vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I initiated a deposit for {$4000.00} on XX/XX/XXXX using the mobile application but their application stated it was too much for the deposit through the application. I then when to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CO XXXX and deposited the check with XXXX, the branch manager. I let him know that I was depositing this check because it hadn't accepted the check. He took the check and deposited but It was never credited on XX/XX/XXXX. When I receive an email on XXXX stating my {$4000.00} dollar deposit was reversed, stating it was a duplicate deposit but on my XX/XX/2023 Chase Bank statement, it only shows my original electronic deposit completed on XX/XX/XXXX. When I called the customer service stated it was cashed at a different financial institution but when I called my XXXX XXXX  where the check was written, it was only chased on the original date of XX/XX/XXXX and processed on XX/XX/XXXX. The last printout of Chase I requested showing my transaction history only shows the one time deposit but at the bottom of the Chase statement, it shows that on XX/XX/XXXX, it states the check was deposited at Chase on XX/XX/XXXX but again, never credit. The funds have been removed from my XXXX XXXX  account and I was credited the {$4000.00} once then removed on XX/XX/XXXX from Chase. Chase has not done the proper research to show the check was credit twice. Yes, it was deposited twice but credit was only given once and withdrawn once on XX/XX/XXXX which leaves my credit of XXXX. I provided them bank statements and printouts from my XXXX XXXX  showing it was withdrawn only once but they're refusing to credit my any {$4000.00} on my Chase Checking account. I'd like to receive my {$4000.00} in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I overpaid the Ally Lending account # XXXX XXXX XXXX XXXX in XXXX of 2022 by {$100.00} and have requested reimbursement numerous times. 
Customer service agents say they mailed the check in XXXX of 2022. I have called them each month since then to follow-up ( 7 times as of XXXX ) as I have not received the check or any checks at all. 
I do receive their paper statements each month in the mail and I have verified my address with them each time I call. 
It has become very frustrating to hear that this bank can't refund or find another way to reimburse me. They say that cancelling and re-issuing a check is the only way. But the check never gets here. I requested a tracking number or proof that they have in fact mailed the checks. But they say they can't provide any other method of payment. I just spent 40 minutes on the phone with them and numerous supervisors ( XXXX, XXXX, XXXX, XXXX ) have juggled me around and they don't come up with a solution to simply refunding me the money with another method or providing me with a tracking number for my check. 
I'm attaching a few statements for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have a credit card with Ashley furniture/ synchrony bank . I have 2 purchases going on at the same time right now. One is no interest if paid by XX/XX/2023 and one is fixed apr until paid off. Every time I make a payment the wrong amount goes to the wrong purchase. I believe this is so that I end up paying interest on the purchase that is no interest if paid by XX/XX/2023. They keep putting my payments to the purchase that has interest when I specifically have called them multiple times telling them to allocate certain money to my 2 purchases. Customer service is horrible and I am told to do one thing and then later told that is not what I should be doing by different customer service representatives. I have also spoken with a manager by the name of XXXX from synchrony bank and all he did was apologize but not fix the situation at all. I am not happy and will never do business with Ashley furniture again due to this situation happening to me currently. It has caused me a lot of stress and anxiety financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: LEXISNEXIS
State: OH

Complaint narrative:
The education loans have been completely discharged and should not be reporting over 10 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 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 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
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NV

Complaint narrative:
I have not received any information/correspondence/phone calls on what this debt is. It just showed up on my credit report about a XXXX  ago. I have lived at the same address and had the same cell phone number for over XXXX years so getting a hold of me should not have been a problem. I pride myself on my excellent credit and would not let something go to collections... especially for {$250.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I got an email saying my wife and I needed to sign some documents. When I called to see what it was about they said my wife ( whos been with chase for years ) was not a citizen of the US and she had to come prove it. So she did. Then, they said I had to come sign something as well. I did. They day I did they froze my account. 

I went to the branch of Chase bank where I set up the account, where after a couple hours, XXXX said he couldnt figure out what was happening, but not to worry, I could leave and he would call me by XXXX. He never did. 

The next day I went back to the bank and spoke with XXXX XXXX XXXX. She was very apologetic, but could offer no solution, and said to leave and she would call me when her business banker XXXX XXXX, was available. 

XXXX was the one who set up our business account originally and messed it up dismally in the beginning. She pretended not to be available and had XXXX call me back and direct me to go to a different branch on the other side of town and speak with XXXX XXXX, who had the solution. XXXX said if we went there, the problem would be resolved. 

