vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMORGAN violated 15 USC 1681i by failing to do a reinvestigation and is liable under 15 USC 1681o. A letter was mailed certified mail to XXXX ( XXXX reporting agency ) XX/XX/2023. XXXX opened account disputes XX/XX/2023. Report number XXXX. Jp morgan was suppose to do a reasonable investigation but negative information is still reporting on my consumer profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: DC

Complaint narrative:
Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years. 

Furthermore, under 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. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX  Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Thanks to Covid I had reduced income due to being a XXXX XXXX. US Bank was more than willing to be helpful during that process and granted me a forbearance on the loan. XXXX of 2022 I was ready to resume paying on the loan and they did a loan modification and lowered my payment to {$790.00} ( I'm not sure of the exact change ) and I made my first installment payment on time. Then I go to make my next payment and it's rejected. I called after I had received new modification applications confused as to why I was receiving them and was told not to send them again, that everything was fine. But when I go to make the payment over the phone I was told that an underwriter decided a signature was illegible and that my modification application was denied, even after I had already made the first payment. Then I had to go through applying all over again. This time they made my payment {$400.00} higher than what it originally was. My paychecks are only XXXX at best. That new payment option is more than an entire paycheck. NOT AFFORDABLE. Now I'm currently dealing with a wage garnishment, also due to COVID, and I've told US BANK this and they chose to ignore it. I'm a single mother, desperately trying to save my home and US Bank keeps offering me only options of {$1100.00} or higher in the repayment offer and expect the first payment before I even get paid again, then another payment 2 weeks later. I can't afford that. I tried asking for another forbearance and reverting back to the last approved payment amount of XXXX they won't approve that either. I've asked to speak to someone about this and I keep getting told no. So now I'm escalating my complaint.

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 2023-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I tried to make payments could afford to make payment was never given the option to pay XXXX due to income, had to file bankruptcy and still couldnt get relief, I also went to a school the fell under the AG lawsuit but wasnt given a cancellation was told I need to take this up with the Attorney General for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2023-04-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Navy Federal Credit Union has illegally frozen access to my online account and frozen access to my funds in my savings account as an attempt to collect on a debt. As I understand it, this is something NFCU was previously accused of doing and they were required to pay a settlement to the affected consumers. NFCU is still using these illegal practices to threaten me into paying an alleged debt. They will not give me access to the funds held in my NFCU savings account without paying off the alleged debt or making an arrangement to pay. I was told that even if I made an arrangement to pay, I still would not have access to my account. None of my online banking works, I've been locked out of it for over a year. Their claim was that I gave someone access to my account so they locked me out when I was the one that called them about my account being compromised. I just want to be able to withdraw my funds from the bank. It is illegal for Navy Federal to withhold my funds in my savings account as an attempt to collect a debt. I demand that the funds be released to me for withdrawal immediately. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
Randomly the Mortgage serving company changed my mortgage of 16 years. Now my principal portion is at {$140.00} down from {$460.00}. After many attempts to find out why I am asking for help from CF. The mortgage company is firm that the mortgage was modified and reset with high interest. 
I did not request a modification. I came out of forbearance in 2021 completely up to date and never expected a year later to see my principal payments be so LOW. 
All the servicer states/ insists is that the change is a result of a modification but I never agreed to a modification, only the forbearance program offered during the pandemic emergency.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I previously contacted synchrony bank CareCredit in response to noticing a charge that was not authorized by myself XX/XX/XXXX. I gave them all of the information regarding my personal information and everything that they asked me for in terms of helping them to do a thorough investigation. The charge was initially taken off of my card and then it was reversed in XX/XX/XXXX. I am now having the same exact issue on XX/XX/XXXX. There was a charge made on my card that has no merchant name it just has a city and state of XXXX Ohio. This is not a charge that I am aware of it is fraud. I have made no purchase in this amount of {$2300.00}. What also concerns me is that someone is able to fraudulently obtain my information and make these charges to my card I have expressed my concerns with CareCredit, Synchrony, Bank and I am not getting the support. I feel that I need to ensure that my information is being protected, I have had a fraud alert, put on my my credit report because I have been a victim of identity fraud in the past. However, it is very concerning to me as a consumer that I keep getting my information compromised, and these fraudulent charges are being made. I originally initiated a claim with the ftc.gov which brought me to the CFPB. I also am in the process of going to the authorities to file a police report because I am now becoming a victim of identity, fraud, and Internet crimes more often I am comfortable with something have to be done about this as a consumer we do not deserve to have our information stolen and charges made and then we are responsible for this. I also hold the company is responsible for making sure that we are not liable for any charges that were not authorized by us.

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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Date of Transaction : XX/XX/2023 and XX/XX/2023 Account number : XXXX I called Ally on the XXXX of XXXX to request an extension due to unforeseen dental expenses. The extension was contingent on me making a payment of {$370.00} within ten days of the agreement. I specifically asked the if payment needed to be received by the XXXX which is my normal due date to avoid a negative credit reporting. I was told as long as payment of {$370.00} by the XXXX you will be fine and no negative reporting will take place. I asked three more times got the same response. I was able to get my hands on the money on the XXXX, & made a payment of {$380.00} total. I called same day to confirm payment was received, to ensure the extension was in place & there would be no negative reporting on my credit. I was told it was received, extension was in place and there would be no negative reporting. However, on the XXXX they marked me 30 days past due. Today I have chatted with one rep & spoken to two. One identified herself as a SR. agent. Theyre claim is that the payment had to be received by the XXXX my normal due date. Not the XXXX as their rep previously told me. Funny because on the XXXX of XXXX they sent me a notice saying I was 21 days past due, so technically the rep I spoke with on the XXXX was correctthe XXXX would have been the XXXX day. If the rep I spoke with on the XXXX was wrong & gave me ill informationthen that is a problem, they need to work out with their rep, I should not be punished. This 30-day late mark dropped my credit score XXXX pts. I have asked for the calls to be reviewed from the XXXX & the XXXX. They tell me I need to wait 3-5 days then look for an email on the status? ABSOLUTELY NOT! I honestly believe even after they listen to the calls, they will lie about it. This needs to be resolved fast. If it was the XXXX that is the information I should have been given but it was not. 

