vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted my financial institution about unauthorized charges on my account. These charges were piling up unbeknownst to me because the form of payment I use most frequently is XXXX XXXX, so I did not realize my debit card had been stolen/missing. After contacting my bank about this issue, they initially were helpful and reversed all unauthorized charges to my account and a new card was issued to my account. After sometime I resume using account as usual thinking the situation had been resolved only to login to my account weeks later and find every charge initially credited to my account debited again WITH multiple nsf fees. This caused my account to be overdraft by hundreds of dollars, and has put me in an extremely uncomfortable position financially as I am a XXXX  unable to makeup for what Chase took from me. When I called them about this issue the only explanation they could give me was that they reversed their decision because of geographical similarities in the unauthorized purchases and my regular purchases. This is not a significant enough reason to decline a fraud claim. I informed them it was very likely my card information was stolen by someone very close to me/in my area. I do not have a history of fraud claims or suspicious activity on my account. In fact, i have NEVER submitted a fraud claim before, and the fact that this was the " resolution '' they could offer me is unacceptable because not only did the bank NOT provide any help of significance to rectify my account, they actually made my financial situation worse. A police report has been filed and am seeking a PROPER reimbursement of all unauthorized charges and NSF fees from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute with Transunion on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX regarding an inaccurate listing on my credit report from XXXX XXXX XXXX. I opened up a credit line with them in XXXX. The credit line was never used and there were never any balances owed on this account, however, when I filed a XXXX XXXX bankruptcy in XX/XX/XXXX, the company closed my account and listed it as a charge off. Transunion has not sent me the results of these investigations, other than stating my credit report was " updated ''. When I followed up with Transunion, they only told me that the company was confirming or validating the reporting. 

I volunteered to send proof to Transunion that the company was never reported on my bankruptcy because there was never any balance owed. Transunion stated due to a new open investigation they were not able to use my information to correct this inaccuracy. I was unable to get a copy of my Transunion credit report but am attaching a copy of my other credit reports as proof there was never a balance owed to this company.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There is a fiduciary obligation owed to me as I have given out my social security number, which the obligation is to act in MY BEST INTEREST financially. I asked synchrony bank as trustees to help me an I was hung up on. I expressed to them that they owe a fiduciary obligation an that breaching that duty could result in suspension or removal an I was abruptly hung up on. Not right. I NEED to get a loan an they are preventing me from doing that an refusing to help. That's a breach of fiduciary obligation which can take legal recourse.

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 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have an issue with Cash App. They charged me fees and made my account go negative for a transaction that occurred on XX/XX/XXXX. On XX/XX/XXXX, and for the next 2 days, there were sufficient funds in my account to cover the transaction, however, they waited 3 days to attempt to collect it from my XXXX  XXXX XXXX account, when there was no longer any money in the account. Therefore causing me to be negative. None of which was displayed on any of the recent transactions they had posted on my account page. I made XXXX deposits and XXXX other transactions between the time I sent the {$50.00}, reasonably thinking that the {$50.00} had been deducted from my bank account at that time, seeing as how my bank account showed that it had been taken out at that time. There was Nothing to indicate that they had waited and didnt attempt to take it until 3 days later, so having made deposits, sent money, amongst other transactions between the XXXX and the XXXX when the {$100.00} was sent to me there was nothing that would indicate to me that they were about to hijack almost all of it! and then when I had {$100.00} transferred into my account on XX/XX/XXXX, they took {$66.00} of it, again, never disclosing why, what for, or anything! There were no negative transaction posts, nothing notifying me how I went from {$100.00} to {$34.00} with no transactions in between to indicate what happened. So to anyone looking at the account transactions, it shows a {$100.00} deposit, and then a balance of {$34.00}. With no explanation of where the {$66.00} went. When I called, the man told me that with XXXX transfers, they can take 1-3 business days to complete, again, not disclosed in any way, and again, at the time of the transaction, it shows the amount deducted from my bank account, and the amount deposited into the cash app account, and then all of my following transactions afterwards! Never giving me any clue that I was spending money i didnt know that I didnt have! And seeing as how cash app is an instant money transfer app, that doesnt do overdrafts, how is it that they can allow you to spend money that they havent collected for you to spend!? Its setting people up for failure! Its not right, and they should be held accountable for non disclosure. I asked to speak to a supervisor and was told that I can not speak to one on the phone, that they will only communicate via email, which I think is asinine. I now have no money, and XXXX kids to take care of, and while {$66.00} is nothing to most people, its literally everything to me right now! Im super disappointed that cash app, a company that I have used for so long and trusted, and have never had this issue with before, is now for some reason screwing people out of money and setting their customers up for failure!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
XXXX XX/XX/2022, I agreed to a COVID-19 payment deferral agreement with XXXX. 
XXXX XX/XX/2022, XXXX wrote a letter saying my new monthly payment will be increasing by over {$1000.00} to {$4400.00} to make up for an escrow shortage. 
XXXX is requiring me to make up the escrow shortage over a 12 month period. 
If the shortage was spread over 60 months rather than 12 months, my payment should go up by only about {$200.00} rather than by over {$1000.00}. 
XXXX XXXX  requires that escrow shortages as a result of a COVID-19 payment deferral agreement must have the shortage spread over 60 months ( and not 12 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I opened a XXXX Banking account with Axos Bank and it's been a month and a half without being able to use the account. I am lucky I didn't transfer any funds right away!! They have had technical issues every step of the way that their customer service has been unable to figure out. At first, I couldn't get access to online banking. I never got the email ( checked all spam folders, etc ) to register for online banking and every time I called they claimed I needed this email and that they were resending it, but I never got it. I learned how to register it myself without the email and then every time I signed in it would sign me back out immediately. They couldn't figure out why. When I called, they would transfer me around XXXX or XXXX times and it would eventually just hang up. I finally figured out that you can't use XXXX to access online banking (! ) and have to use XXXX. All of these issues I'm having to solve on my own! Then my new debit card was returned to them, because they formatted my mailing address wrong in their database. I called XXXX  and they couldn't do it over the phone, so they had me send a secure message online ( which at the time I still couldn't access with their technical issues ) to verify my mailing address before they could send me another one. When I finally got the new debit card a week and a half later, I am now unable to access XXXX XXXX! I was on the phone with them for an hour being transferred XXXX times before someone knew what they were doing and had to have me change all my browser settings for their website so that I could even view their XXXX XXXX tab.. I have been waiting to use this bank account for almost XXXX months because of all of their technical issues and unhelpful customer service and I'm about ready to close it and start with a different bank! I am honestly worried about even conducting my business finances with this bank, just anticipating what new issues I'm going to run into with actual funds in my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 2022-12-08 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: MT

