vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The week of XX/XX/XXXX, I received an electronic deposit of about {$33000.00} from the SBA Economic Injury Disaster Loan program ( EILP ). 

On or around XX/XX/XXXX, my debit card was declined at a gas station and then a grocery store. Upon calling Chase to report the matter, I was informed that my account had been frozen because of the SBA loan and that since the loan was for a business, I needed to provide the bank with an EIN. I explained that I am an XXXX driver, that in the state of California, XXXX drivers are classified as independent contractors, and that I operate as a sole proprietor and use my social security number for tax filings and other business purposes. However, my explanation was not accepted, and they persisted in their demand. 

I reached out to Chase Executive Office and spoke to " XXXX XXXX '' to see if they could expedite a resolution of the matter, but they never got back to me. I also went to a local branch to try to close my account, but I was told that Chase fraud/loss prevention would close the account in 10 days and mail me a check for my checking/savings balances. I subsequently called the fraud/loss prevention number myself, and they confirmed what I was told at the branch. 

However, upon calling the fraud/loss prevention number again on XX/XX/XXXX for a status update, I was told by XXXX that my account was indeed pending closure but that they would keep my money and not send a check until I provided EIN documentation even though I had already told them several times that I am a sole proprietor and that I do not have, nor am I required to have an EIN, nor required to register as a sole proprietor with my secretary of state. 

Since XX/XX/XXXX, I have been blocked from accessing my account information and funds with no formal notice of explanation from Chase, including citation of any relevant constitutional provision or legal/regulatory statute ( s ) giving them the right and authority to withhold my money. Chase even caused debits to my account to bounce including my rent payment for XXXX because of the freeze/suspension. 

Chase is in clear violation of the Expedited Funds Availability Act ( EFAA ), and I request that the Office of the Comptroller of the Currency and CFPB order Chase Bank to close my account immediately and to have my checking and savings account balances and any and all applicable interest to which I am entitled paid to me by cashiers check and available for me to pick up along with a final statement at a local Chase Bank branch as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX  and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I was working with nationstar mortgage back in XXXX for a modification after becoming XXXX from a work injury. At no time did Mr. Cooper aka Nationstar or their attorneys XXXX XXXX XXXX stop the foreclosure of my home of 20 years. I was served papers about the sale in XX/XX/XXXX eight days prior to the sale and that was the third time they tried to sell it. They were working with me on modification and had been since XXXX but kept asking for more paperwork. In XXXX of XXXX they served a pile of court papers left in a stack on my front porch and then locked me out of my home and sold it. This is after nationstar and XXXX bounced me back and forth with promises to help until the time ran out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T Bank reported 30+ days late for my XX/XX/2021 RV Payment. I mailed the payment in XXXX and they did not credit the payment until XXXX. I have a copy of the check. The post mark on the envelope should evidence when I mailed it. I filed a dispute with XXXX. Rather than correct the problem, M & T bank also marked XX/XX/2021 as 30+ late. In reality I am paid through XXXX at this point due to receiving a paying multiple late notices from M & T bank that were inaccurate. I filled a new dispute and the XX/XX/2021 late payment has been removed but M & T bank is refusing to remove the late XXXX payment which is also inaccurate as I mailed it in XXXX. Please help!

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 2021-03-13 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: OH

Complaint narrative:
The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX 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, XXXX XXXX XXXX/XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
The paypal locked my account for no reason. I have around XXXX on it, and I can't access it. I sent them many messages, but they did not answer. Due to this I would like to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flagship Financial Group
State: PA

Complaint narrative:
As a long standing member I have had pleasure being part of your organization, Ive admired your care and customer service throughout the years. With that in mind it was quite disturbing receiving the egregious customer service from your representative XXXX as it relates to my account and payments. As an essential workers my days are filled working and leaves little to no time for my personal affairs. Nevertheless, I believe the customer service I received is not in brand for your company and was quite frankly disrespectful. I hope there can be an amicable resolution and look forward to your response. I would like a verbal/written apology and XXXX reprimanded for me and all the other consumer he has violated in the past.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-13 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: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
The mortgage servicing company, XXXX XXXX or LakeviewLoan Servicing LLC is fraudulently reporting to all credit reporting agencies that there were 120 days of late mortgage payment in 2020, for our former residence in XXXX which is false. 

XXXX XXXX XXXX, as they state is a nationally recognized in full-service sub-servicing to the mortgage industry. They claim to be the XXXX largest servicer in the country. 

The XXXX  Mortgage was held and serviced by Lakeviewloan servicing inc. which is the arm of loan servicing, for XXXX XXXX. 

After numerous attempts to contact both Lakeviewloan servicing and XXXX XXXX have been unable too resolve this major issue so that the records may be corrected. and removed from all credit reports. 

Unfortunately both companies have structured themselves to redirect all incoming calls to recorded message 's that will only attempt to redirect those calls away from a real customer person that can not be reached by phone.. As a direct result of their action we have been denied credit, significantly harmed solely based upon this disputed information being reported to all credit agencies. 

Only after we have been trying to refinance our current mortgage here in XXXX  have we learned to the false information and have XXXX  and have been solely upon the basis of those disputed mortgage payment 's being late within 2020.

