vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After being denied my XXXX $ bonus for opening a Total Checking Account with Chase Bank they have said the bonus payment is available to me if i comply with the terms of their offer.No.1 being i must have a direct deposit total XXXX $ or more and No.2 said deposit needs to take place within 90 days.When these terms are met the bonus will be applied to my acount within 15 days of the deposit.XXXX XXXX XXXXXXXX  XXXX was electronically deposited in my account at Chase from the SSA i have met both requirements and the bonus should have been in my account no later then the XXXX of XXXXIn going back and forth with Chase they now contend this.The monies deposited XX/XX/XXXX by the federal government was not a proper Direct Deposit according to the terms of the offer.WRONG! EFT Rule at CFR Part 208 finalizes and reads partially that the Federal Government is mandated to deliver monetary payments by Electronic Funds Transfer..EFT rule updated and final XX/XX/XXXX XXXXThey continue to stall and skirt around their obligation to pay said bonus.Im asking you who else can i look to for help, information in this matter.I now want to receive more than the XXXX $ for Chase banks continued criminal behavoir and malfesence.This is so frustating but im using it as an oportunity to learn about the operation of banks mixed in with a little bit of knowledge of goverenmental agencies and some of their laws and regulations.Any help would be appreciated ... .Thank You ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 an 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 explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
On XX/XX/year> Axos Bank / UFBdirect.com had computer problems and I could not log into my account. I spoke with UFBdirect.com customer service representatives and they denied they were having computer problems and they could not help me log in. I called Axos Bank and they acknowledged there was a problem. The problem was fixed later in the day. 

On XX/XX/year> Axos and UFB has the same problem. Again UFB and Axos customer service reps were no help. I could not log into my account. I lost faith in the bank and wanted to wire {$260000.00} from them to another bank. I was told i needed to log in to wire funds or they would email me a form that I needed to sign and send the original to XXXX XXXX California. I am in New York so it was impossible to wire funds XX/XX/year>. 

I spent several hours calling and demanding yo speak with an officer of the bank. I was told officers of the bank would not speak to ne, an unimportant customer.Finally I received a call from XXXX a customer advocate, not an officer. After spending several hours he helped me log in and wire my funds.

This bank must always be an, e to wire customer funds without regard to computer problems or forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened an Advantage Savings account on XX/XX/XXXX after speaking with a Bank of America representative who informed me they had a promotion where I would receive 4.5 % based on my agreed deposit amount of over {$250000.00}. 

A few days later I transferred money into the account and later in XXXX I called to confirm that I was receiving interest at 4.5 %. When I called in XXXX I was told that I was getting .04 % interest not 4.5 %. After numerous phone calls ( all recorded ) I was told the promotion rate did not take effect until after 30 days of the account being opened. I requested to speak with a supervisor as the promotion had been miss represented to me. A supervisor called me, acknowledging I was misinformed on the promotion and said the rate would start after 30 days of the account being opened. 

On XX/XX/XXXX I called Bank of America and was told that I was still not receiving the promotional rate as the rate would only be applied after a 60 day review. Due to another miss representation by Bank of America I transferred my money to my local bank. 

Ive had an account with Bank of America for over 30 years and they have been fraudulent. I believe they owe me 4.5 % on my money from the time of the first deposit, or at a minimum from XXXX XXXX. They should be held accountable for their miss representations and face the penalties warranted by the law. All the phone calls I made are recorded and the different people who I spoke with could see the transcripts of the calls. 

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 monetary relief
Consumer complaint received 2024-04-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
This notice is regarding an unsecured loan account opened on ( XX/XX/2023 ) that POSSIBLE FINANCIAL INC reported to the consumer reporting agencies with my personal information with a current balance of {$46.00} owed. I am requesting POSSIBLE FINANCIAL INC to remove all 8 late transactions they reported after I pay off the full balance that is currently owed on this account. If POSSIBLE FINANCIAL INC will remove all 8 late transactions, I will not hold them liable to the violations listed below or in any past notices. According to the FAIR CREDIT REPORTING ACT This section of the law - 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to POSSIBLE FINANCIAL INC are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a Discover Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for a Amex Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: SC