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record untiXXXX XX/XX/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 explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus Experian, XXXX and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 at XXXX I called to discuss the debt with the collection company. I was asking why my move out statement shows an outstanding balance of {$1000.00} but their charging me {$1500.00}. They stated they are unable to see the statement. I asked for the email address so I could forward it to them. The agent proceeded to inform me I have until XX/XX/XXXX at XXXX to pay the balance of {$1500.00} or else the would proceed with " legal action '' against 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
got this e-mail from Capitol one on XX/XX/22. 

" YOUR IMPROVED EXCLUSIVE OFFER : NOW YOU CAN EARN A LARGER CASH BONUS {$200.00} {$300.00} Your loyalty hasnt gone unnoticed, XXXX. 
XXXX added {$100.00} to your bonus offer. You can now earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
See application terms Click to get details " I was not really in need of a new credit card but I thought this offer was too good to pass up so I applied. My credit is excellent, my income is excellent, there was no need to get another CC but I liked this particular offer, especially the cash back part. I applied ; they did a credit check on me which immediately lowered my credit rating by XXXX points Capitol One declined my application for the original card that they were advertising and offered me a Credit card that did not include the bonus. To me this is a classic case of bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
To whom it may concern : In accordance with the fair credit reporting act, this creditor ( American Honda Finance ) has violated my rights under 15 USC1681 section 602 states I have the 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 creditor 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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1 ) Under 15 USC 1681s2it is the responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation. 2 ) XXXX XXXX XXXX  - is unable to validate this account. I have attached the proof from the dispute. XXXX ) XXXX XXXX XXXX - under FDCPA they are required by law to send out notice of this collection. I did not receive a 'warning ' this account will be reported to my credit, which indicates they have returned mail on file-they did not fulfil the requirements per law. 4 ) This inaccurate information has cause me harm to my credit and stress. 5 ) I have filed numerous notices to the CFPB regarding Experian which is refusing to answer my request. They keep saying they need 60 days. It has been beyond 60 days which puts them in violation of ignoring my requests.

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 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I contacted HSBC concerning payments not being applied to my account. The three payments were {$10000.00} paid XX/XX/XXXX, {$710.00} paid XX/XX/XXXX, and {$710.00} paid XX/XX/XXXX. All three payments were received by HSBC and I have an attachment to prove that they received the payments but did not apply them to my account. Each payments has a label suspense / unapplied. I spoke to a HSBC Supervisor and asked could she explain why my payments were not applied to my account. I informed the HSBC Supervisor why and where this money is being held and if she or someone else could explain. I informed the HSBC Supervisor that I sent a letter to the research dept and have not gotten a response. I asked her to get someone else to explain where my money is located and why it is not applied to my account. I informed the HSBC Representative that I was given a deferment in XXXX XXXX and it is not listed on the paperwork and the previous representative from HSBC asked me if I could prove that I made the {$10000.00} payments and the other two payments. I informed the HSBC Rep. that is the reason I paid you with a papercheck and sent it by certified mail. I wanted to find out why you were reporting to the credit bureau that I was two payments behind and owe {$55000.00}. I informed the HSBC Representative that when we started out the principal balance was a total of XXXX. The {$29000.00} amount included lawyers fees, insurance, and taxes that you paid. I wanted to find out why and how the amount get {$55000.00} and two payments behind. I called today XX/XX/XXXX and spoke to customer service and she gave me three balances : Principal balance XXXX Deferment balance XXXX, Escrow balance negative XXXX, and Corporate advances of XXXX. The total of everything added together is {$38000.00}. Im trying to find out how and why is the figure higher than what we started and where is my three payments that are in suspense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: PA

Complaint narrative:
Please remove accounts and inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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:
I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my Transunion, XXXX, and XXXX. I disputed the XXXX XXXX for {$13000.00} on my XXXX which was removed from Transunion and XXXX. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my 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