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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IA

Complaint narrative:
I closed an account with XXXX XXXX. They sent a final bill that included charges for equipment already returned. I disputed the charges and after many calls to XXXX  they found the missing equipment in their system and corrected the billing error and closed the account. Assuring me the error was theirs and the account would be removed from collections and stricken from my record. 
However the collection agency did not remove it. Only marked it as paid in full even though they didnt collect even one dollar. 
I disputed this action and two credit reporting bureaus removed it. However the collection agency continues to report this incorrect information on my credit report. Causing it to reappear on my report weeks or months later. I have called them many times and get transferred around but no one there will remove it even though its a obvious error. Their refusal to acknowledge the error and correct it is causing me to have serious difficulty in securing a home loan. A letter from XXXX  explaining the error is helpful but does not correct my FICO score. A action that greatly limits my ability to secure a loan. Their representatives seem very unconcerned and transfer me to another department repeatedly until I get a answering machine. I leave messages but they will not return my call or make any attempt to resolve the issue. Every time I get it removed thru direct dispute with the collection agencies it is re-recorded with a newer date making an account that is years old appear and score as if its new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have received a PayPal Cash Mastercard, which I have never applied for. When trying to call the number provided on the card for XXXX XXXXXXXX XXXX I am getting an automated message " that my problem can not be resolved over the phone, please send us a message and we will address it in appropriate way '' and the system kicks me out without any instructions where to send a message. PayPal website does not provide any help on the issue either. 

So, I am trying to find out why the card was sent to me, who and when applied for it in my name. And I need this card to be cancelled ASAP. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
Unauthorized hard inquiry XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 2021

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAPITAL ONE Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Like to get Covid assistance on 3 Barclays credit card accounts.

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 2021-03-13 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I noticed my credit rating had dropped from XXXX to XXXX and that I was issued an apple card through bank XXXX with a credit limit of {$10000.00} which I never applied for. It showed I had a late payment and I was only aware of this card when I saw the credit report. I called the bank and cancelled the card and they dropped the charges. I have never used this card, never issued a card, never received a bill for this charge, and the email account on file with the card is an email address I have not used in more that 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I want to spread the word about American Express Serve they are suspending accounts or closing them when our stimulus and tax returns hit the account preventing us to have no access to our funds. I can't even login into my account to access my {$4300.00}. I get my XXXX, work pay, tax return and stimulus on this account and no way of accessing my money. As soon as my stimulus hit my account they suspended my account. I called and a representative told me there was nothing they can do and hung up on me. I called back and was on hold for an hour only to get the same scripted message there was nothing they could do and I should write a letter to a GA po box requesting for my funds to be sent in a check and even then it is not guaranteed that it will be approved. I been using them for over 10 years and never experienced this. I have no money for diapers, tissue food. I have to find another bank for my payroll. I am not the only one who is going through this. Attached to this email is a list of people in a American express Serve XXXX who are going through the same thing im going through. 

I can't even hire an attorney because they have all my money. The word has to spread that these people are crooks. I did a complaint with XXXX and it looks like every since the first stimulus they've been doing this and having complaints about them stealing people money by closing their accounts. 

Please help spread this word people are suffering and need this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
This account is reporting on my credit score " fraudently '' and i have no knowledge of it. Also, information containing my name can not be sold to other creditors by law. I want this account " DELETED '' immediately or me and my attorney will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
There are 13 fraud charges from uber trips between XXXX on my CITI credit card . I was contacted by CITI fraud department on XX/XX/2021, and I disputed all these charges from XXXX as I didn't use XXXX for months. After several weeks of security investigation, only 12 charges were refunded. 

2 of the 13 charges have same amount {$48.00}, and I only get 1x refund for {$48.00}. So I opened a dispute " unrecognized charge '' on the second {$48.00} on XX/XX/2021. I didn't see any update after 2 weeks, so I called CITI on the beginning of XXXX. The agent heard my story, and confirmed I have 2 fraud charges of same amount, but I only got one refund. She issued a credit of {$48.00}. 

On XX/XX/2021, I got email from CITI said " My dispute has been resolved '' and " view my message ''. But CITI secure message center said I have no message. I also noticed there was a charge of {$48.00} on the card as " reverse uber trip ''. I had no idea what's going on, and called CITI again. The agent said they would investigate. 

Another 3 week passed, nothing happened. On XX/XX/2021 I use live chat to talk to CITI. 
And I finally figured out : 1. My dispute was resolved as " the merchant denied the refund request and you must request the refund directly from the merchant ''.

I explained to the agent my disputed charge is fraud, I don't have any trip under my XXXX account on these days and I got all the rest XXXX trips refunded. Why this one is so special? 

2. Then I learned that " In the case of fraudulent transactions they shouldn't be disputed at the security investigation process is different from the payments disputes process. '' However, CITI website only supports opening dispute as payment dispute. I filed dispute as " Unrecognized charge ''. Customers don't have option to open security investigation, and I clearly stated these are fraud charges in all my calls with CITI. 

3. When I asked the agent how to get refund then, I was told " If you'd like I can refer the second transaction for {$48.00} to the security team to review. However I can't guarantee they will provide a credit for that transaction as it has already been disputed. '' This is so ridiculous, CITI security team missed one fraud transaction first, then later multiple agents were unable to help customer to file the correct dispute, and last customer were told we might not get credit because it was disputed incorrectly? How would customer know all these difference between fraud dispute and payment dispute? We see unrecognized charges, and we dispute it under this reason.

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