vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a third party check from our Mortgage company XXXX XXXX XXXX This check was from release of funds from an insurance claim for property damage. When I deposited the check I showed the teller all the paperwork. They verified with my fianc that he signed the check over to me because of his work hours he is not able to make it into the bank. No one from the bank told me that both my checking and savings account would be placed into a restricted status. I went to the grocery store the following day and my card was declined. I called chase and they said they froze my accounts due to the large amount of the check. The check was placed in my savings account, because I knew I have to pay the contractors for completed work done to our property. Chase said I would need to wait until XX/XX/2022 for the check to clear. On XX/XX/2022 the check cleared and chase received the funds. They then closed my account and have not released the funds. I have called several times, they said they needed to verify the check with XXXX XXXX XXXX and my Mortgage company. I provided them with the mortgage company information and loan number. Even after receiving the funds and verifying the check with the mortgage companies bank and XXXX XXXX XXXX they are refusing to release funds. They have closed all my accounts and will not provide me with any information. This has effected my payroll deposits, car payment, and bills that are on auto pay. They are holing my funds since. XX/XX/2022 I have not been able to pay any of my bills and this is now effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
To whom it may concern : Without our consent there was multiples ACH transactions without our knowledge being debited from our savings account to at this moment an unknown wise account. Totaling a sum of XXXX in small transactions, such as XXXX and other amounts. These got undetected because we do have some legit payments with the same amounts such as vehicles loans, etc. 

Wise or chase have not been of any help at the moment. We are not even sure which legal steps to take either. 

I appreciated any help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX submitted my account to collections with contacting me by phone, by mail or digitally. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. The only way I found out about this account was via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
They change the remark back to PayPal close my account and they didnt. I closed the account on the day of my last payment. Check recording on the last day i paid. I was not 60 days late paying. One of paypal representatives told me i was on payment assistance and told me to give her {$20.00} for XXXX. I found out later i was never on payment assistance which put the account late. PayPal refuse to give covid 19 assistance. My credit history was good with PayPal until XXXX. They refuse to give me assistance. They fix my PayPal on my credit the change it back to the old reporting. On my my PayPal credit account its saids i closed the account and Im not 60 days past due nor collection. Please talk to the account manager at paypal not customer service s to get the right credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime is a prepaid credit account with no clearly defined minimum balance. I had a zero balance before I closed the account. Chime reported my account 30 days delinquent. 

Between XX/XX/XXXX, XXXX XX/XX/2022 CHIMEFIN/XXXX XXXX reported my account 30 days late. 

This account is currently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: PR

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. 
The XXXX Account of 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 : Also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was Chase account open under my name and was being used until someone maxed out the balance. 


I disputed all the information as soon as I was aware of it because it DID NOT match my mailing/physical address, phone number nor email. I reached out to the company and they demanded that it was me I even provided documentation that it wasnt. They then sold the account to a collection agency that keeps harassing me. 

THEY DID NOT REMOVE the incorrect address, phone number or email associated with that unknown person from my credit report They still did not DELETE the information nor did they remove it from my XXXX or XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I paid off my Sam 's Club credit card on XX/XX/XXXX. On XX/XX/XXXX, XXXX weeks after it was paid in full and the payment posted to my bank, they mistakenly showed a return payment and reversed the payment showing a balance once again {$680.00} which again shows on my credit report. I have contacted them 5 times and have been told it was a error and their backend department just needs to fix it. Two months later it still is not corrected and if I don't pay a minimum payment by the XX/XX/XXXX ( which I do not owe ) will show as delinquent. This account has been paid in full since the end of 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 monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XX/XX/XXXX I purchase tires for my XXXXXXXX XXXX at XXXX XXXX at XXXX XXXX Maryland the manager said the tires would be there that afternoon I didn't get a call or the next day so I decided to go there that Saturday morning. The manager said my tires arrived. I needed those tires because I was going out of town for XXXX XXXX. I told him to credit my synchrony card and he said no I had to call the district manager which I did never got answer nothing but a recording. I called corporate several times and they wouldn't credit my card so I talked to synchrony and the same problem. So I told XXXX the manager to credit my synchrony card which he agreed and I used my XXXX  my synchrony card is still showing a balance of XXXX. I called synchrony and explain what I did and to fax the two receipts which they received and still no credit on my card. The reason for switching my credit card is because I found out that synchrony has numerous of fraud suits against them.

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 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XX/XX/XXXX, I applied to PHH mortgage for removal of PMI from my monthly mortgage payment. On XX/XX/XXXX I paid {$150.00} for the required appraisal to support PMI removal. Shortly thereafter, the appraiser came to my house, took pictures/notes, and submitted that material to PHH.

In the subsequent months, I have called and emailed multiple times to various departments within PHH to inquire about the progress of the review of my PMI removal application. Multiple times, I've been told by escalation managers that they would call me back tomorrow or the week after. I rarely receive these calls back and have to call and explain the situation to yet another escalation manager. I'm told that I can not directly call the department responsible for removal of PMI. They have sent me 1 letter and 1 email saying they would get back to me within 30 days, which they have never done. 

I purchase my home for $ XXXX in XX/XX/XXXX. My loan amount was $ XXXX. As of XX/XX/XXXX, when I requested PMI removal, the appraised value of my home was well over $ XXXX, easily meeting the required loan to value threshold for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: OH

Complaint narrative:
I have disputed this info since XX/XX/2022 My experian inquiries are XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX inquiries are XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: WA

Complaint narrative:
In XXXX, Huntington Bank put force-place insurance on my home mortgage despite my insurance agent sending them proof-of-insurance two times. I was able to provide proof-of-insurance in XXXX, and the force-placed policy was removed. The escrow account was then adjusted to remove any charges of the force-placed policy. There was XXXX dollars owed for the cancelled insurance, and no net change to my escrow amount as a result. 

Despite this fact, Huntington Bank still charged me for the cancelled policy, and then reported me as late to the credit bureau despite me paying on time. 

This has happened to me multiple times with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Freedom Mortgage company has not sent me the refund due on my escrow account from the house I sold, closed on XX/XX/XXXX of 2022, it is now XX/XX/2022. The amount owed to me is {$2900.00}. 

They did send a letter dated XX/XX/2022 claiming that I haven't yet cashed the escrow refund check which they claim to have issued. I therefor called them to have a new check sent out because the first one never showed up. I verified that they have my correct current mailing address. They offer no proof that they ever sent the check. They claimed to have issued and sent a second replacement check dated XX/XX/2022. I called a second time on XX/XX/2022 to ask what happened to the second check and to ask for proof that they had issued and sent it. They only offered a voided copy of the first check but no proof of mailing it. They said they would overnight-mail a third check, but that has also not happened and they were not able to provide any tracking number or proof of mailing it. 

I have had no other issues receiving mail at my address. I believe they are not sending the checks in hopes that the XXXX days will expire and then I will lose the funds.

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 2022-12-10 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:
For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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:
For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.

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 2022-12-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this info since XX/XX/2022 My XXXX inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax inquiries are XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: MOHELA
State: MI

Complaint narrative:
I have been eligible for the discharge of my student loan balance of {$120000.00} since XXXX XXXX. As a federal government employee since XX/XX/XXXX, I have made XXXX qualifying payments under the XXXX XXXX XXXX XXXX program. It is now XX/XX/XXXX and I have received no discharge from Mohela, my federal loan servicer. Mohela has not acted in good faith or expedience in communicating with me and discharging this debt under a reasonable timeline. I request that they be contacted to process my discharge or provide an explanation as to why they continue to delay this discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Siggi LLC
State: NC

Complaint narrative:
I have been a customer of Omni financial beginning XX/XX/2019. Since this time I have taken out 2 loans with their company and have made all payments on time. I am XXXX XXXX military and recently applied twice to have XXXX XXXX civil relief act ( SCRA ) benefits applied to past and present accounts in which my interest rates would be capped at 6 %. I provided all necessary documentation in my request including the state references that extend benefits to service members whose home of records fall within the key provision states. Certain states extend XXXX benefits to loans that were acquired during XXXX XXXX service, Ohio being a key provision state. I provided all necessary documentation with my request to Omni Financial specifically stating my request and was met denial from the XXXX compliance and risk XXXX, XXXX XXXX each time. My requests were very detailed in the explanation of the extended XXXX benefits provided by the key provision states and each time XXXX XXXX XXXX deliberately ignored any acknowledgement of those benefits. I am hoping to receive some assistance with my complaint regarding this matter. Thank you and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: NJ

Complaint narrative:
A Medical Provider Patient First is attempting " Balance Billing '' for a Covid test XX/XX/2020... .The Bill has been sent to a collection agency. It is my understanding that Covid tests at that time were free. It is also my understanding that per the provider 's contract with XXXX they will accept the approved amount as full payment. For reference the " No Surprise Bill '' was not in effect at the date, however even at the date of service per their contract with XXXX a provider had to accept the reimbursement from XXXX as full payment... .I have XXXX XXXX that I owe {$0.00} for this service. The Credit Collection Agency is : Receivables Management Systems P.O. XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XXXX XXXX deposited a check from my business account at XXXXXXXX XXXX to my personal account Chase ending in XXXX with the amount {$12000.00}. It was my mistake that forgot to sign on the front of the check, and the check didn't go through. However, the chase bank sent me a message that " ATM Check Error '', and overdraft my account {$12000.00}. I have tried to call the customer service, and they transfered me to 3 persons, let me wait over 30 minits and the last represensirive is rud and she said she can not see anything, and refuse to assist me and hand off the call. 

It does not make sense that I owe chase bank {$12000.00} in one night and they may charge my overdraft fee.My wife has tried to transfer {$1000.00} to the account to see if it can balance back, failed. And I don't know what is the next step, should we continue deposit the money to the acount or continue using this account or not. cause it is minus {$12000.00}. It is my first time to have this kind of issue.

Company response to consumer: Closed with explanation