vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, we got a call by the Chase bank on XX/XX/XXXX that they has cashed an IRS check dated XX/XX/XXXX for XXXX ( our company tax return check ) and advise we contact IRS to reissue a check to us. IN the phone call, they provide us with the check number and issuer and the person who cashed the check. 

We had reach out to IRS through our company accountant and submitted a 3911 from and follow up on the re-issued check since then. We have follow up twice on XX/XX/XXXX and XX/XX/XXXX We had finally received a respond from IRS that the check has been cashed, so the case is closed on XX/XX/XXXX. 

We have reached out to Chase and the branch manager search their record and shows the account has been closed by chase and flagged as account with suspicious activity back in XXXX and not active. I was advise they can't further assist me since I don't have an account with them. 

Chase has cash a government check that is not negotiable to a person that is not my name and is not responding to my request to have any further clarification or assistant, and said the only check issuer ( IRS ) can request information on this matter. 
It is my understand IRS will not act on this if they never report this to IRS as a check that has issue. 

Please let me know if you can assist us since we have not getting any

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TX

Complaint narrative:
Experian is refusing to comply with the proper process to remove information from my credit report that does not belong to me. I sent in all of the information and documents required by law and they are trying to make their own rules.

There is a fraudulent account reporting to my credit report by a company by the name of XXXX XXXX. 

I have never heard of this company before. I have never heard from this company before. I have never communicated with this company. 

However, after submitting the proper documents to Experian, they are trying to keep this damaging information on my credit report instead of removing it. 

I have suffered enough damages by Experian allowing this company to put this on my credit report and the account does NOT belong to me. 

The USPS Tracking number XXXX shows that Experian received all of the required documents on XX/XX/XXXX. Today is the 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 2023-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
Closed on new VA Home loan and assumption on XX/XX/2023. Included in my closing docs was a letter stating my mortgage was being transferred to Loan Care LLC and my XX/XX/XXXX payment should be made to them. The problem is that Loan Care had this security / ransomware event and thus, they have no record of my loan. 

In addition, I am a XXXX XXXX XXXX XXXX  and trying to get Escrow fixed due to lack of property taxes in Florida. I cant do anything as they have no record of me. 

I can't pay anything to them because there is no record of the mortgage itself. The originating lender ( XXXXXXXX XXXX  ) has been no help since they transferred the loan to them. All my calls to Loan Care ( after waiting hours ) have been no help as they state to just keep checking back. Loan Care has no email address to send anything to them. Not sure where to go from here but wanted it documented somewhere.

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 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I paid my Bank of America mortgage electronically on XX/XX/2023. 
It was posted to my XXXX XXXX XXXX XXXX account on XX/XX/2023 for twice what I authorized.

I called BOA and submitted the requested documentation.

I only received an automated response, I waited 5 days ( they stated 3 days for a resolution. ) Called on day 5 I was told I had been denied because I did not supplied the required documentation. I spoke with a supervisor who made a three way phone call with my bank. She stated that BOA did have the 2nd payment, it had cleared and she was bringing everything to her supervisor that day. The normal processing time was 24-48 hours and that my monies would be refunded by Tuesday XX/XX/2023. I have not received the monies back to my account. I have also been charged an overdraft fee by my bank due to the error on BOA 's part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I requested my amortization schedule because it is not accessible on my account online and also requested to pay my escrow shortage of {$620.00} for acct # XXXX. I made the request and payment via phone call on XX/XX/23. My Escrow shortage payment of {$620.00} was paid to BSI on XX/XX/23 by my bank. I again requested online on XX/XX/23, when my account will be updated to reflect the escrow payment of {$620.00} but have not heard anything. The prior mortgage company would immediately update the escrow shortage after payment and I was also able to see it reflected in my account. I was also able to see my amortization schedule online with the prior mortgage company prior to them selling my account to BSI Financial. I am concerned my payments are not being properly applied and would like communication from BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I submitted a SAVE application on XX/XX/23. As of today, XX/XX/23, it still has not been processed. In this time, they have placed me on two different types of forbearance, but did not do so for about seven weeks, although they were supposed to place me on an administrative forbearance as soon as they received my SAVE application. My current forbearance is set to end in XX/XX/23, and my payment amount has not been lowered as they have not processed my SAVE application. 

