vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XXXX my lowest balance was XXXX and after on XXXX was XXXX on XXXX my lowest balance was XXXX and XXXX lowest was XXXX, XXXX was XXXX, XXXX I received a notice that a payment for XXXX was returned to XXXX for my credit card payment. Making me miss my payment due date and causing a fee from both my credit union and XXXX directly. This makes my account with XXXX become flagged as I haven't had it open a year yet. Suncoast credit union claims my account was at XXXX which would only be possible after they attached a fee. Which didn't occur until XXXX this bank is in my opinion fraudulently breaking the financial regulations set up to protect consumers. When I called and told them if they were taking deposits after withdrawals then that is breaking the law the representative XXXX told me to call my attorney if I felt that way. Over {$29.00} who is going to do that? I'd expect this from XXXX XXXX or XXXX XXXX XXXX but a credit union. Times must be getting really rough if the credit union is scamming checking accounts that are always in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
We paid our bill to American Express in XXXX ( the total balance due which we pay every month ). We paid through our bill-pay service with XXXX XXXX XXXX Bank XXXX They sent the payment electronically to American Express. American Express claims they never received the payment. We have provided 100 % of the documentation that they have requested multiple times including but not limited to having XXXX XXXX XXXX Management speak directly to American Express Supervisors. As a consumer we are out of options. XXXX can not reverse an electronic payment. American Express won't admit that they applied our payment to someone else 's account. XXXX has no legal representation for clients whose bill payments are denied by 3rd parties. American Express is giving us no further options other than to pay them {$2400.00} AGAIN. 

Why is it the consumer 's fault if American Express lost a payment? We can prove the payment went to them. Why is it our fault that they lost it? 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : - XXXX XXXX XXXX XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A check for {$710.00} was cashed into bank account XXXX on XX/XX/23. The company gave me push back on receiving these funds. They have since then closed the account, because they claimed it went against their policies. I was told that the check for {$710.00} would be refunded back to the issuing bank of the check XXXX. I have contacted XXXX regarding the check and they have stated they did not get the check. I have attached their response to this. If you are unable to return the check to XXXX, I would like the check sent to my mailing address. Otherwise please send check back to XXXX so that I can be rid of this company and their confusing and misleading practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
As a recently XXXX XXXX, I became aware of the Servicemembers Civil Relief Act ( SCRA ). I submitted a request to Discover Card on XX/XX/2023 that reads as follows : " As a XXXXXXXX XXXX  XXXX, recently retired XXXX Military veteran, I would like to request debt relief assistance under the Servicemembers Civil Relief Act ( SCRA ) via debt or interest rate reduction for the account ( XXXX ) I have with your company. Attached is my Veterans Affairs XXXX letter. '' Approximately, a 10 days later I received notification from Discover Card that they have closed my account. Per SCRA, " a lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. '' Discover Card violated my rights as a servicemember and federal SCRA laws. I would like my card reinstated, the debt and interest rate reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, there was a XXXX of {$1500.00} that was sent under XXXX 's profile to a XXXX account that was not authorized by us. We called Chase immediately to dispute this transaction and file a claim. Chase told us that it would take at least 10 business days to approve or deny the claim. We followed up on this claim and was told the claim was denied. Confused on why Chase was denying responsibility to an obvious bank error we requested to reopen the claim. It was reopened and later we were told that it was again denied. On XX/XX/2023, we spoke with Claims Management after being hung up on by one another one of the supervisors. Throughout the entire process, Claims representative was rude, belligerent, unempathetic, and inconsistent in their explanations. On XX/XX/XXXX, I spoke with XXXX, a Claims manager, he said that the XXXX was sent to a company by the name of XXXX XXXX XXXX XXXX via an email address XXXX. I explained to XXXX that there was no way we could have mistakenly entered an incorrect email address. That this is obviously a bank error. I even offered to send in proof via email. Instead, I was yelled at by the representative and told that there was no way Chase system could have made an error. I requested to speak with a manager and was told that a manager would have to call me back in 24 to 48 hours. I received a call on XX/XX/XXXX from XXXX. During this phone call XXXX explained to me that she sees that XXXX entered the intended phone number of XXXX. Yet, she could not explain why it was sent to the wrong recipient even though on the same day I sent the same amount ( XXXX ) to the same number ( XXXX ) and it was received by the correct recipient. She could not explain why it happened but insisted that the bank could not recover funds so they would not refund the {$1500.00} even though it is obviously a bank error. On XX/XX/2023, I spoke with XXXX, another supervisor in the Claims department. I was told by XXXX that she could not see what information was entered. As mentioned earlier, every time I speak with a Chase representative, I am being told different information. I've explained that this {$1500.00} is costing us XXXX of dollars because it has caused our account to be overdrawn and preventing us the ability to get approved for a merchant advance. This merchant advance is what we would use to purchase equipment and make sales that would generate upwards of {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Bristlecone, Inc.
State: MI

Complaint narrative:
Money was coming up out of my account and I dont know where it went. I didnt think we could do some about it until now.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
My call was to determine why Flagstar, loan servicer for XXXX was not applying my extra payments to the loan principal like XXXX XXXX  did before XXXX transferred my mortgage to XXXX in XX/XX/2023. To date, and I have proof, XXXX is placing all of my extra payments in suspension. This practice doesnt decrease the loan principal. My regular monthly payment is {$990.00}. Each monthly from the time I took the mortgage out with XXXX XXXX I have made XXXX or more extra payments to be made or applied towards the loan principal. There wasnt any issues with XXXX XXXX applying the extra payments to the loan principal. However, after the loan was transferred or sold to Flagstar/XXXX, ALL of my extra payments have been placed in a suspended account. When I called Flagstar about this problem they first said there wasnt an issue. They later said, during that same conversation that they would reverse those payments and apply them to the principal.they lied and yes, based on their own website, I have documented proof. I want ALL of my extra payments past and future to be correctly applied to the loan principal. Calling them is a total waste of time. Their loan servicing department is their debt collection department. I have NEVER missed a payment. Im actually paying more than most folk via making {$990.00} extra payments to the loan principal. However, XXXX refuses to properly apply those extra payments.

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 2023-10-18 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: NJ

Complaint narrative:
On XX/XX/XXXX, Chase bank deducted {$1800.00} from our checking account. 
Our monthly statement described this as a XXXX dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned of this that night, when Chase sent an email telling us of a letter to our accounts Letters & Notifications folder, informing us of the deducted sum ( see Attachment, " Chase letter XXXX '' ). A phone call with Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via XXXX was an unauthorized transaction. Chase made one attempt to contact me on my cell phone on XX/XX/XXXX at XXXX XXXX Chases records show they decided ten minutes later to pay the tenant from our account, and close the matter. This was wrongful, mistaken, and negligent of Chase for the following reasons. XXXX ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was our last payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) There was no dispute to which we were a party, until the {$1800.00} was deducted. A single attempt to contact us is insufficient, and the subsequent decision to close the matter XXXX minutes later is unfair and unjustified. 
( Even credit card charge disputes require more attempts. ) 3 ) Chase refuses to consider a pertinent condition preventing me from taking their phone call. I am an elementary school teacher, subject to strict laws governing cell phone use during working hours : I am not permitted to answer cell phone calls except for emergencies ( see Attachment, XXXX Cellphone Use Policy ). XXXX XXXX Customer Service promised on XX/XX/XXXX to follow up within XXXX business days. They have not. I have since telephoned them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XXXX ), but have not received any explanation or clarification, and moreover, have been told the back room analysts never take phone calls, nor talk to customers with complaints. Chases behavior is to deduct money from customers without sufficient notification attempts, and to refuse customer appeals or complaints. Chase should reimburse the {$1800.00} their mismanagement took from us. They hastily and wrongly deducted it from our account without warning, and decided that a single ( failed ) phone call was sufficient effort to contact. They robbed us of both our rightfully earned money AND any right to respond to charges. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.

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 2023-10-18 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: LEXISNEXIS
State: KS

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Block, Inc.
State: CT

Complaint narrative:
I had filed a dispute with Cashapp about a purchase that was not fulfilled and explained to them that the wrong item was sent to me, including a series of emails between me and the seller to which a replacement of the correct item would be sent to which I had not heard from them since then and this was since XX/XX/2023 ( the same day I received the incorrect item ). I had sent a follow up email to him two weeks after our exchanged emails to confirm if the promised corrected item would still be sent and he had pretty much ghosted me. I then took to cashapp in hopes to get my {$33.00} back from this person as it was not fair that they had sent me the wrong item only, promised to send me the correct one and that I could keep the wrong one sent, only to ghost and take my money. XX/XX/2023 Cashapp had denied my dispute saying the details I had provided shown that the purchase was not done in error to which I was confused because I sent an email showing the difference between what I purchased/what was received, THE SELLER AGREEING to send me the correct item, and a follow-up email only to be ghosted as I made this dispute in XXXX giving the seller more than enough time to correct their wrong doing. I do not agree with cashapps decision and feel that no one really looked into the case I had opened which was very unfair as I had more than enough good evidence provided and this isnt the first time cashapp has done something shady like this to me, I had another dispute over $ XXXX dollars to which was denied AGAIN with the amount of evidence provided. I XXXX  why this was happening and it looks like Im not the only one that cashapp is doing this to and was suggested to bring up the issue to CFPB.

Company response to consumer: Closed with explanation