Keep in mind my wife and I are running a start up business that takes a lot of time to operate. 

So, we both dropped what we were doing and drove to this other branch. We spent a few hours there with no solution once again. 

Meanwhile customers are unable to pay me and Im unable to access my business funds. 

So then comes Monday ( today ). I had several clients and meetings until XXXX XXXX when I finally made it back to Chase on XXXX, my home branch. 

I was told to wait in the lobby ( another hour gone ) until after consulting with XXXX XXXX right in front of me, XXXX came over and told me to go back to the other branch so I didnt have to wait At this same time my phone rang, and it was XXXX XXXX XXXX saying he may have a solution, but that my wife and I needed to be there together again. 

So, ad it stands, we have another appointment in an hour ( XXXX ), meaning this is the 3rd entire day weve wasted on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1. Bofa told me that my savings account can avoid the maintenance fee if I maintain a balance of at least {$500.00}. 
2. I have a balance of at least {$500.00}, but Bank of America still charged me the {$8.00} maintenance fee on 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 explanation
Consumer complaint received 2023-05-15 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MI

Complaint narrative:
XXXX  XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/XXXX, Navy Federal increased my interest rate from 5.49 % to 15.35 % on my used auto loan. The reason for the increase was they never received a title with Navy Federal as a lien holder. I opened this loan in XX/XX/XXXX and never received any written correspondence from Navy Federal about this matter. Navy Federal could not provide any proof they sent any correspondence giving me notice that they did not have a title in hand. I discovered this matter when I noticed the interest rate increased. After I provided the title with Navy Federal as the lien holder, on XX/XX/XXXX, Navy Federal converted my interest rate back to 5.49 %, effective XX/XX/XXXX and not XX/XX/XXXX. I have requested for Navy Federal to backdate the change to XX/XX/XXXX but they have refused, stating that they did not receive the title until after their 90 day grace period. This is incredibly unfair because I was under the impression that the dealer I purchased the vehicle from submitted the title to Navy Federal. After researching this matter with the DMV, it turns out that the dealer also did not submit the title to the DMV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 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:
I notice that my credit report does not update every 30 days as supposed. Also, my report reflects a debt amount that is not correct. I also typed and mailed a certified letter stating my Current name, address, employer and number that I wanted only my report to reflect and that was not updated correctly. I have called several times to experian to get these issues resolved and I'm always given the run around or being transferred to different people and no one still helps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I cancelled my credit card with Barclays via the phone on XX/XX/XXXX. The total balance due was {$36.00}. I sent a letter acknowledging that on XX/XX/XXXX along with a check for {$36.00}. Barclays never closed the account and never deposited the check. As a result of Barclays incompetence they have decided to ruin my credit. My XXXX score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I have copies of the letter to Barclays and they certainly have my phone calls recorded. 
I own a successful multi-million dollar company, am totally debt free and can/and do pay cash for my purchases. 
What Barclays is doing is wrong on every level. Ask them to pull the recordings of our conversation on 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 2023-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
The mortgage company said my escrow was short and they had to bill me more, I filed a complaint saying it was wrong, they answer the complaint with consumer finance government saying they was correct and I was wrong, consumer finance closed out the investigation saying they answered. However a month later mortgage company came back after I have been paying increased amount because of the escrow shortage which it never was to say my escrow was a surplus and too much was paid by their calculations. Now they are saying I am storage again for the last 90 days my mortgage has increased. They are stealing or misapplying monies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Over 2 months ago I settled a collections account with XXXX. And it is not being showed as settled. On my credit report it shows only half paid and a late payment, when this account was settled and paid off back in XXXX. I've spoken with Convergent Outsourcing several times, they say they will fix it but never do. Please help just get this debt off my 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 2023-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
I initially did an application for a loan in XX/XX/2022. With Simmons Bank on XXXX XXXX, in XXXX, TN. I did everything she asked I was patient when she told me i should wait to file my Tax Return. After I filed my returns and we were moving forward, every week there were something different I needed to submit. She would never return calls, it was always a text, i would wait days for a return call. Finally we were at the point of getting ready to be looking for a house and she called me and told me there were no grants/funds available at their bank to offer clients for closing. I looked on their website and they have over XXXX XXXX dollars in grants. I was appalled because XXXX XXXX XXXX knows how important it is for me to purchase a home. I stressed to her the entire time I was working with her how ; I had my brother that got killed in a collision, made a promise to him to purchase a home.. I feel like a failure and I wasted six long months of my life to be lied to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX Is Reporting Duplicate Acct on My Equifax report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation