vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: HI

Complaint narrative:
I have a balance on my old account with Chase that was closed due to inactivity. It could be 10 years ago because I was unaware. The account was connected to my XXXX XXXXXXXX XXXX  account and when I transferred my investments over to XXXX XXXX, I saw a notification of this existing account that requires managing. Since it's inactive, I can no longer access this account. I have no information of the account number and all XXXX XXXX shows is the last four number XXXX. I came to a Chase bank right away to figure how to manage the funds showing which is {$640.00}. Rep said they ca no longer pull up my account because it's over XXXXwo years old. She said, it should be in unclaimed property. It is not. Two more bank visits and 100 calls to their customer service number later, I still don't have answers. They want me to go/talk to to JP Morgan in XXXX XXXX XXXX They take down my number at the bank but no one has called. I haven't been provided with a dept who can help me. I get bounced around and get transferred to XXXXXXXX XXXX call center regardless of what number I call. I have to repeat myself again and again and again without no resolution. I had to explain that they can't pull up my account and the only info I have is the last four numbers of the Checking account. They insist on getting my Social Security # each time and now I'm afraid my SS will get compromised. Please let me know if there's any other information I can provide to expedite a contact with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am being ignored and Experian is violating the FCRA. They did not provide me with evidence of these unverified items they are reporting.

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 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy federal credit union violated multiple of my consumer rights and multiple FDCPA 15 u.s.c 1611 Navy federal credit union gave my information to a 3rd party corporation without my consent or wet signature consenting both parties which is identity theft. Navy federal also violated the Dodd-Frank Wall Street Reform and Consumer Protection Act 18 u.s.c 8 obligation or other security of United States I never received presale letter, post sale letter, commercially reasonable manner of transaction, the repossession was also a Breach of Peace I directed the 3rd party tow company to address themselves which they didnt, and to unhitch my car from tow truck the driver proceeded to lift with me inside my property, tow truck employee then said pay your XXXX ( XXXX XXXX ) bill dummy and drove off with my Car. Ive sent multiple bills of exchange letters, notice of claim. Navy federal customer service rep said I only can pay the bill with cash and the full amount which was paid in full once I use my SSN and my wet signature on the retail installment loan. The fraud committed by Navy Federal Credit Union made the contract null and void Withholding my access to my securities is securities fraud. You're also in violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. 15 u.s.c 1681 ( n ) civil liability for willful non- compliance 15 u.s.c 1692 false or misleading representation 18 u.s.c 8 Obligation or other security of the United States 31 u.s.c 3123 Payments of obligations and interest on public debt HJR 192 12 u.s.c 1431 Powers and duties of banks ( borrowers/pay interest ) My credit is a right granted ( not a privilege ) banks can't give you credit nor extend it. Rejection coupon/payment which is adherent to XXXX  XXXX XXXX incident Breach of fiduciary duty XXXX  XXXX Refusal to discharge the debt which is a violation of XXXX Violation of title 18 u.s.c section 242 Deprivation of rights under color of law Creditor- Any person who offers or extends credit creating a debt or to whom a debt is owed, but such terms does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. My APPLICATION was the credit!!! The ONLY way to pay bills is with interest!! How can you pay on a positive balance? EVERY contract has equity!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On Tuesday XXXX XXXX I applied online for a second credit card with Capital One. Capital One denied my application which is a negotiable instrument deposit. I have one existing credit card with Capital One which is in perfect standing. I have not missed any payments. I do not have any late payments. Yet Capital One denied me access to new line of credit. That is a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Credit Opportunity Act. It is discrimination. Capital One has refused me to increase my credit limit satisfactory to me and my needs in the open account I already have so I applied for a new credit line. Capital One is also reporting private transactions to third party non affiliates which is a violation of FCRA among other laws. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) Again, this is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Capital One thinks I don't qualify in a " consumer '' credit transaction without being provided a valid reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Capital One considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Information found in Consumer Reports should not be a deciding factor. That is a violation of Federal law. Capital One should also preserve MY original application I submitted XX/XX/24 per record retention LAWS. 1 ) The application was a deposit of a negotiable instrument. 2 ) The deposit was done electronically. 3 ) The instrument contained a Power of Attorney that allows Capital One to open accounts in my name. 4 ) I now demand for Capital One shall provide me proof that the actual instrument was denied/returned, or 5 ) Capital One needs to provide a satisfactory method for stopping the deposit from happening. 6 ) If they can not ( which I am positive Capital One can not ), I demand Capital One open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity. There is information being reported to CRAs that are a result of identity theft and these reports should not be used to determine my character. I will follow up with a certified letter submitting a complaint to the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have had three of my accounts closed by synchrony bank over the last few years. No matter if you have money charged on them or not. Doesnt matter if youre making all your payments. It hurts your credit score when they do this. It seems to be the practice that this bank loves to do. I feel they are hurting consumers. I dont feel that any closures from this bank should be on anybodys credit report- because they are abusing it and hurting consumers with 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
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
Beginning of last year I was taken to court by the company and was close to eviction. The full amount was paid off via rental assistance and I evacuated the apartment in XXXX of 2023. Since then the account has been moved to collections and I am not being charged from the company an outstanding balance of over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Car was taken, was told I could pay it off but overcharged and attempted to sue me for erroneous amount and shows on my credit report incorrectly.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 
Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Credit Collection Service put a collection on my credit report that was invalid from XXXX XXXX. The general claims I owe them money when I didnt have the vehicle during the times they charged me. I have tried contacting them but they wont fix the incorrect charges. We only had the vehicle for a short time since it had major undisclosed issues we was caught off guard by. I have filed a XXXX for XXXX XXXX in attempts to have someone with authority to review this. I am also requesting that Credit Collection Service deleted the collection from my report for being invalid and incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
monetary relief or deletion of inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was double charged for my monthly car payment. I've been trying to get my money back since XXXX XXXX it is now XXXX XXXX and they still haven't returned it. I've talked to two different managers and also the case worker. They keep telling me it should be there today or tomorrow. They've been telling me this for almost a week. Now I go to my account and they didn't even process the reversal until the XXXX. My problem is ( besides them not returning my money ) that they keep lying to me every time I call. Each person I've talked to has told me a completely different story. When I question them on it they won't even answer my question, they just apologize and assure me it'll be back in my account today or tomorrow. And now my case worker won't even respond to my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.