Today is XX/XX/23 Ive received no update or resolution. This is unacceptable and highly unprofessional.

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 2023-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
This bank refuses to assist with loan modification. They also are not applying the payment wired to them on XX/XX/2023 in the amount of {$8000.00} made on my behalf by NYS Home owner assistance fund. This bank is a nightmare and are doing nothing to assist me

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I called Bank of America regarding credit card XXXX for them to help me set up autopay. I put all my bills on autopay. Their associate set it up for me by phone then unfortunately come to find out when she took my bank account numbers over the phone she failed to include one of the numbers. I thought I was all good that my payments were being automatically withdrawn from my bank account on the due dates. But because she did not put in my numbers correctly the auto payments declined transactions. 

I have XXXX credit cards and I have or should I say had an excellent credit history/score. I always and mean always pay on time by setting up autopay successfully. I was out of state for the winter I had no Wi-Fi so I was locked out of my email that could not be fixed so I opened up a new email account while away out of state, and I was not getting my U.S.P.S mail out of state either. I was there on severe family matters. When I got back home to Michigan I was going through my mail. I opened up a letter from Bank of America stating my payment is past due on this card and when I called I found out they closed it due to non payment for 4 months. I only owed them {$190.00} in which I paid off yesterday. Due to 4 missed payments I now owe them {$140.00} in late fees. I also, opened another letter from Bank of an America regarding credit card XXXX they also reduced my credit limit from {$11000.00} to {$2000.00}. All of this adverse information was sent to my credit reporting agencies. My credit score took a major hit. This would have never happened if Bank of Americas customer service associate would have set up my autopay successfully by putting in all my bank account numbers accurately in the first place. This mistake is noway my fault. They should have noticed this mistake right away and called me by telephone just as I called them to set up autopay in the first place. I am desperate to get this rectified in my favor to make me whole again. This is due to their negligence not mine. This is not because I outright failed to pay my payments. This is all due to an oversight on their end. Please help me by getting them to open my credit card ending in XXXX again, waiving the {$140.00} in late fees, and increasing my credit limit on card XXXX to the {$11000.00} again, and most importantly remove all this adverse information from all the credit bureau agencies. Thank you for your time in helping me rectify this serious matter Bank of America caused me due to their negligence and oversight. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a business checking account with Bank of America in which there is very little activity. The account was opened in XX/XX/XXXX. Based on the structure of the account ( minimum balance + business saving account ), I was never charged any sort of fee to have the account in place. That being said, in XX/XX/XXXX Bank of America started charging me a {$16.00} fee in my account due to not meeting the minimum balance in the account ( XXXX average balance ). I was NEVER notified of this change, when I discussed with Bank of America representatives ( late XXXX, XXXX ), they indicated that the minimum deposit was ALWAYS XXXX ( it was not, as I wasn't charged a fee for ~3+ years ). As I do not actively use the account, I wasn't aware I was being charged a fee until earlier this year. At that point in time I contacted Bank of America and they refunded me {$48.00} in fees ( 3 months, {$16.00} each month ). Since XX/XX/XXXX I have been charged a total of {$400.00} in fees from the Bank, despite NEVER being notified of the change. It feels absolutely predatory in nature. I have more than ample funds in other accounts with the institution where I could shift funds around to avoid the fees, but, again, I was never made aware. I have been a customer with Bank of America for 20+ years and was an employee with the company for close to 10. This is simply not how you conduct business. If I can not get this corrected I will move my funds to another institution. I currently am employed by a competitor yet I have kept my funds with BAC. When I contacted BAC, I couldn't believe a representative was unable to tell me the specifics of when I started getting charged fees ( they claimed to have minimal history ) nor when the fee structure changed ( they claimed it never changed ). I had to spend time doing my own due diligence by sorting through years of monthly statements to ascertain the exact time in which the fees started and the totality of the fees charged. I look forward to bringing this issue to resolution and fully expect to be refunded the fees charged, in full, due to the lack of correspondence by Bank of America to make me aware that the minimum deposit balance had changed. I hope to hear from you soon regarding this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Selene Finance LP continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unauthorized transactions were made on my Wells Fargo account XX/XX/2023 totalling {$1900.00} thru XXXX. After Wells Fargo notified me of suspicious activity in my account I immediately took actions that day to file a claim and emailed them that all the transactions made on this day were unauthorized. After the claims case the bank decided not to return the fraudulant unauthorized transactions that were made that same day. I would expect that Wells Fargo would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of their notification.

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: MA

Complaint narrative:
Cedars Business Services of XXXX, CA is trying to collect a traffic fine imposed on me by the city of XXXX, XXXX. All of the details about this fine are incorrect however. I did fly there and rent a car but it was a decade earlier than the date of the offense. It was also a different part of the day. In a letter Cedar sent me some years ago, they included a traffic-cam photo of a car at night supposedly proving their point. I was there in the daytime. I explained all this to them in a phone call a couple years ago and the person I spoke with agreed to cancel the case. I just received another letter try to get me to pay and now the amount is greatly increased due to the time passing. 
I have no idea how the police in XXXX connected my name with something that happened when I wasnt there. Lets assume it was an honest mistake, but please help me stop Cedars from the continuing harassment.

Company response to consumer: Closed with explanation