. They require it for 6 months. XXXX just enacted this policy for me after I missed 3 payments due to financial issue, and frankly negligence of becoming overly reliant on automatic transfers. 

This practice imposes a severe hardship on consumers in XXXX, where virtually everything is electronic. Going to a bank or XXXX XXXX is not feasible for many, and not practical for anyone. It increases the risk consumers will default on their loans by in fact making it more difficult to pay. More importantly, the legal contract for the mortgage does not allow this a remedy. They have a remedies for returned funds : charge late fees, and/or foreclose. Both of those remedies are spelled in the promissory note, requiring payment in certified funds or through XXXX XXXX is not. 

For individuals, living in rural XXXX, there may be no bank or XXXX XXXX within hours. However, they may have XXXX or other cash transfer apps, or the internet where cash is transferred everyday. For XXXX ( and other banks ) to limit the vast array of payment options when consumers are struggling is wrong, and I'm concerned illegal which is why I'm filing this complaint. 

I was informed today XX/XX/XXXX of this practice.

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