vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: DISCOVER BANK
State: PA

Complaint narrative:
i CONTACTED DISCOVER CREDIT SERVICES BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE XXXX CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was scammed XXXX USD from transferring crypto ( ETH & BTC ) to a fake trading platform called XXXX. 

When I wanted to withdraw the money from XXXX, I received an error message that stated, " Your account is in an abnormal state. '' I contacted their customer service through XXXX. They responded that I needed to deposit 22 % of the principal investment due to international anti-money laundering regulations in order to proceed. Few days later, their customer service threatened me to deposit or else the account will be frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My loan was FORGIVEN NAVIENT SOLUTIONS refuses to follower through with this. They harass me all the time. 
Leaving voicemail sending letters Having the NY State Higher Ed Service Corp call me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a purchase with XXXX XXXX XXXX XXXX XXXX NY for XXXX on XX/XX/2021 for stained glass supplies XXXX claimed to have delivered this parcel to my address The parcel never came I put a dispute with chase bank they reversed the funds back to my account. One week later XXXX delivered the parcel to me the driver stated it was delivered to the wrong address I said things happen I called chase in new York customer service they agreed to reverse the complaint and rebill my credit card in which they did on XXXX I have an E-mail supporting that to this day chase has my funds and will not forward the money to the XXXX XXXX XXXX account this has been going on for nine weeks now the vender is entitled to his XXXX thankyou for your assistance in this matter XXXX XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - 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

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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I was unaware that my loan was sold to a new servicer. Therefore I made my XX/XX/21 mortgage payment to guaranteed rate on XX/XX/21. They were supposed to transfer this payment to my new servicer, but this never happened. Ive called multiple times and no one has been able to tell me if or when my payment will be sent to my new services, or if I would get a refund. I was therefore forced to make another payment to my new services so I wouldnt be sent to collections. I have yet to make me XXXX payment because I need guaranteed rate to refund me or transfer the money to my new servicer. If they do not do this, I will be sent to collections as I am unable to make another double mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have some student loans with 2 companies, Navient and XXXX XXXX XXXX. 

Navient I have 3 loans. 
2 XXXX XXXX 1 XXXX Unsubsidized After going through a rehabilitation process on all 3 loans the debt was transferred to Navient on XX/XX/XXXX where I started making monthly payments. 
When COVID happened I continued to make any payments I could and between XX/XX/XXXX and XXXX XXXX I paid {$780.00}. I just found out at the end of XXXX that all my payments, even those made before XXXX, were all used to cover accrued interest. 

So during this entire time my payments have not had any portion going to current principle but 100 % of the payments have been credited to outstanding accrued interest. When my balance was transferred to Navient the amount was {$18000.00} and now, according to their website, my current balance is {$21000.00}. 

This is a way to keep people paying student loans for the rest of their lives. How is this even acceptable to those who have been trying to make payments and work to improve their situation? 

The situation with XXXX XXXX XXXX is completely different. 
I had 2 student loans with them. 
1 XXXX XXXX 1 XXXX XXXX I paid off the Unsubsidized in XX/XX/XXXX in order to continue to improve my financial situation and pay back my obligation. 
I am currently making monthly payments to the other loan and payments are all being credited to principal balance and interest, like any loan should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - 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

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 2021-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Saturday XXXX 2021 I entered the Wells Fargo branch in XXXX, FL to withdraw funds from my account exactly {$4500.00}. I was told by the teller and branch manager that couldn't withdraw the funds and gave me absolutely no reason and told me to contact customer service. I asked the branch manager to explain the reason why because I provided the proper identification, and all my funds were available and my account had no issues. She told me she can only give me $ XXXX {$200.00} out of my account with no explanation. I eventually called Wells Fargo customer support and the support agent notified me that there were no issues with my account and no reason I should've been denied my funds. After speaking with the Wells Fargo support agent I was transferred to their complaint department while driving back to the bank branch so I can let the branch manager speak to the complaint department agent and explain why my funds were denied to me in the first place. I eventually was allowed to withdraw some of my funds after almost an hour of back and forth and still absolutely no explanation from the Wells Fargo branch to why I was denied my funds. I FEEL DISCRIMINATED AGAINST FOR ABSOLUTELY NO REASON AS WELL AS EMBARRASSED. I do have documents from the Wells Fargo complaint department and Wells Fargo executive office supporting the whole matter. I am seeking legal representation to this matter.

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 2021-07-12 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 — Investigation took more than 30 days
Company: RateGenius Loan Services Inc
State: CA

Complaint narrative:
I have filed a dispute in regards to the inaccuracies on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I initially contacted XXXX XXXX  on XX/XX/2021, after I learned that my tax return was sent to a Cash App account. I sent correspondence to XXXX XXXX and she told me that she would send the copy of the fraudulent check to the fraud department and they would freeze the funds until they heard from the IRS. On XX/XX/2021, I was told by a taxpayer advocate that the money was not returned from XXXX XXXX  because there was {$2.00} in the account by the time the trace arrived. 