Complaint narrative:
During the first quarter of XXXX I consolidated all of my Federal Loans and applied for an Income Driven Repayment ( IDR )/ SAVE plan ( see pics from Studentaid.gov ). The amount I was expected to pay per month based on these aforementioned plans was XXXX ( see pic for amonunt ). The MOHELA group is the company the Federal government contracts with to manage Federal Student loans, i.e. repayments. I contacted MOHELA after I received a repayment request amount for $ XXXX month. On XX/XX/XXXX I spoke with XXXX XXXX. ( ID # XXXX ) who was very rude. He insisted that MOHELA had to REPROCESS my IDR/SAVE application and that he would put my account under Administrative Forebearance status, until XXXX, so this could be completed. He insisted they needed to correct errors but WOULD NOT state what the errors were. MOHELA has continued to send me invoices for repayment of XXXX per month which is now affecting my credit. They have stated to me ( with paper invoices ) that I am behind on payments. More importantly, MOHELAXXXX XXXX is refusing to accept the amount of XXXX as the determined amount of monthly loan repayment based on Federal Government/Student Aid calculations. I have attached my consolidated loan application and other relevant information to support this complaint. Thanks ahead of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
On XXXX, I received a text message from Sunrise Credit Services stating that I owe a XXXX {$100.00}. I believe it is still XXXX XXXX XXXX still trying to collect on a debt that I DO NOT OWE. They are the only ones who have my information and now they are using a different name to collect on this debt that I DO NOT OWE. I will take legal action against them if they don't STOP.

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 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
THIS IS MY XXXX ATTEMPT at trying to get this company to cash my check payment ON TIME!!!! They are messing with my payment history and credit. I have had a GM Financial loan for many years. I have always paid by check. I have mailed my check on time for XXXX years - never missed a payment or was late - all by check. This is the XXXX time now- I called GM in XX/XX/year>, they told me to try mailing my payment to the overnight address, which I now have done- but they now are playing the same game of not cashing it on time. It's due today, I mailed my check to them over two weeks ago. They lie and say they never received it. This is my credit, this is my life they are messing around with. 
This company is not trustworthy - I will not give them access to my banking info. I have dealt with identity theft, fraud, and had too many fraudulent experiences in my life to know this is a shady company who lies and won't take accountability for their negligence. I do not want negative marks on my credit report stating I had late payments ( or grace period payments ) because they won't do their jobs. This is inexcusable. CFPB - will you please hold GM Financial accountable and set some higher punishable laws for their negligence. This is the XXXX time they did this in less than one year. The trust pilot and XXXX  reviews on this company speaks for itself of their negligence and unethical ways of doing business. I have written 5 other checks this month to 5 other businesses- they were all received and cashed just fine. GM Financial needs to be help accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
see attached

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I had 8 accounts with Affirm that were closed but had balances. These accounts were sent to XXXX as collections. I contacted XXXX and paid off all balances XXXX XXXX. XXXX informed me that Affirm had extended an a " setting a balance '' for 2 of the 8 accounts of the accounts. XXXX also informed me that they would report these 2 accounts as " successfully settled '' to Affirm. 
On it about XX/XX/XXXX six of the Affirm accounts reported to XXXX as XXXX balances ... the two accounts referenced above show an outstanding balance ( XXXX and {$67.00}. ) I waited a few weeks to see if these 2 accounts reflect a XXXX balance but they did not. I contacted Affirm regarding the concern and the advised me to contact XXXX. I contacted XXXX and they told me that they did report all accounts as settled. I offered to pay the balance stated ony XXXX credit report ( {$32.00} and {$67.00}. ) XXXX informed me that the account is settled so I was unable to pay anything. I contacted Affirm with this information and they told me that I was not able to pay them either. They stated that all of accounts were closed. I kept waiting fom these 2 balances to show up as XXXX balances ... to no avail. On XX/XX/XXXX I again contacted XXXX and they emailed me confirmation of these payments as well as " setting a balance '' confirmation. I filed a dispute this XXXX and that did not resolve the issue. 
I am caught in a horrible situation... everyone is pointing the finger at the other 'person '. I, as well as the XXXX  that I am XXXX, is currently homeless as I can not pass a credit check for an apartment complex. 
Please help... I do not know what else to do. 
Kindly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act SYNCB/AMAZON # 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 an 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 explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a capital one credit card on my credit score and it's hurting my score alot I have never owned a credit card and it was before I was XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to get credit

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On three separate occasions the entry with XXXX XXXX XXXX was requested to be verified through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I received notification today XX/XX/year> that TransUnion updated this entry today with a status of " Dispute resolved reported by grantor ''. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

They have never provided this proof and continue to damage my credit

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 2024-04-21 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: IN

Complaint narrative:
XXXX  - XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK XXXX  XXXX XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK XXXX  - XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK

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 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am XXXX XXXX military and did not receive my XXXX benefit of my car loan and was at a 16.04 %. Under the state of Louisiana. Navy Federal did not give me the opportunity of the benefit of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-21 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: OneMain Finance Corporation
State: GA

Complaint narrative:
This company shared my personal information with the three credit agencies without my permission. Upon signing they did not provide me any disclosures and I did not sign anything giving them permission to share. There information is appearing on my credit report fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Bank of America credit card minimum payment was set to auto draft each month from my personal bank checking account. The auto-payment feature was turned off without my knowledge or notification, therefore the minimum payment was not made and I subsequently charged a {$39.00} late fee. I found out the credit card was locked through a vendor when a payment was declined.

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