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 2024-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
Hello : My XXXX home loan was sold to BSI Financial about XXXX years ago, and there have been several issues with the mortgage loan servicer since it bought my loan. The latest issue has taken place this month, XX/XX/2024. My regular monthly payment of {$1400.00} is always transferred from my checking account via XXXX to pay my mortgage at BSI Financial, and it was transferred on XX/XX/2024, and another regular payment isn't due until XX/XX/2024. I also wanted to make a " payment to principal only '' on XX/XX/2024 for {$24000.00}. However, when I filled out the box for an " Additional Principal Amount, '' for {$24000.00} and submitted it, BSI Financial unilaterally added in an additional month 's payment, for a total of {$25000.00}. I didn't want to make an additional month 's payment. But, as I found out, BSI Financial does not give you a choice. It always adds in an extra month 's payment amount so that the amount that you want to have applied to principal is changed in a way that increases the payment, and increases the interest paid. This also reduces the amount of the principal that's paid off. There is no reason for this except that BSI Financial is stealing money from its customers in the form of extra interest. Also, BSI Financial doesn't communicate that BSI Financial is going to do this anywhere on its website, and certainly not anywhere near the " Additional Principal Amount '' box. 

I had to resubmit my " payment to principal only, '' and I could only submit it for {$22000.00} instead of the {$24000.00} that I wanted to apply to my principal because of my recent discovery that they were also going to unilaterally add in one month 's payment of {$1400.00}. My husband called BSI Financial today to let them know that the {$1400.00} was to be applied to principal only, BSI Financial said it would apply the {$1400.00} to the principal, but it's been my experience that BSI Financial 's representative will say they'll fix something when you're on the phone with them, and then nothing gets fixed. 

Please see the attached photos. The photo of where you enter in the amount of the " payment to principal only '' does not indicate anywhere that BSI Financial will be adding a month 's regular payment amount to the amount of the " payment to principal only. '' Also, please see what a mess BSI Financial has made of my account, all because I tried to make a " payment to principal only '' payment of {$24000.00} on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.

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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Sent repeated calls asking to link to their website for a collection that is already underway. Using a phone number with too many digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-09 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: EdFinancial Services
State: UT

Complaint narrative:
Autopayment pulled additional money after paying off loan. I requested a refund but they are telling me they can't provide any information or timeline when I requested it via, phone call, chat and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 2024-02-10 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief