vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
My wife at the time and I purchased the house in XXXX with a 10 year interest only loan before the mortgage bubble burst. The original loan was with XXXX before being sold to a private investor that use XXXX  XXXX XXXX. After the loan was sold we tried to refinance but could not find any assistance because the house was upside down and our loan was not with XXXX XXXX or XXXX XXXX. Before the 10 years was up my wife and I divorced and I tried for a modification because of the loss of income and received a modification with a 5 % interest rate while the national average was a little more than 2 %. This was in XXXX. At the time my credit score was roughly between 830 and 840. I was told I did not qualify for any programs the government was providing because my mortgage wasnt under XXXX XXXX and XXXX XXXX. This was is the response we would receive from XXXX XXXX XXXX whenever we try to refinance like other neighbors with homes that were valued less than what they paid for. I was not able to get the same assistance others in the community were receiving. Selene later became the mortgage provider and offered a modification at 6 %. Im looking for a reasonable mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
There are still inaccuracies on my Credit report, which are 2 Chase Act # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: OH

Complaint narrative:
Every year something was reported on my credit and not having my consent. I never instructed them to furnish this report, to create this report in the first place. 15usc1681a ( 3 ) 15usc1681a ( 4 ) 15usc1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.

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 2022-08-09 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: CA

Complaint narrative:
XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I tried to deposit a paper check into my account via mobile deposit. I was told that I did not qualify for the feature of mobile deposit because I had an NSF after being double charged by a different institution. In effect, they denied me the ability to deposit money because I did not have enough money. The checking account is designed for people who travel extensively, which I do for work. They have in effect XXXX a key feature that makes the account viable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2021 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.

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 2022-08-09 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX 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 2022-08-09 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: AZ

Complaint narrative:
I hold a Bank of America ( " B of A '' ) Credit Card, and I want to inform the CFBP/regulators of what appears to be an unfair business practice regarding their autopay service. 

I paid the balance of my B of A card on XX/XX/XXXX. The payment resulted in a credit to my card account ( overpayment ). Because the balance was paid, I cancelled the autopay service on XX/XX/XXXX ( according to B of A records- they confirmed it was cancelled ). 

Today ( XX/XX/XXXX ), I received an email notifying me of a pending payment transaction of {$300.00} to be drawn from my checking account. I called the Bank, and the Representative ultimately informed me that nothing could be done- the payment would be drawn from the account despite the credit balance and cancellation of the autopay service. They initially claimed that the autopay was not cancelled, then corrected their statement with my persistence. They claimed that 5 day notice was required, and when I told them I did provide five days, they revised their response to 5 business days. 

However, the B of A Statement I receive states the following in the " Payments '' Section : " If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. '' I believe this is an unfair business practice - taking payments from customers where there is no debt to pay, and shifting / inconsistent responses regarding a deadline to cancel autopay that conflicts with their own documentation.

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 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The HAF department said they sent a payment XX/XX/XXXX and my morgage company saids they have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed my Edd claim back in XXXX and around XXXX they sent me documents stating that I had to prove my identity before I could get paid so it took a while for them to confirm my identity they just confirmed my identity XXXX and I started getting paid for my claim from XXXX but I noticed I was missing slot of payments found out Bank of America issued a card and payments back in XXXX that I never received I dnt know were the card was sent but I was in the process of confirming my identity so shouldnt have no card been issued but now they dnt want to refund me because of time but when your in the process of identifying you cant get no information on the account so there is no way for me to know this so that I could report it I just got identified thats why Im just now reporting it they keep denying my claim like every 3 days I have turned in like 10 reconsiderations.

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 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On this day XXXX XXXX XXXX I've contacted CONVERGENT OUTSOURCING regarding an invalid debt that's been furnished onto my consumer report. According to 15 USC 1692 ( g ) a debt has to be validated with proper document verification, also 15 USC 1692 ( g ) ( 5 ) states a statement upon the CONSUMER may request a copy of such verification of validation. So how could this be furnish upon my consumer report without valid verification.