I am asking you to investigate and reach out to both XXXX XXXX  and Cash App. I am providing correspondence from both entities to assist with your search efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I have asked The XXXX XXXX XXXX agency to take this off of my credit. I sent letters to all three bureau to take off my credit. They took it off and put it back on This is not my account Ref # XXXX NOT MY ACCT please remove! 
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX account # XXXX this account was taken off by XXXX and XXXX but they put it back on. XXXX  never took it off Please make all 3 agencies take this off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: ID

Complaint narrative:
I made a purchase in the amount of {$1100.00} at XXXX XXXX  XXXX on XX/XX/XXXX. Due to COVID-19 the vacation was delayed and eventually cancelled. XXXX refunded the amount of {$1000.00} on XX/XX/XXXX, minus the cancellation fee. I have called repeatedly for over a month inquiring about the return and was repeatedly told by Discover that the funds were never returned to Discover by XXXX. However, when I would call back to XXXX they would assure me that the funds were returned to Discover. In the process I have spoken to over 25 Discover associates and have been told either that they were looking into it and would call me back, but then I would never get a return call and would have to start all over, or they would forward me on through several associates until finally one would just tell me they did not have my money and could not help me and would refer me back to XXXX. I went back and forth between the two companies numerous times, with XXXX giving me more and more information about the return up to and including a screenshot of the refund capture screen. I have repeatedly offered to email on to Discover all the return information and proof I received from XXXX and was told by Discover that they could not accept emails. I finally managed to get someone from Discover to accept the emails 3 days ago and was told once again that they would look into it and call me back. This time I made sure they told me the date and time that they would call me back. It is now 4 hours past that time I was told they would call me back and I have not received a phone call nor have the funds been credited to my account. At this point, I am of the opinion that the company has no intention of ever returning my funds. Not to mention that I have been accruing interest charges on my account for these purchases for a month and a half even though they have had the funds the entire time. All I have received from their company is excuses, delays, and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: NC

Complaint narrative:
Please see attached documents

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX I received a possible fraud alert on my cell phone. The suspected fraudulent charge was an online purchase with XXXX. 
Knowing that I had not initiated any online purchase with XXXX, I immediately contacted both the credit card company ( Chase ) and XXXX about the fraudulent charge. XXXX was able to disclose to me that the charge originated in Arizona ( I live in Massachusetts ). 

Today ( XXXX XX/XX/2021 ) I received notice from Chase that they were denying my fraudulent charge claim. I contacted Chase fraud services to ask why they denied my claim and were instead including the charge I was informed that the reason was " because I had previous on-line purchases with XXXX ''. 

Today I sent a response back to Chase fraud services showing them my XXXX on-line transaction history. I have not had any XXXX purchases since XXXX XX/XX/2021. 

What is alarming, and should also be concerning to the CFPB and other Chase credit card customers, is that this reasoning puts all credit card users at risk for fraudulent on-line purchases. The mere fact that a consumer has made on-line purchases in the past should not be justification to deny a fraud claim. If this is allowed to continue, then it is imperative that all credit card users that make on-line purchases be made aware of the added risk they are incurring. 

Please help protect the on-line purchaser from credit card fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
On XX/XX/2018 I leased a truck from Ford credit for 36 months for a monthly payment of {$570.00} per month which INCLUDED my NY sales tax. Due to COVID there are no new trucks to lease so have to extend my lease. Now Ford credit is insisting I have to pay an extra {$49.00} per month for ny sales tax IN ADDITION to the {$52.00} I am ALREADY PAYING in my monthly payments. I have called several times, spoke to several people at Ford credit no one can explain WHY I have to pay double taxes and they have no written explanation. However they insist I have to pay it. I spoke to ny state sale tax authority and they told me this is completely wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX called me and claimed to be Care Credit. They asked for my account # over an automated line but I refused to give that info. Then a live person answered the call and asked for my social security number after reassuring me they were Synchrony Bank Care Credit. I refused again to give this information to them and they said I had a payment issue with 2 payments on my account. I called the real synchrony bank from a number that I know is safe and they shut down my account number just in case and are sending me a new card in the mail. The scammers from the TX number seemed to be able to see my account but nothing was charged. I will block their phone number.

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was told by a XXXX  represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with XXXX  for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. XXXX  have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # 72052 AND DISPUTE ( XXXX XXXX ). I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.

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 2021-07-12 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: Veros Credit, LLC
State: CA

Complaint narrative:
I am going through a matter with Veros Credit from which I was loaning a car from them. My account has been closed since 2016. I had been receiving letters stating that they would be taking me to court about this matter in which I have also still be receiving harassing phone calls from them as well. I went and made a report onto the XXXX XXXX XXXX complaint website in which Veros responded and I did not agree. I would say maybe a week couldve been a few days or so Veros added negative remarks to my credit which caused my points to significantly drop. I have noticed that this is I fear retaliation because I have made the complaint I have proof that they have not been submitting or adding remarks or anything to my credit for some time so I feel all of a sudden I complain they have been going out and adding negative remarks to my credit. I contacted Veros and which I was basically told as long as they have my social and I have a account with them they are able to report and do whatever as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation