vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I deposited a check in the amount of {$410.00} in my Chase account. However, for some reason they refuse to release it until XX/XX/23, and they've been charging me all sorts of fees despite the account being in the positive. This is unethical and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received letter from Chase Bank including a debit card for a checking account that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
Mohela is the new federal loan provider and whenever I tried to call there is always a long time to wait. When i was with XXXX one had to wait, but not for such a long period of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX  ( XX/XX/XXXX ), around XXXX XXXX. My grandmother and I went to the Chase branch located at XXXX XXXX XXXX, XXXX XXXX XXXX NY to deposit an intended original amount of {$9300.00}. There were four ATMs available, three were in a row, one was by itself. I used the middle one on the row. I started depositing bills without counting the exact amount and I did a total of four deposits on that middle ATM totaling {$6700.00}. So I still had to deposit {$2600.00}. I decided to move towards the ATM to my left, nearest to the window. I moved because this ATM took XXXX bills at a time rather than XXXX bills at a time like the middle one. I deposited {$2400.00} into this ATM, because I kept {$200.00} with me in cash. Then an error occurred with the ATM, and instead of confirming my deposit, it gave me a receipt telling me " to be sure your deposit went through, please call us at XXXX ''. Which I did at XXXX XXXX. and consequently followed up the next four days. I have filed two claims ( on the XX/XX/XXXX and XX/XX/XXXX ), and both were denied. The reason for denial was that the investigation team did not find the missing amount. They reviewed the footage and confirmed my presence at the bank doing the transactions on XX/XX/XXXX around XXXX XXXX The only solution they have provided me with is to send them more proof, however, the only proof I was able to get from the scene was was the error receipt, the conversation I had with the teller when this happened, and my grandmother as my witness. Attached find the receipt of my first four deposits, and the error receipt I received from my last deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage was opened with XXXX XXXX XXXX XXXX  XXXX OH ) in XX/XX/XXXX. It was recently sold to LoanCare LLC ( XXXX XXXX, VA ) in XX/XX/XXXX. The loan number is XXXX. The transfer date is XX/XX/XXXX. 

A number of issues occurred during the transition to LoanCare, which resulted in the LoanCare website showing incorrect data for weeks. This data included incorrect original loan amount, interest rate, and payment amount. 

I have called LoanCare customer service no less than five times to ask them to review the data and resolve the issues. While the data on the LoanCare website is now correct, there is still a " payment block '' in place which is preventing me from paying my mortgage. The payment block also prevent LoanCare customer service from taking payments. 

It has been 46 days since the mortgage transfer, and seeing how I only have a grace period of 60 days before payments can be considered late, I am extremely concerned that LoanCare will do nothing to resolve this situation and that I will be at risk of foreclosure. 

The LoanCare customer service representatives have repeatedly assured me that they have " escalated '' my case in order to remove the payment block, but it remains in place today.

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 2022-12-17 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XXXX of 2019 the truck I purchased thru credit acceptance stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there credit acceptance sent a warranty rep. An he approved repairs. XXXX or XXXX days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! Credit acceptance called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither credit acceptance not I have possession of said truck... it got sold.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MO

Complaint narrative:
On or about XX/XX/2022, I requested my consumer file from LexisNexis via their online portal. On or about XX/XX/2022, I received a response that they were unable to process my request because they could not authenticate my identity. The correspondence directed me to resubmit my request, via the online portal. On XX/XX/2022, I resubmitted my request via the online portal. On XX/XX/2022, I received another identical correspondence from LexisNexis stating they were unable to process my request because they could not authenticate my identity. No specific reason has been provided by LexisNexis stating why they could not authenticate my identity. I submitted all relevant personal information, including my social security number and Missouri driver license number, yet they still refuse to provide my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I took out a student loans in 1994. I consolidated later and my loans were no longer with Nelnet. While my loans were with Nelnet they illegally charged me a XXXX interest rate when the federal cap was XXXX. I reached out to Nelnet and they did nothing. I reached out to the Ombudsman and although she agreed what they did was in violation of Federal law, she said I had no recourse since I had consolidated my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have filed a complaint that was closed XXXX However, Wells Fargo has still not answered my question ( they simply sent a letter that stated the same script I was read on the phone )

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 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX XXXX  the truck I purchased thru XXXX XXXX stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.