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 2022-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/XXXX during the height of the pandemic, my wife and I separated. At that time she took her income and I was left taking on all the debt. She later left and I was stuck struggling. On top of that because of the covid situation I did have a reduction of income. I struggled, and thought my only option was to enter a forbearance with my mortgage company to get some sort of relief. Fast forward to XXXX of XXXX I was doing better and I elected to resume payments. I entered a loan modification process. During the process I discovered there were documents my wife, and soon after exwife had to sign. I had no contact with her nor did I know here whereabouts. I still don't know. The divorce is final and I can't proceed with the loan modification because the mortgage company refuses to accept my application because I can't get the quitclaim deed signed by my exwife ; even though my divorce decree explicitly gives me ownership of the home. I'm stuck. The crazy thing is I'm allowed to sell the home regardless of my exwife being on the deed but I can't refinance. It's so ridiculous to me. I get these " reach out if you need help '' and they thank me for my military service while screwing me out of my home. I continue to file for a loan modification to buy me sometime so i can find a solution but I'm running out of options. I don't know what to do and facing foreclosure. I can't believe this is being allowed to happen ; and apparently I '' m not the only one this is happening to. The pandemic has caused a lot of pain included tension in marriages that has led to divorces. Someone needs to be made aware of this because they are screwing people like me, who wants nothing more than to resolve this matter and keep my home.

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 2022-08-09 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: GA

Complaint narrative:
I have a business checking account with Chase Bank. I experience thousands of dollars in overdraft fees each month. On XX/XX/XXXX. 2022 I called Chase Business Banking customer service to inquire about the overdraft fees that are deducted from the account on the first of each month to determine when and how the overdrafts occurred. The customer service representative was not able to give a breakdown of the fees and pertinent information on which transactions may have caused the overdraft and when. Instead, she was only able to inform me that the fees were " aggregated '' monthly because of the type of account that I have. At this time, she also informed me that Chase bank could not reverse or refund the {$1300.00} in overdraft fees. I asked that she please change the options on the account that I no longer want any type of overdraft coverage and that if there are not enough funds to cover a charge be it ACH or Debit card Chase Bank declines such charges on my account. I asked for this because the overdraft charges have been so tremendous that they have caused undue hardship to my small business. The charges are accessed at the first of each month a detrimental time for my business and probably a lot of small businesses that are responsible for rent and payroll. On XX/XX/2022, after having opted out of overdraft coverages and any overdraft protection I again noticed tremendous overdraft fees accessed to my business banking account, this prompted yet another call to Chase Business Banking Customer service, and I was told the {$780.00} in fees occurred prior to my request to opt-out of overdraft coverage, I again asked for a breakdown of when and what transactions caused such coverage and the customer service representative was not able to help me. On XX/XX/2022 I received a notification via email that the account balance was below the minimum, I logged into online banking to discover a debit card transaction in the amount of {$490.00} had gone through and resulted in an overdraft of the account. I immediately called Chase Bank customer service to find out how this could happen ; the customer service representative informed me that I should probably just get a new debit card. This is a clear violation of my rights and the laws that govern banking institutions ; I asked the customer service representative to confirm that I would be charged an overdraft fee for this unlawful transaction, and they confirmed that I would indeed be charged a fee. I did not give consent to Chase Bank to pay any debit card transactions on my behalf when the funds were unavailable to cover such charges, in fact, I expressly asked Chase Bank not to pay any charges if the funds were not available to fully cover those charges. I am asking the CFPB to do a full audit on my account and to help me to recoup all unlawful excessive overdraft fees paid to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
When I was applying for a house they ran my credit and informed me that I had a collection in my credit report. I was surprised because I have never even received my XXXX credit card. My account was maxed out at {$200.00}. I was unaware of this transaction that it went on for years collecting interest over time. Now the balance is at {$480.00} no one ever called me to notify me about the bill or the account. Ounce I found out about this collection I contacted portfolio recovery and told them that this transaction that was made in 2020 was an unauthorized transaction. They told me that they couldnt do anything about it. That they just bought the account from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2022 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have been placed on Early Warning by some bank and it is preventing me from opening a account. I haven't been given any reason as to why and what's my next steps to deal with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was checking the balance in my B of A XXXX card account and found that the account had been drained of all its funds, {$2200.00}. I contacted B of A and they said they would review the issue and get back to me. I received a letter dated XX/XX/XXXX stating " no error has occurred and considered the claim resolved. '' Calling them again, I explained that I did not draw the funds out and that I was the only XXXX with the password. No other family member had that information. I tried to find out where the money went and all they would confirm was that it didn't go to my usual bank account, but they couldn't say due to privacy issues. I contacted them XXXX additional times to please investigate further and let me know where the money went. They would only say that it was a transfer to another account and the transaction in question was authorized and posted correctly to my account. Claimed Resolved. ( Received XXXX additional letters dated XXXX and XX/XX/XXXX duplicate to first letter ) Obviously, they didn't do much research. The evidence they sent me was a copy of my regular statement. No information was ever sent as to where the funds went.

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