vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2013, I walked into Chase Bank XXXX XXXX in XXXX, Ohio. I met with XXXX a personal banker and told him I was interested in changing banks because XXXX XXXX had charge me a {$10.00}. Fee that I shouldnt have been charged. 
XXXX offered me a Veterans Checking account, He stated you get free checking, Free checks and a free safety deposit box. All for being a Veteran I agreed and have been a Chase customer for more than 10 years. 

After 10 years and 1 day XXXX Chase took {$53.00} out of my checking account without my consent for my safety deposit Box, without notifying me. 

On XXXX after returning from vacation I called Chase customer support and was told to go to the Branch Office. 
I then went to Chase Bank XXXX XXXX in XXXX Ohio and was told that they changed the policy. I told them I wanted to cancel the safety deposit box and i was advised they werent going to refund my money. 


On XXXX @ XXXX XXXX  I received a call from Chase XXXX and the female on the line stated we changed the policy and your not getting a refund. 

I was NEVER notified about the change in policy and never agreed to pay or have money taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
The public records for XXXX XXXX XXXX that are more than 7 years old are reporting on my background checks for employment causing denial for employment. This information was once removed from my reports since it was a XXXX committed in XX/XX/2009. 

Please take this information off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I was on a COVID 19 forbearance Plan with XXXX XXXX which was to end on XX/XX/XXXX. XXXX XXXX transferred my loan to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

I kept in constant communication with SLS until my loan was loaded onto their system. On XX/XX/XXXX I spoke to a teller by the name of XXXX he said he would put in a submission for me to get a Deferral Loan Agreement Plan and I would learn of the outcome between 7-10 business days. 

However on XX/XX/XXXX I received a letter dated XX/XX/XXXX from SLS informing me that I had been approved for a Forbearance Plan dated XX/XX/XXXX to XX/XX/XXXX based on an incomplete loss mitigation. SLS took on the servicing of my loan on XX/XX/XXXX. 

I have never asked for a Forbearance Plan from SLS. Further I wish to point out that I had NOT missed any mortgage payments prior to going on a Forbearance plan with XXXX XXXX and it was still in effect when they transferred my mortgage to SLS. 

I have received two Escrow Account Disclosures dated XX/XX/XXXX and XX/XX/XXXX which in short pointed out that I had an escrow shortage of {$290.00} and {$280.00} respectively which would bring my mortgage payment to {$1300.00}. 

I called SLS and again spoke with XXXX and I told him I agreed with and accepted the Deferral Loan Agreement Plan and would make a payment. He told me the mortgage payment was {$1300.00} which I paid - confirmation # XXXX. I called and spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX to ask about the correct amount of {$1300.00} for the mortgage. She told me to give SLS some time to make the necessary adjustment, I called today XX/XX/XXXX and spoke with XXXX who said she was showing that I had missed a payment because I paid the wrong amount of {$1300.00} instead of XXXX and therefore the payment would not go towards XXXX 's payment on the Deferral Agreement Plan and now my mortgage was two months behind. I contested this but she insisted that she was going by what she saw on her computer. I asked to speak to a supervisor. She put me on hold then came back to say a supervisor was not available but she would put in a request for one to call me. I am still waiting on the call. 

I called back today and spoke with XXXX ID # XXXX who also reiterated that the Company was not to be blamed for the error. I decided to pay the difference of {$12.00} - to bring the payment up to {$1300.00} - Confirmation # XXXX. 

I am concerned that because today is the XX/XX/XXXX, XXXX will say my payment is late and the account could still be seen as overdue. Please send on my concerns to SLS so that my account can be properly adjusted. I would also like to be able to deal with only one person while dealing with this matter so at least there will be some continuity of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/2023, I submitted my final Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) and forgiveness application that should have resulted in discharge of my student loans. This form was received by Mohela the same day. 

On XX/XX/2023, when I called to check the status of my application, I was told that I had to resubmit the final employment certification form because of an error on Mohela 's end that resulted in a " duplicate form ''. If I resubmit, it will result it me losing my place in line and having to wait an additional 30 days on top of the 75 days I have already waited. 

On XX/XX/2023, I submitted a XXXX complaint. 

On XX/XX/2023 I received a response to the XXXX complaint that didn't address my concern. They stated that I should submit another ECF form if I want my employment certified. I shouldn't need to because the XX/XX/2023 form is my final Employment Certification Form that should have resulted in me getting forgiveness. 

On XX/XX/2023 I am submitting this CFPB Complaint where I am requesting an expedited re-review/audit of the XX/XX/2023 PSLF ECF form that I submitted and Mohela received. When Mohela reviews it, they will find that my payment counts will be updated to over 120 qualifying me for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
The collection agency is violating my rights under the no surprise act of XXXX. I have medical bills that an out of network provider is charging me without my prior authorization. I have never signed a HIPAA release form with the following creditors 1. Wakefield and Associates XX/XX/XXXX {$1100.00} 2. Wakefield and Associates XX/XX/XXXX {$920.00} These are inaccurate HIPAA violations and I require you to delete these immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Every month for the last couple of years, since XXXX, I am charged fees that are not explained to me. I am not able to pay these fees online as the online site or application does not offer the capability to choose to pay separately. I can not pay using the regular payment method as i have called previously to inquire, and was told if i pay any extra money online, it would go towards the interest only and not to fees. Since there is no available to option to pay these, I am not sure how Ally is permitted to charge the fees. 

Also, i contacted them on XX/XX/XXXX to inquire on privately selling vehicle while having a lien, and i was told they could not help me due to system maintenance and i would need to call back another time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: DC

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
on XX/XX/XXXX I contacted Bank of America about a Credit Card that was open without my authorization. I never requested or wanted any business with Bank America. The account is XXXX XXXX XXXX XXXX. I first received a notice of this card when I opened a letter from Bank of America with an Account Summary/Payment information showing a balance of {$7000.00}. It showed 4 purchases that I never made. I contacted Bank America immediately via phone on XX/XX/XXXX at XXXX XXXX  and spoke with B of A fraud representative named, " XXXX ''. He noted our conversation that I had never opened the account and he said he closed the account. I spent the morning contacting all three credit bureaus and sent a letter to B of A on XX/XX/XXXX with a letter sent Certified Mail Receipt number XXXX XXXX XXXX XXXX XXXX with a copy of the FTC Identity Theft Report XXXX with a copy of the California Drivers License and XXXX XXXX XXXX Police report number of XXXX. On XX/XX/XXXX I sent another Certified Mail Receipt letter ( XXXX XXXX XXXX XXXX XXXX ) with a copy of my CA Drivers License to B of A with an original 'Fair and Accurate Credit Transactions Act of 2003 ( FACT ACT ) Identity Theft Victim Request for Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This credit card was a XXXX XXXX XXXX XXXX  that i disputed the debt, balance is all fees no transactions and the debt was sold in 2013 to PRA who then refused to validate the debt, I believe this account is a time barred debt, and that PRA pursued collection on the debt and obtained an unlawful judgment against me and has a hold on my bank account in the amount of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from XXXX that 5/3rd had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called 5/3rd and asked them what was happening. I had now attempted to make TWO payments, one not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. 

My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. 

I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing to you guys because I had a Credit line with citi bank. During this inflation things have been hard on my family and I making it almost impossible to keep up with my bills. I had a balance with citi bank and I happen to receive a settlement offer. I happen to accept the offer, when I called today to find out why there has been no change in my account I was informed my account has been closed. I was never informed of my account being closed nor was I ever explained any of this when I called to make arrangement for the settlement. I was extremely disappointed because I was thinking I was being able to settle things and not have my credit affected but this company has closed my account not allowing me to be able to make things right. I took the settlement because I didnt want my credit being affected and this will affect me the same way. I have reached out to citi bank and was told there is nothing they would be able to do. The only thing left for me to do is reapply. Which I dont how that would make any sense. This company did not try to help me nor care about my finances. I would like to get help on being able to fix this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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've sent 2 letters to Experian in regards to the matter below. the 1st was in XX/XX/XXXX and the 2nd in XX/XX/XXXX. No response. 

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promply delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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 Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 see in my report 30 inquires I never apply for these lender non have my signature I try to contact XXXX XXXX to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The vehicle, a XXXX XXXX XXXX, was paid off as of XX/XX/XXXX. Capital One Auto Finance, the lienholder, insisted by phone that they provided the California Department of Motor Vehicles with a release of lien, which they did not. They blamed the DMV for the delay in receiving my title. I checked with my local DMV desk at a XXXX office earlier this year and they confirmed that there was still a lien of " {$0.00} '' against the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. Equifax isnt even reporting on here but i have my equifax report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with equifax, and i will come after XXXX and XXXX. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS

Company response to consumer: Closed with explanation