I have sent them three secure messages through their messaging portal. The first was sent on XX/XX/23 and asked why I had not yet been placed on an administrative forbearance. I received a " we'll be responding to your message as quickly as possible '' message on XX/XX/23. On XX/XX/23, I received a message telling me that I had been placed on a forbearance, which I was already aware of. In fact, by this time I had been placed on both an ecological disaster forbearance AND an administrative forbearance. 

My second message was sent on XX/XX/23. This was after I had been placed on an ecological disaster forbearance, which was set to expire in mid-November. I asked why I had not been placed on an administrative forbearance. I still have not received an answer to this question, though I have since been placed on an administrative forbearance ( though that is set to expire on XX/XX/23, which as of this complaint is in 19 days ). 

My last message was sent on XX/XX/23, and asked why my SAVE application had not been processed. I have not received a response. 

Throughout this time, my due date and interest amount kept changing. Until the last week, my loan was still accruing interest, even though it should not been. ( They did wipe the accrued interest. ) I have attempted to call MOHELA, but unsurprisingly, I have been unable to get to a representative. I work full time, and I can not just sit on hold for the eight hours it would likely take to get someone on the line. 

I just want my SAVE application to be processed so that I can start planning for my student loan repayment. The federal student loan website says that it typically takes 30 days to process a SAVE application, and as of today it's been about 72 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Previous complaint XXXX XXXX XX/XX/XXXX I had a flight from XXXX and XXXX during XXXX XXXX. It was booked using my spouse 's credit card ( Wells Fargo CC ) during XX/XX/XXXX. It was booked on XXXX XXXXXXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. Dispute IDs : XXXX and XXXX I see that Wells Fargo is able to resolve only one such transaction but not both of them. There are two transactions in dispute with XXXX, {$380.00} each. 
On XXXX XX/XX/XXXX- did a permanent credit but it should be two credits of {$380.00} each.

Wells Fargo please don't keep on calling. Everything is mentioned in this complaint - you need to read it and follow it - I can not keep on spoon feeding you. Overall Wells Fargo has some real low standards in terms of hiring - that even simple english stuff they don't get it and keep on buying time in unnecessary follow ups.

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 2023-12-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX I initiated " a direct deposit funds transfer to checking/savings '' for the amount of {$4900.00} from my Bank of America Prepaid Online account to my Bank of America checking account ( not prepaid ). After I confirmed the transfer the money was immediately taken out of my account, I never received the transfer to my bank of America checking account. I didn't notice immediately, the first time I submitted a claim was XX/XX/XXXX. It's an ACH transfer and submitting the claim was different compared to disputing a debit card purchase, I was first told to wait a week or two ; but the claim was open for over six months before they denied it for the first time. Throughout those six months I called once a week and spoke with a new agent, and specialist every time. ( One of them told me I was definitely going to get my money back because this was an obvious glitch in their system ) after about a year I let it go. End of XXXX they start sending me emails to submit a claim once a month, I believe I submitted one or two claims in the year of XXXX. XX/XX/XXXX I received an email saying they denied my claim, but I never reopened it to be denied. I received letters by mail saying the same thing, so I call them and reopen the claim, this time I send them bank statements showing I never received the deposit in the destination account. ( I used this account multiple times after to do the same type of transaction and NEVER had a problem ) They still denied my claim. They will not give me a reason why.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il 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 non-monetary relief
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
I went to a BofA ATM to withdraw {$1000.00} on XXXX. 
Machine got stuck.

Didnt receive funds. 
Filed a claim immediately while at machine. 
Did subsequent withdrawal at same machine for {$300.00} which was fine. 
They said XXXX business days to get credit for {$1000.00} missing. 
Then another XXXX business days. 
Still have not received funds.

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 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am seeing on my credit report that a third party collection agency is attempting to collect a debt in the amount of {$1300.00}. It is illegal for this Sunrise company to receive my personal information with no written consent to retrieve personal information. It is also illegal for XXXX XXXX XXXX to sell my debt to a third party company along with my personal information. This is a violation of my rights and will like this to be removed from my credit report 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
VIOLATIONS In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

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 2023-12-12 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed some unusual activities on my checking account where my debit card ending in XXXX was used. The transactions in questions are : XXXX XXXX {$67.00}, XXXX- {$22.00}, XXXX XXXX  {$59.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. There were also some other charges were someone called and had some of my previously paid transaction reversed. My account has been compromised and I also filed a complaint with the FTC ( Report number : XXXX ) and CFPB ( XXXX ) after I got over some of my embarrassment. Both of these report were filed on XX/XX/XXXX. On XX/XX/XXXX Chase bank reversed the credit and is charging me for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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