vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Requesting a copy of my signed application with terms and benefits. To answer whether Chase advertised for any credit for new applications on XXXXXXXX XXXX during XX/XX/2022 and specific dates and promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have federal student loans and should qualify for public service loan forgiveness. My loans were serviced by XXXX and I applied in XX/XX/XXXX and certified 24 years of public service ( yes more than just since XXXX ) after finding out that years of yearly certification forms that I faxed to XXXX were not documented. 

My last PSLF update count was this spring at XXXX. With the announcement that there will be a one-time forbearance count added ( if more than 12 consecutive months or 36 months total ), I should be well over the 120 months. I understand that there were some adjustments last XXXX and the adjustments restarted in XXXX. 

My loans are now with Mohela. My complaint is that each time I call to speak with a representative about my forbearance counts being applied, I get a different answer- ranging from forbearances wont be counted or counts wont be done until XXXX ( which is incorrect because a multitude of others in a similar situation have had theirs applied and are now loan free ). I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX. I was supposed to get a response within 15 days but still have received nothing and it is XXXX. 

Due to the transparency of the large social media groups regarding PSLF, there appears to be disparate treatment of loan holders- no transparent system or order to forgiveness. I can not get any answers on what if anything additional I must do. It is frustrating as I see others who applied for PSLF almost a year after I did have their forbearance months applied and now have forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
in XXXXXXXX XXXX XXXX I was put in collections for a utilities bill of {$100.00} from XXXX XXXX in XXXX Tx. This was not from my house nor from my city. I called the agency and spoke to them about the fraud they asked me to make a police report and after talking with XXXX it was taken off of my credit report. now months later another collection agency mercantile adjustment bureau is claiming I owe the same amount {$100.00} from XXXX XXXX in XXXX Tx. the police case number is XXXX and I spoke with XXXX again and they said they would dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Repeated calls from telephone numbers XXXX, XXXX, and XXXX. These are Virginia telephone numbers. They never leave a message. I have no dealings with anyone or any company in Virginia. My phone blocks the calls and lists them as " Fraud Risks ''. The XXXX number called me ten times on XX/XX/2022, the XXXX called seven times on XX/XX/2022 and the XXXX called 8 times on Saturday, XX/XX/2022. The XXXX number has called once today, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc.
State: NC

Complaint narrative:
Rozlin Financial Group , Inc. ( RFGI ) has been harassing me for a " debt collection '' that I never entered into with their client, XXXX XXXX. I made a direct Credit Card purchase with XXXX XXXX via their online store. I purchased with my approved credit card, and XXXX XXXX sent me my products. I thought the transaction was concluded. Almost eleven months later, I was contacted by XXXX XXXX, who indicated that through their internal process failings, they never completed the merchant services transaction. As such, they want me to pay for the products again, which sounds to me like I was expected to pay for my products twice. I refused to pay because if they had internal issues in which they neglected to complete the transaction, this was their issue, not mine. I did nothing wrong in this transaction as I considered this transaction paid in full eleven months prior. One should ask why XXXX XXXX shipped the product ( s ) when the transaction was incomplete. Plus, I could not confirm the transaction on my end as the card used was long closed. XXXX XXXX sent me to credit collections even though I never entered into a credit agreement with XXXX XXXX, and my collection was sold to Rozlin Financial Group , Inc. ( RFGI ). RFGI has been harassing me via telephone calls and threatening emails to pay for a debt that was never a debt in the first place. I have requested that RFGI only communicate in writing with me and stop harassing me otherwise. I have also requested RFGI to provide me written proof of a signed contract with me and XXXX XXXX for a line of credit for receiving their products.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased an XXXX XXXX online from XXXX. On the very same day I canceled the order because we found out due to school regulations my son couldnt take this type of battery type item to his school. We immediately contacted the company but they shipped it anyways claiming a time difference made them not see cancelation. They told us to reject the XXXX package when it arrived and it would be returned to their warehouse in XXXX, California. On XX/XX/XXXX we REJECTED THE PACKAGE AS INSTRUCTED. On XX/XX/XXXX it made it back to XXXX XXXX in XXXX, California and was SIGNED FOR AND WE HAVE PROOF OF DELIVERY XXXX AND NOTIFICATIONS FROM XXXX. The XXXX company of course has given us the runaround for 7 months claiming they are in XXXX and need to XXXX XXXX with their warehouse guy if he got it, I EXPLAINED HE SIGNED FOR IT!!! NEEDLESS TO SAY 7 months later I still have no refund of the {$270.00}. Upon researching and talking to many people they said but you used a CREDIT CARD and credit cards provide CONSUMER PROTECTION!!! I have had both of my disputes with DISCOVER CARD denied. They RIDICULOUSLY claim I need written proof on XXXX XXXX that XXXX exists at the XXXX address. XXXX told me this is the most ridiculous thing they returned it to sender and gave me proof but DISCOVER says its not good enough proof??????? I have been a DISCOVER CARD holder for nearly 30 years and this is the first thing I have ever asked for help with and I will NEVER ever use Discover again. Please help my son still doesnt have a birthday gift 7 months later because I need the darn money back that is RIGHTFULLY AND LEGALLY MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received a text message from Chime Bank ( my bank account ) stating that my phone on record had been changed to XXXX XXXX XXXX ( not my phone number ) and my email address had also been changed to an unknown address. I tried to notify Chime but I had been locked out due to the phone number and email change. By the time I was able to rectify and gain access again, {$1200.00} had been used to an unknown purchase ( XXXX XXXX ) in that amount. I told the bank that I did not make that payment and had to file a dispute that was denied a few days later. Yesterday XX/XX/2022 I re filed the dispute with Chime and am waiting for a response. The money that was taken was my direct deposit from the XXXX XXXX XXXX XXXX XXXX XXXX  that had come in on that exact date XX/XX/2022 I'm XXXX XXXX XXXX XXXX and need that money to pay bills, buy food, buy XXXX presents and to XXXX  until my next direct deposit, which I will be sending to another bank account. The same thing occurred on XX/XX/XXXX to me and {$1000.00} was taken from my Chime XXXX XXXX account. That was refunded by Chime a few days later. I really expected Chime to realize that the XX/XX/2022 theft would also be refunded. My suspicion is that the person/persons who did this is a Chime employee because they knew exactly what date my direct deposits came in. I live XXXX  and nobody else in the world knows that but myself and a Chime employee. Please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a delivery purchase from my local XXXX. The total charge pre-delivery was {$220.00}, and that charge immediately posted to my checking account. The largest item in the order was unavailable and, therefore, not delivered. XXXX adjusted my receipt to read the cost of the items I actually received : {$130.00}. A difference of {$88.00}. I received the adjusted XXXX receipt on XX/XX/XXXX. 

On XX/XX/XXXX, I noticed the full charge of {$220.00} was still pending in my account and I contacted Chime customer support via live chat. I was told, by that agent ( pages 1-2 labeled XX/XX/XXXX in the attached documents ) that XXXX had cancelled the transaction for {$220.00} and the difference would be returned to my account when the charge was settled. The important fact here is that on XX/XX/XXXX, the Chime agent knew that XXXX had cancelled the original transaction of {$220.00}. 

On XX/XX/XXXX, the XXXX transaction settled and the charge was listed on my account for {$130.00} as made on XX/XX/XXXX. ( page XXXX of attached documents ). However, instead of the difference of {$88.00} being retuned to my account, Chime listed it as a charge ( page 2 of attached documents ). When I clicked on the transaction for - {$88.00} on XX/XX/XXXX, it stated it was an authorization hold that would expire within three business days. 

On XX/XX/XXXX, I contacted XXXX customer support via live chat to make sure that they were not still encumbering the {$88.00} in any way. This conversation was saved and is contained in pages 1-2 labeled XX/XX/XXXX of attached documents. 

On XX/XX/XXXX, the status of the transaction for - {$88.00} had changed to " pending. '' ( page 3 of attached documents ) I waited three days ( from XX/XX/XXXX ) and on XX/XX/XXXX, contacted Chime customer service via live chat once again. This conversation was saved and is contained in pages 1-9 labeled XX/XX/XXXX of attached documents. This agent stated that XXXX cancelled the transaction for {$220.00} on XX/XX/XXXX, and that the difference of {$88.00} would be pending for the next seven business days and then released back to my account if the transaction failed to settle. Well, I had already been told by a Chime representative on XX/XX/XXXX, that XXXX cancelled the transaction on XX/XX/XXXX. 

I called Chime customer service, afraid I was not stating my case clearly on live chat and was simply told I could not dispute a pending charge. 

The {$88.00} should have been returned to my account on XX/XX/XXXX, when the transaction settled. Chime continues to move the ball and communicate falsehoods about the transactional timeline each time I chat with a representative. I am requesting assistance from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone did a wire transfer of XXXX out of my checking account without my consent on XX/XX/22, XXXX and Chase have been notified and Chase said they can not recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We had a chase sapphire card that we used for years. It was my wife and mine primary card. We would pay off the balance monthly and ensure there were no late payments. Out of nowhere in XXXX we were informed our account would be closing. When I called Chase they said they couldnt tell me why. They then closed my account at the time they said and hit me with a settlement on my credit report for the outstanding balance of the card where the payment wasnt due. It affected my score and I received notices from the credit agencies about the settlement. I want to know how they are allowed to do this and contest the settlement on my credit score. I appreciate any help you may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: AL

Complaint narrative:
n 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 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-12-21 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: AL

Complaint narrative:
n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-12-21 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: RI

Complaint narrative:
I asked experian, XXXX and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
Almost every time they take out the mortgage payment which I signed up for them to get it on the fifth of every month they were changing me an overdraft fee that caused my account look bad and affected my credit history. I went to talk to them about it but still continue to do the same thing. I could look at my credit report with other institutions it looked better than what I see in their report was always lower than other reports and they are holding my mortgage so I couldnt try to refinance or get a fair loan mortgage because of their mismanagement of my 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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed the day I paid my loan in full. I had been having financial issues due to my husband leaving me the car in our divorce and I had no income. But over the 2 years between our divorce and the car being repossessed I had paid the full remainder of the balance. Then the car was taken anyways. My name at the time was XXXX XXXX. I do not have a current issue just wanted to file a complaint about how it was handled. I was never given the opportunity to work it out about the car and they never gave me any money back once they took it.

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 2022-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a Capital One account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX, I did NOT authorize this inquiry. The inquiry is fraudulent and Capital One has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
In XXXX, I disputed a payment via cashapp of {$400.00} to XXXX XXXX with my bank. I later cancelled the dispute because me and the person settle our problem. Cashapp then forcefully withdraw the money from XXXX account even after the dispute was canceled. I sent them a letter and proved to them the dispute was cancel. Up until now, they are still saying they dont see that on their end. We never received the {$400.00} back. Cashapp basically stole the money.

Company response to consumer: Closed with explanation