vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I opened a personal checking account at a Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Almost immediately after I opened the account, the account was somehow compromised and someone began making XXXX and later on, card transactions. Up until XX/XX/XXXX, I did not know my account was being used by someone else in a foreign country ( XXXX of all places ), as I used this account as a " surprise '' savings account. By surprise, I mean that I deposited as much money as I could without checking the balance. Chase also for some reason, NEVER sent me any monthly statements. I never used the debit card or purchased anything. I made only two cash withdrawals from my local branch totaling {$3400.00}, both on the same day, to pay for a large business expense, which my husband promptly refunded, and I then redeposited. I set up the online access when I initially opened the account, but never logged in, not even once over the last year or so ( which I understand is unusual to some, but the equivalent of throwing cash under the matress ). All of my deposits were made in person up until around XX/XX/XXXX when one of my new cleaning jobs decided he could only pay with " XXXX '' which I connected. Being that I keep secure digital copies of my debit cards with me, I set up the XXXX to receive deposits and continued depositing at my local branch. Finally On XX/XX/XXXX, I decided to check my savings. Initially I tried to log in using the username and password that I originally set up at the branch. Which did not work. I got my husband to come help. We recovered the username using the account number and my social security number, only to find out it had been changed to something different. When we tried to recover the password, the phone number was also different. I called Chase customer service and they asked me if I still had the same " international phone number '' to which I was baffled. Luckily the nice lady on the phone was able to change my phone number back to my cell phone number and we were able to reset the password and log in. Upon logging in, I was disheartened to find that my balance was {$4.00} and not the $ 15k or so that we were expecting. We were saddened to see page after page of XXXX and card transactions from someone using our account as theirs. Receiving XXXX deposits from god knows who, in addition to mine, and just living a luxury life of spending my money at restaurants, hotels, and other businesses. Also, this person had set up the Chase mobile app on their phone and remotely deposited fake checks of almost {$2200.00}, which of course bounced and charged the account. The pictures of the checks are on my deposit history and you can clearly see that they are not signed by me and are written in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I paid off my mortgage loan with Bank of Hawaii on XX/XX/2022. As of XX/XX/2022, XXXX : 1 ) NOT received written confirmation that the loan has been paid off, 2 ) NOT received the balance in my escrow account, and 3 ) NOT received a refund for an apparent overpayment of interest on the mortgage loan. Bank of Hawai has had use of my money- with no interest or other compensation to me- for 25 days now. I called BOH on Tuesday, XX/XX/2022 and asked about the money we are owed. Their attitude was pretty cavalier to say the least, saying it usually takes " several weeks '' for these kinds of refunds to be made. If that is indeed the case, then BOH is unfairly taking advantage of its customers and your agency and other relevant agencies need to investigate. 

On XX/XX/2022, we received the funds that Bank of Hawaii owed to us. However, as part of this complaint, please consider the following additional information : On XX/XX/2022 we received a refund of the funds in our escrow account in the amount of {$2400.00}. Bank XXXXf Hawaiis cover letter was dated XX/XX/XXXX 6 days earlier than the date we received it. Bank of Hawaiis check was dated XX/XX/2022. However, the loan associated with the escrow account was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost {$2500.00} of our money for 27 days. 

Also on XX/XX/2022, we received a refund of the overpayment on the payoff of our loan in the amount of {$140.00}. Bank of Hawaiis cover letter for this check was dated XX/XX/2022 (!! ) Bank of Hawaiis check was dated XX/XX/2022 20 days after the date on the cover letter. As noted above the loan was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost ( an additional ) {$150.00} of our money for 27 days. 

This practice harms all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} SXXXX XXXX XXXX XXXX BAlance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}

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 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian about the inaccurate reporting of my personal addresses on my credit file. 
The following addresses are inaccurate : XXXXXXXX XXXX XXXX XXXX  XXXX. ( This a previous address of my brother ) XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX ( I have never been associated with this address and have no accounts associated with this address ) XXXXXXXX XXXX  XXXX XX/XX/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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am closing on a house in FIVE DAYS. AND EVERYTHING IS GOOD EXCEPT FOR THE FACT THAT EXPERIAN, THE ONLY ACCOUNT THAT REPORTS THAT I HAVE FORCLOSURE IN 2019 AND IS BEING REPORTED AS SO. EVEN THOUGH I HAVE SOLD THE HOUSE ON XX/XX/XXXX, XXXX XXXX XXXX. IT HAS BEEN 4 YEARS SINCE I HAVE MOVED OUTOF THIS HOUSE AND SOLD IT BUT IS NOW BEING REPORTED A YEAR AFTER I SOLD IT AS A FORECLURE. THIS IS VERY MUCH HINDERING MY ATTEMPT TO PURCHASE A HOME AND LIVE A NORMAL LIFE. I have tried calling every single number associated with EXPERIAN and nobody is reaching back. I need this taken off my credit immediately or else I will take serious legal action

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 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-03-02 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: CA

Complaint narrative:
My card information was stolen since last year, theyve been doing random charges in a different state that Chase has failed to catch. I got an email notification from Chase on XX/XX/22 alerting a suspicious activity. Thats how I found out about the stolen card information. I then reported it to chase immediately. They only credited {$25.00} back to my account. Then they sent me a letter saying the transactions were more than 60 days old and from the same merchant. Which is untrue. The transactions are not even 60 days old. A few says XXXX. I called XXXX customer service, they told me that the transactions were not found in their system, those are not from actual XXXX. Theyre not doing proper investigations on the claims and denied the claim without even looking at it! The claim number is XXXX. Theres also another claim for the same incident they submitted number XXXX, theres one XXXX transaction for {$8.00} it was charged then refunded. Chase took {$8.00} from my account so I lost {$8.00} from the claim. I also filed a police report about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
This Bank FNBO is terrible! Stay away from them! I had submitted a business application for a credit card in XXXX and I have excellent credit. They asked for all documentation which I provided. Then they said they approved me for a credit card. A few weeks later I received it and activated and started using it for my e-commerce business as mentioned. I only put about $ XXXX into it which I immediately paid off the balance. After that I was no longer able to use the card. They gave me NO notice and I had to call in several times! I spent dozens of hours on the phone trying to find out, one rep told me I was getting a new card shipped while another said it was closed. Then they said they needed further verification via notarized docs of my sensate info which I spent a day out of my way to go get my ID SSN and tax documents notarized to send. I come to find out that they closed my account without any real reason and still made me jump through all these hoops. I am very upset and would report this company for misleading and fraudulent business activity. I am disgusted at FNBO. And now I am left with inquiries on my report as well. Just ridiculous

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 2022-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX navient transferred my loans to XXXX. 

Navient verbally gave me the following information but it is not in my account. My concern is they are not being upfront about the 4 years of forbearance/defaults on my account. 

on XX/XX/XXXX at XXXX -poke to XXXX, ( employee id XXXX ), she provided the following information verbally. They are telling me that they transferred my account in XXXX which is not correct. 


XXXX XXXX XXXX school deferment XX/XX/XXXX XXXX XXXX, XXXX XXXX month grace period until XXXX XXXX XXXX 12 month forbearance XX/XX/XXXX XXXX XXXX XXXXpast due status - delinquency XX/XX/XXXX XXXX XXXX school deferment XX/XX/XXXX, XXXX XXXX XXXX XXXX months delinquency XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - delinquency - 1 month XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX, XXXX delinquency XX/XX/XXXX -XXXX  XXXX, XXXX forbearance XX/XX/XXXX XXXX XXXX XXXX delinquency XX/XX/XXXX XXXX XXXX XXXX status XX/XX/XXXX XXXX XXXX XXXX - in school deferment XX/XX/XXXX XXXX XXXX XXXX - delinquency XX/XX/XXXX - XX/XX/XXXX - repayment status -level standard payment ( can not confirm the amount ) XX/XX/XXXX - XX/XX/XXXX - delinquency XX/XX/XXXX XX/XX/XXXX XXXX admin forbearance XX/XX/XXXX XXXX XXXX XXXX - repayment status -standard XX/XX/XXXX XXXX XXXX XXXX - Admin forbearance - applied for consolidation XX/XX/XXXX XXXX NO RECORDS OF IT ( INCOME PAYMENT BASED BUT COULD NOT CONIFRM ) For 4 years i was in and out of forbearance and delinquent accounts, received hits on my credit report and not given any options until i was delinquent for 2 months.. I was never given an opportunity for an income based repayment plan until XXXX when loans were consolidated. Also, i have multiple private loans that were co signed by my father. No one knows how or when they were requested we have tried reaching out to Florida XXXX & XXXX for more information and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I closed my Suntrust account about 3 years ago. We left about {$200.00} in there for a windfall and the banker said it was a good idea. I assumed everything was fine and did not check my statements. Yesterday I got a letter from Truist stating that my account was overdrawn and was being sent to collections. According to them. I owe {$17.00} with {$30.00} for collection fees. They gave me an XXXX number to call on the sheet to resolve the issue. They let you hold for about 2 minutes then send you to voicemail. I left a message but never heard back. I then went to my local branch and asked to resolve it in person, but was told since my account was closed they cant help. They gave me the customer service line. I waited on hold for over an hour to be told the same thing. I tried to call the number on the collections letter several more times and never got to a representative, nor got a call back. I then double checked my last statement- I had {$3.00} in my account, they took out the XXXX maintenance fee, and then immediately shut down my account. I dont believe I should owe this amount but I cant speak to anyone to resolve. This has been an incredibly frustrating experience.

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 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I've been on hold with XXXX Bank for over an hour now. I've contacted the company to attempt to confirm if my Partial Claim documents have been received and processed. I was transferred twice before speaking to XXXX in Loss Mitigation. After 20 minutes of being on hold and answering questions as presented in my first complaint submitted today, XXXX advised me that the address I read to her was the correct address to return the paperwork. XXXX further explained that she could not provide me with a number to call the XXXX office to confirm if my Partial Claim documents had been received. 
Further, she explained that she did not know how the process works in XXXX because she works at the XXXX office and everyone there is working from home. I asked XXXX if she could verify the information with someone else. I was then placed on hold for another XXXX minutes. XXXX returned to the call stating that her team lead, XXXX advised her that the XXXX, TX office did not have a phone number for her or me to call to verify the documents had been received. XXXX stated she would call me back with an update but didn't know how even to begin and that I should XXXX to look for the telephone number for the XXXX office? XXXX advised me that no updates show the documents were received and that she could not do anything and did not know where to find the information because her team had never contacted the XXXX, Texas office. I explained to XXXX that I just needed to confirm the documents were received. XXXX asked for my consent to call me back within seven days and that she would research my situation and get back to me within XXXX days. My consent was given - but in all the times XXXX has committed to call me back - I have yet to receive one call back. I will submit another complaint if not callback is received by the 8th business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Information on my report has been placed without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation