vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have two vehicle loans with Chase Auto : account # XXXX for a XXXX XXXX and account # XXXX for a XXXX XXXX. The Chase payment history on both account shows no payments credited after XX/XX/2022. As off XXXX XX/XX/2022, I have been given notice of loan acceleration regarding account # XXXX that the full loan balance is due or the vehicle will be repossessed. Phone communication with Chase has been frustratingly unproductive as they are uninterested in doing more than transferring me to another department that either ends up with a dropped call or a call that goes unanswered and they only want to know the location of the vehicles. 

Chase has act # XXXX past due by {$2000.00} and act # XXXX past due by {$4100.00}. 

I have bank statements and checks documenting payments leaving my account and going to Chase bank. None of these payments have been reflected on my account. The payments are as follows : XX/XX/XXXX - act # XXXX in the amount of {$490.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XXXX XXXX - act # XXXX XXXX  # XXXX in the amount of {$1800.00} XX/XX/XXXX - act # XXXX in the amount of {$1000.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$490.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$940.00} I have attached my bank statements from XXXX - XXXX with unrelated information blacked out as well as images of the checks. 

Chase has also reported to the credit bureaus causing a significant negative impact to my credit score. 

I don't know if someone in their organization refused to credit the payments and pocketed the money or what, but its a very shady business practice. 

I have also filed a complaint with the XXXX XXXX XXXX ( # XXXX ) and will be filing a complaint with the Credit Bureau 's regarding this fraudulent behavior from Chase. 

I can only hope that this situation is an anomaly and other customers of Chase have not also suffered from this unprofessional business practice. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX regarding a 30 day late that was reported to my credit for XX/XX/XXXX. At that time, I reported that my loan was transferred on XX/XX/XXXX. I immediately set up auto payments, which meant at that time I had autopayments for both XXXX and XXXX XXXX, but neither took the XXXX payment. The autopayment was made through XXXX XXXX for the XXXX payment, so I felt confident that it was set up right. On XXXX I received notice that my credit report said that there was a late payment. I logged in to XXXX XXXX and it said that my XXXX, XXXX, and XXXX payments had not been taken. I immediately paid them and called. They informed me that since the XXXX payment was missed ( even though I had 2 autopays set up at 2 different companies ) they cancelled the autopay ( and did not notify me ). They apologized profusely and made the correction to my credit. On XX/XX/XXXX I received notification that XXXX XXXX had now reported a 60 day late for XXXX. 
On XX/XX/XXXX, I called the XXXX XXXX Customer Service number and was told by the representative that she would place the request to have the 60 day late removed. I also never received an update saying that it was in process like I did the first time. I reached out to them again XX/XX/XXXX and was instructed to email at XXXX. I did so on XX/XX/XXXX and got an automated response, but nothing has been done. As of today, XX/XX/XXXX it has not been corrected.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a college student and I opened a bank account at chase bank. I tried to send money to a friend to get a book for me and it stopped the transaction and locked me out of my account and said that the account had been locked due to suspicious activities. I went to the bank to ask about it and they just told me they were sorry but they have to close my account and would send me the money through a check. They basically left me with no funds or a way to get funds in a new country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Backstory : On XX/XX/XXXX I placed a credit alert ( not freeze ) on my credit due to 2 attempted credit card applications that were not authorized by myself. 

On XX/XX/XXXX, I had applied for credit through Mattress Firm via synchrony bank. I was denied and told I would receive a letter in 7-10 business days. Letter received stated unable to verify identify and credit application was denied. 

XX/XX/XXXX, went into Mattress Firm thinking I would just apply in store because then they could call my cell phone to verify identity to which they refused to do when I applied on XX/XX/XXXX. While attempting to submit application it too was denied. I was told by the rep for synchrony bank that it too was denied. I informed them up the credit alert to which he saw nothing and gave me a story of it was because it was too soon since my last application. He would not reopen the previous one saying it was already determined to be denied and closed. He too told me a letter would be sent in 7-10 days. The sales woman at Mattress Firm suggested I contact corporate via phone, so when I got home I did. Those reps transferred me around indicating nothing they could do. I spent about 4 hours total, about 6-7 reps and disconnected 3 times within that time. No one could help me or even tell me why they would not verify my identify.. One rep submitted another application to which was also swiftly denied. All they could do was apologize and suggest reapplying with a cosigner. I have an excellent XXXX  score ( over 825 ), not 1 missed payment in over 25 years of credit cards, and at the time only had 2 hard inquiries on my account. I have about 5 % utilization rate across my credit cards. To my understanding, credit can not be denied based on a fraud alert and it seems that is exactly what is being done right now.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank has restricted access to my credit card as well as stated is has been closed through an adverse action letter, i have been given misleading info about the reason my account was closed my account has been restricted while in middle of billing error along with late payments being reported againstt the account having fraudulent charges on them i disputed the charges my balance was updates yet i am still not able to have the restriction removed nor will they grant me access to my credit card available balance adverse action against a consumer in a consumer credit transaction is illegal and i demand a reinstatement of my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.

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 2022-09-23 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:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I was not only denied but discriminated pursuant to 15 usc 1691 ( a ) ( 3 ), for extending myself credit. 

Fully outlined in attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 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

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 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been requesting information from Aidvantage to send me proofs that these student loans belong to me, Im requesting documents with my alleged wet signature. If they can not provide the requested information they must delete these student loans off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX  XXXX  opened XX/XX/22. I called the associated financial institution on XX/XX/22 about it, advising it as fraud. They closed the account. 
When I called XXXX to report the card ( which is showing on my credit report ), the XXXX Fraud Customer Service Agent said I needed to file a fraud dispute with the FTC. But the FTC website directed me here.

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 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Since receiving the feedback from my last complaint ( XXXX ) the mortgage company has called every week to discuss my default. And it wasn't until about XX/XX/XXXX when a representative told me that I was currently in foreclosure proceedings. Which is against federal regulations because I am in an active loss mitigation program. According to the last complaint the previous forbearance has yet to expire, and in XXXX I applied and was approved for a continuation of that forbearance until XX/XX/2023. On XX/XX/XXXX the mortgage company took it upon themselves to run me through a partical claim program, WITHOUT my consent. I again spoke to a representative on XX/XX/XXXX who had to " force '' place the forbearance, expiring XXXX 

Today is XX/XX/XXXX and I am currently on the phone yet again with yet another representative who Is now stating I'm no longer in the forbearance and the account status must " match ''. Every week since XX/XX/XXXX I've received communication that I'm not in forbearance.

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 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
On XX/XX/2022 I noticed two small deposits on my bank account from XXXX XXXX. 

One was for {$0.00} and was for {$0.00}. 
I immediately on XX/XX/2022 ( and I mean within minutes ) called and reported this as fraud to my bank. They then froze my account and I Transferred all my money to a new account. 
I then called XXXX customer service on XX/XX/2022 to report this and left a voicemail with their loss prevention department. 

XX/XX/2022 I received 3 debt collections notices in the mail from TRS Recovery Services. 
XX/XX/2022 {$68.00} and {$110.00} ( these both include {$30.00} interest fees ) Dated XX/XX/2022 there was a charge for {$100.00} ( again with {$30.00} interest ) I filed a forgery report on their site, and then called customer service. I was told it takes 30 days to review and that they do not report to credit bureaus. I have looked online and it says they DO report to credit bureaus so I have been lied to by them. I see they have also faced major litigation in the past for breaking federal debt collection laws. 

XX/XX/2022 I emailed XXXX customer service to inform them of the fraud and security breach in their system. They said they would forward the info along. 

XX/XX/2022 I received 5 more debt collection requests in the mail. 
I called customer service at XXXX and was transferred to 7 different individuals, I finally was told someone had opened a credit account in my maiden name with my bank account number ( that account has been closed since the first deposits ) and those transactions all bounced but the fraudster was still able to receive goods. 

My account mind you had not showed any pending transactions at all, and all of them must have bounced hence the debt collection attempts. 
On this same day I have also emailed with multiple individuals, called back and spoke to 2 more people, and left a voicemail with loss prevention again. 
They told me that my card was " disabled '' but were not able to cancel it due to the fact I did not have the card number or the phone/email associated with the account. I do not know that information because I did not create the account and do not have the card in my possession since I am being impersonated. 

These notices from XX/XX/2022 are highlighting charges as follows, all of these totals include the {$30.00} interest fees : XX/XX/2022 {$78.00} XX/XX/2022 {$110.00} XX/XX/2022 {$64.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} I asked for a record of the transactions that are being claimed against me from XXXX and they told me that loss prevention might be able to provide it. They have not responded. 

I have filed a complaint with the XXXX  as of XX/XX/2022 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner. 

Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds. 
Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress. 

Compensation request. 
Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds. 

Many hours spent on the phone with Ally Bank. 
On hold -Cut off- more verification over and over with different bank employees. No help at all received. 
Wire transmission was agreed by Ally to be No Charge. 
Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me. 
They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices. 

Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me.. 
As of today I have not received my funds 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 monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I received a grant from the XXXX on XX/XX/XXXX. The grant was for XXXX. The bank released XXXX but held the XXXX stating that I needed to prove my eligibility. I sent in the information and was told it was enough and that corporate security was placing the funds on hold. I went into the bank and sat down with XXXX explained my issue and withdrew the funds that I had available and asked that they sent the remaining funds back to the XXXX. Three months later I called and was told that the funds were returned to the XXXX. Called the XXXX and they have yet to receive them. Called back months later and got the same answer. Filed a complaint with the XXXX in XXXX of XXXX nothing was done. Continued to call the bank and they gave the same answer until XXXX of this year I was told that the fund was still on hold and that they were waiting for guidance from the XXXX to release the funds and I should receive a letter said XXXX the bank 's manager. It is now XXXX and I still haven't received a letter or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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 — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I HAVE HAD THIS CREDIT CARD WITH GENESIS FS CARD SERVICES SINCE 2009 BUT IT IS NOT BEING REPORTED TO THE CREDIT BUREAUS.I CALLED THEM ABOUT A MONTH AGO AND TOLD THEM THEY SAID THAT THEY ARE REPORTING IT.I CALLED XXXX XXXX AND THEY SAID THEY HAD NO RECORDS AND TOLD ME TO CALL THE COMPANY A FEW DAYS AGO AND THEY SAID THE SAME THING AS BEFORE.SO I DISPUTED THEM.THIS HAS CAUSED ME TO KEEP MY SCORE LOWER THAN IT IS SUPPOSE TO BE FOR YEARS AND CAUSE ME HARDSHIP.PLEASE LOOK INTO IT TO SEE IF YOU CAN HELP. THANK YOU

Company response to consumer: Closed with explanation