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 2022-12-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX of XXXX  the truck I purchased thru XXXX XXXX  stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX  XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
This is a letter that was sent to an attorney describing what happened : Hello, I found out today when I went to open a new checking account with XXXX XXXX bank and was denied, that XXXX XXXX XXXXXXXX has filed a claim of suspected fraud against me with ChexSystems and possibly XXXX XXXX XXXX. I have filed a dispute with ChexSystems and called XXXX XXXX XXXX  to see if there is a claim against me with them, but It will take 5 days to hear back from them. 
Last month, I opened a new checking and savings account with XXXX XXXX XXXXXXXX. They made 2 small deposits into my XXXX XXXX XXXX checking account to verify. The deposits were then removed. After this, I did an ACH transfer for {$4000.00} from my XXXX account to my XXXX account. While this transfer should have taken up to 3 business days to complete, it ended up taking much longer and both XXXXXXXX XXXX and I were becoming concerned. I was in constant contact with both banks. After many hours of speaking to reps from XXXX XXXX XXXXXXXX, I was getting nowhere. Finally, I spoke to a XXXX XXXX and ended up in an argument with her over this. They were not helpful whatsoever. 
Ultimately, I spoke to a manager at XXXXXXXX XXXX  who advised that they would be able to have their ACH department go in and retrieve the ACH deposit back from XXXX and not to worry because there is a paper trail for all ACH transfers. Turns out that the day the ACH finally was processed and appeared at XXXX, the manager at XXXX ( unknowingly ) went in and had the funds retrieved. I believe this is where the problem lies, but I am uncertain. I have not had any luck with XXXX XXXX XXXXXXXX. Immediately after this, they closed both of my accounts. They told me they will not reverse the claim, will not provide any further information and to contact ChexSystems, who will negotiate with them. 
To be clear I did not commit fraud, nor did I try to and I need this removed from my record. I can lose my job over this. Its extremely difficult to get anywhere talking to these banks and agencies. I have records of the transfer and deposit. I also have my statement from XXXX showing the withdrawal and then the credit back into the XXXX account from XXXX. 
I was going to go to XXXX XXXX XXXX XXXX XXXX this morning to speak with a branch manager to see if they have any leverage in speaking to XXXX XXXX XXXXXXXX XXXX because trying to call XXXX ( which is now XXXX XXXX XXXX XXXX ) is futile. They arent even accepting calls at this point in time because of the recent acquisition of XXXX Bank XXXX XXXX XXXX XXXX. 
I honestly do not know what else to do. Can you help?

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 2022-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2022 I received a letter from Bank of America about PMI Cancellation.

For the past few weeks Ive been trying to get clarification about language used in the letter. 

Ive sent several emails. I missed a couple of calls from a number from Bank of America but not one time did the person leave a voicemail as to whom to call back. Very unprofessional to call but not leave a voicemail. 

I then received an email from an unnamed person saying they called me. 

I replied to the email stating the best way to reach me is by email and if they could answer the two questions below : 1. Please explain what the PMI cancellation letter means when it statescancellation will require a good payment history???

2. Does my account meet the criteria for good payment history to have PMI Cancelled?

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 2022-12-17 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: NY

Complaint narrative:
In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.

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 2022-12-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
Someone gained access to my Paypal account and made 4 fraudulent transactions sending money to email addresses we know nothing about for a total of {$130.00}. We have contacted PayPal several times and keep getting the same response from them with no reversal of these transactions or any other information " We have completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. '' We've tried reaching out to PayPal again getting the same arbitrary or no response. 

We believe this entity is still actively trying to access our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an email on XXXX XXXX that capital one was closing my account and will send me my remaining balance from my checking and savings account to my address on file in 7-10 business days. I called and was told that no one can tell me why my accounts was closed or when the bank will release my funds. Its 12 days later and capital one still hasnt released my funds from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was reported deceased illegally trought all 3 credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money XXXX XXXX XXXX XXXXXXXX XXXX so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in XXXX false information to all credit bureaus force me to have no credit an lose money an benefits

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 2022-12-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is XXXX. I have paid XXXX on the XXXX  debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX  points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?

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 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX Date : XX/XX/2022 Account XXXX XXXX XXXX Date : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 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