vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX Purchased home for {$170000.00} XXXX Requested loan modification due to financial challenges Rate : 6.3750 % Term : 30 years Maturity Date : XXXX Note Amount : {$170000.00} Signed XXXX XXXX Filed XX/XX/XXXX : Deed release XXXX XXXX XXXX from deed only. XXXX XXXX agrees to be responsible financially for property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Filed XX/XX/XXXX : Quitclaim Deed filed by JP Morgan Chase and appears it was forged. Signed by XXXX XXXX, XXXX XX/XX/XXXX. Modification Effective Date of XX/XX/XXXX. 

XXXX Did not receive a new modification loan agreement after XX/XX/XXXX until XX/XX/XXXX. 
Rate : 4.5 % Maturity date : 30 years XXXX JP Morgan Chase failed to provide payment history from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX filed a XXXX deed removing XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. 

XXXX Chase filed a quitclaim deed removing XXXX XXXX XXXX from financial obligations. It was signed by XXXX XXXX, XXXX XXXX with a modification date of XXXX. 

XXXX Loan Modification Agreement transferring it to FHA loan ( Never Approved ) Rate : 4.625 % Term : 40 years Maturity Date : XXXX Note Amount : XXXX Increased : {$13000.00} Signed by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX not sign due to FHA and the increase in principle of {$13000.00} XXXX XXXX XXXX XXXX countersigned XX/XX/XXXX Since effective date was XX/XX/XXXX the FHA XXXX listed above is negated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told about a reclamation on my account, but was not provided with supporting legal documents. Over six weeks of this process and still no results. My account was depleted to zero balance. My social security is my only source of income-I am retired.

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 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
When I open my account. They put me on a program payment security program with my authorization. I never asked them to put me on that program. And they put me on that program from XXXX to XXXX. The Program calling is payment security program. They charge me the amount XXXX I have a credit card amazon credit card from c SYNCHRONY bank

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 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Company needs to update " financial income standards by instead of asking for a number for income -- a question that asks if the end user has an annual income / salary rate

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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Back in XXXX, my debit card was pre charged for a hotel stay. During the check in process, the hotel cancelled this stay due to the fact I had a cat with me. When I had made the reservations their online page stated they are pet friendly or I never would have made the reservations. Nonetheless, the hotel reserves the right to cancel.

After 2 weeks and the funds from the cancelled reservations still had not reversed, I contacted my bank, BMO Harris. It took another 5 weeks after I reported this for BMO to issue me a provisionary refund. 
As of last night ( XX/XX/23 ) BMO reversed the provisionary refund, leaving my account negative {$500.00}. 
I had filed a police report in support of my claim. I provided BMO with a copy of the cancellation email I received from the hotels cancellation. I did everything they requested in order to receive my money back. Only for them to reverse the refund.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023 I sent letters to Transunion requesting an investigation into the information reflecting on my credit file. They never responded to my request so on XX/XX/XXXX, I filed a complaint with CFPB ( complaint # XXXX ) regarding Transunion failure to obey the law by violating my consumer rights. According to USC 1681i ( a ) ( 1 ) ( a ), '' if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct an investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law and they are continuing to disregard the law, clearly!! 

On XXXX XXXX I received correspondence from Transunion addressing 6 of the 16 items that was disputed. The letter had a date of XX/XX/2023 ( coincidentally ) but one of the items that was listed in this letter from Transunion, was not removed from my credit file until a day later on XXXX as my membership with myFICO informed me of this changed on that day. So basically, not only did this company fail to respond within the 30-day period allowed by law, but they also then tried to cover it up by only responding after my complaint to CFPB was filed! I have the proof of this and will attach it to this complaint as well as the original complaint.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ts seem after several attempts Experian has failed to validated multiple accounts I have asked experian provide me with a signed contract or delete these accounts and they have failed to do so

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: MN

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!!

Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
its seem after several attempts Equifax has failed to validated multiple accounts. I have asked Equifax provide me with a signed contract or delete these accounts and they have failed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
For the past two weeks, Ive been depositing {$60.00} into the account. Twice, theyre saying that my accounts been flagged for suspicious activity but its been since the account was made. They tell me to wait it out, but its been two weeks and I want access to my money. I have {$120.00} sitting in the bank. Deposited {$60.00} each ( sept. XXXX and XXXX ). Venmo, the XXXX XXXX XXXX, says they have to follow rules and theres nothing they can do and to wait a few hours after its been weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Noticed some accounts on my report that were not authorized. Reached out to creditors but no luck, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Noticed some accounts on my report that were not authorized. Reached out to creditors but no luck, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
XX/XX/2023 attempted to make a payment online. Red error message pops up reading " we're sorry - an error occured. Please try again '' I tried again today XX/XX/2023 I believe they are preventing me from paying down accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I had some issues about 3 weeks ago where transactions were declined. When I asked Goldman Sacks/Apple , they couldn't or wouldn't tell me what was happening. Eventually the card started working again. 2 days ago I looked at my Apple Wallet and noticed the card was locked. I opened in inquiry into why but they wouldn't tell me anything. I did notice that the card was working for a few subscriptions but that was all. 
I tried to add the card to a new phone and I can't add it. I asked for a status again and they won't tell me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
Dear CFPB I am writing to file a formal complaint against CURRENT concerning an issue that has had a significant adverse impact on my credit score. I am seeking the CFPB 's assistance in rectifying this matter. 

On XX/XX/23, I discovered that CURRENT had reported a credit card account on my credit profile, which was, in fact, a debit card account. This erroneous reporting displayed a {$0.00} balance and an associated credit limit, despite this not being a credit card account. This inaccurate reporting has led to a decline in my credit score by over 107 points.

I have made multiple attempts to resolve this issue with CURRENT by contacting their customer service. However, they have been unresponsive or unable to correct this error. 

Attached, please find my credit report from XXXX XXXX AND XXXX showing the inaccurately reported credit card account. 

I kindly request that the CFPB investigates this matter and intervenes to have the inaccurate credit card entry removed from my credit reports. This error is causing financial hardship and hindering my ability to access financial products and services. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me I'm in the process of buying a house for my family in these fraudulent accounts are hurting me. Please remove this from my consumer report as soon as possible.

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 2023-09-23 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: WI

Complaint narrative:
I submitted a request to change to standard repayment plan XX/XX/XXXX. Estimated processing time of 5-7 business days. As of today XX/XX/XXXX, it is still listed as processing. I called XX/XX/XXXX to inquire about expected processing time, as payments are set to resume. I was not given an approximate time frame. I was only told that IDR requests from XXXX were now being processed, but she had no information on other plans. Deferment was offered, which I declined, as I am less than a year from forgiveness for the majority of my loans and I'm hoping this is addressed prior to the day my payment is due. I was also provided information on applying for the IDR/SAVE plan and then the auto enrollment for payments to save {$5.00} on my loans, which I declined, as I'm still waiting for one form to be processed and I do not trust them to take the appropriate amount every month. Online message was sent XX/XX/XXXX. Expected response time of 3 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently reviewed a copy of my consumer report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me. I'm in the process of buying a house for me and my family and these fraudulent accounts are hurting me please remove this from my consumer report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company said they pick and choose which transaction they allow to be paid. Apparently it t is the smaller transactions. Also they do mot adhere to their two day wait until charges are charged on negative balances.

This has be happening multiple times and there is never an explanation until recently a banker asked me if I had an auto deposit, which I do have two direct deposits for this account.

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 2023-09-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased goods from XXXX for XXXXXXXX XXXX The XXXX wanted additional money that was not included in the XXXX. I refused to pay the extra money and the visit became unpleasant so I left but they didnt refund me and the bank declined to approve my dispute. So the vendor stole my money

Company response to consumer: Closed with explanation