vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
My initial complaint was on XX/XX/2022. I received payment XX/XX/2022. Square advertised " Instant Transfer '', which is not true. The original complaint ID # XXXX. Today is XX/XX/XXXX, XXXX, four days later, and Square is unapologetic holding my funds, being unavailable using the " Instant Transfer '' option sent to my email. I have the screenshots from Square that I received on yesterday, XX/XX/2022. Square really needs to be more socially responsible and stop with the " extra hidden fees, false advertisement and holding customers funds which is very unprofessional. Square needs to be held accountable for the way my account and transfer is being handled. Unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: IN

Complaint narrative:
It's my understanding that federal student loan repayment has been paused until 2023. Navient however is attempting to collect payments, charging massive late fees and capitalizing the interest in violation of current laws. 

They're also sending out false statements, attempting to collect in spite of the current pause. 

In the statement I'm enclosing, for XXXX unpaid month, they're charging over {$80.00} in fees. Over a third of the bill is late fees during a time they aren't supposed to be collecting. 

Further, they give you less than XXXX weeks to pay your statement. The one I'm including is for the XXXX with a due date of the XXXX and is for nearly {$250.00}. This is a blatant attempt to make it as difficult as possible to pay so they can charge more extraordinary fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
The loan was for {$2000.00}. On XX/XX/XXXX I made the last payment of {$370.00} for a total of {$2900.00} payback. 
I then received notification from Opp Loans that I refinanced the loan, and that I owed them {$1800.00}, and they wanted another payment. 
I telephoned Opp Loans and explained to their representative that I did not request additional funds that someone in your organization set up this fraud. I asked to see the documents I signed, and they couldn't provide me any. 
Opp Loans stated that the money was deposited into my bank account. When I asked the name of the bank, they told me the banks name which I did not know. I told them, I did not have any account with that bank. Opp Loans has never produced one shred of evidence I refinanced that loan. 
At the request of their representative, I filed a complaint with their fraud department. I was then notified this was a closed issue. 
When I received a copy of my credit report from XXXX, there was an entry that I am over 90 days late on my payments from Opp Loans. My credit report had been over 700 points, even with a bankruptcy bank in XXXX. Now my credit rating is reported as poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
In a recent review of my personal credit report with Transunion, there is a previous address reported on my report that I do not recognize and have never used. 

The address is XXXX XXXX XXXX XXXX, TN XXXX. 

Please have this address removed from my list of addresses. 

Also under Phone Numbers : I do not recognize and have never owned the phone numbers : XXXX or XXXX Please investigate these fraudulent entries on my credit report and remove them. 

If there are question or we need to discuss this report, call me at 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 non-monetary relief
Consumer complaint received 2022-09-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Someone has been using my information to open cards and it is not me. Now a collection company is threatening me that they are going to file charges on me. But I have never had a hsbc credit card. I think I know who is doing it. I just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was a customer with Bank of America for over 20 years. Bank of America has decided to close my account. I was told the reason is an internal business matter and I will not be told why the account is being closed. The problem is there is {$2400.00} in the account that is owed to me. The {$2400.00} is from a check from my employer, XXXX XXXX of Michigan. I was told the account would be closed on several different dates. The first date was XX/XX/XXXX which was XXXX weeks from today 's date which is XX/XX/XXXX. I called XX/XX/XXXX and I was told the account will be closed XX/XX/XXXX after the company finishes their review process. I called on XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I called XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I've called Bank of America a total of XXXX times since the account was initially suppose to be closed and everytime I'm told the account will be closed on a new date after they finish the review process. I was also told there is no limit to how long they can conduct their review process. The dates I've called are XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. The latest closure date I was told will be XX/XX/XXXX. XXXX frustrated and need help because I have no idea when the account will actually be closed and Bank of America will not send a check for the money that is owed to me in the account until the account is officially closed.

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 2022-09-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below

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 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below

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 2022-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
Dating back to XX/XX/XXXX up until now XX/XX/XXXX Ive been a victim of identity theft and data breaches putting me in debt with numerous fraudulent accounts and transactions unauthorized thousands of dollars were charged in fees and debt credit card accounts and loans were also fraudulently opened causing me poor credit and debt thats very difficult to fix. Ive filed police reports and tried reaching out to the companies in question with no success I ask all parties that you remove and block the negative inaccuracies and false statements and accusations against me due to identity theft I have all documents and much proof I can attach with my complaint please acknowledge and accept my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
So my ex girlfriend who I had a order of protection against wanted till after the court order to call her bank XXXX and say a transaction of from 3 months ( XXXX ) ago was fraud she used to make me use her card to order or send people money because she didn't have a XXXX or she couldn't login to her account I made a police report and I have text messages from her proving this cash app hasn't refunded me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Today, for the first time, I am reporting someone trying to SCAM me " and probably many others, including the elderly '' about my " their '' debit card with Citizens Bank. Please, help stop this. There is an " active '' link in the email that you may not be able to access from me posting it to this message. 
I will send you information from the email I received : Subject : Financial Fraud CITIZENS-ALERT : Your Debit/ATM card has being restricted due to an unusual transaction. Visit : XXXX to reactivate your Debit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one tap ( see attached ) tried to bait me to apply. they denied it with a form letter with info not true as deliquencies on my credit, which I have none. 

I have XXXX other credit cards open with them as they can check my credit anytime. Why are they doing this knowing you will not be approved? I have good business credit, XXXX XXXX XXXXt show me with XXXX XXXX approval and low risk of not paying this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: VA

Complaint narrative:
There is an account on my credit report that does not belong to me in the amount of {$1500.00} reported by XXXX which has resulted in my credit score dropping XXXX points. This account has no payment history but list that it is a 7 1/2 year old account. 

This is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THERE IS ONLY ONE LATE PAYMENT ON MY CREDIT REPORT, LISTED AS DEROGATORY. IN 2019, I CLOSED MY ACCOUNT WITH XXXX XXXX  DUE TO A SUCCESSION OF FRAUDULENT ACTIVITY ON MY CARD WHICH DISCOVER TRACED TO XXXX AFTER CLOSING MY ACCOUNT, A CHARGE WAS ADDED TO THE CLOSED ACCOUNT ALTHOUGH NO GOODS OR SERVICES WERE EXCHANGED WITH THE VENDOR. I REFUSED TO PAY A CHARGE THAT WAS NOT MY OWN. XXXX REFUSED TO REMEDY, DECLARING THAT THE DISPUTE WAS BETWEEN MYSELF AND THE VENDOR. BECAUSE I REFUSED TO PAY A FRAUDULENT CHARGE, XXXX APPLIED A CHARGE-OFF ON MY ACCOUNT, AND THE NET EFFECT IS AN ARTIFICIALLY LOWER FICO SCORE. 

I CONTACTED TRANSUNION TO REMEDY MY CREDIT REPORT, BUT APPARENTLY THEY SIDED WITH XXXX. 

COMMON SENSE DICTATES THAT IF I HAVE NEVER MISSED A PAYMENT ON A ANY LOAN I ASSUMED OR OTHER CREDIT ACCOUNTS ( MANY OF WHICH ARE PAID OFF COMPLETELY ), THERE MUST BE A REASON FOR WHY I AM NOT PAYING XXXX. AGAIN, I REFUSE TO PAY FOR A CHARGE THAT DELIVERED NO GOODS OR SERVICES.

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 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Venmo account was frozen on XX/XX/12. As per the company direction I changed my password and provided requested information to Venmo support. I have spoken to customer support who can not help and have directed me to account specialist who can only communicate via email ( I have all the exchanges ). Basically, without telling me why my account was frozen, they will not unfreeze my account unless they provide them a government issue ID such as my drivers license and passport. I do not want to do that. How do I know who, what, how and where they will use my confidential information. Just like your website says do not provide confidential data, Venmo should practice the same. Ive never provided Venmo with a government issued ID so providing how providing one now will prove who I am. They have nothing to compare it against. They indicated to me in correspondence that they have been collecting information on me. I have no idea what that means and how do I even know that they are collecting accurate information on me. I have provided them transaction history that only the account holder would know and offer to provide other Government issues ID that contains less sensitive and/or confidential data. Still there has been no resolution on my account. I would just like my account unfrozen. This whole experience has been frustrating and such a personal violation. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: AL

Complaint narrative:
XX/XX/2022 I reported unauthorized transactions to Direct Express. I also informed Direct Express that it is impossible to set up online account for my benefits as it appears someone has already set one up without my permission. The agent said Doesnt see unauthorized transactions.. However, I had not given the agent a date, amount of transaction, or payee. Agent cancelled my Direct Express card and put me on hold. Now, XX/XX/2022 when I call Direct Express I am only allowed an automated recording which states my new debit card was issued on XX/XX/2022. I have not received my card and I was not allowed to dispute unknown transactions. There is no prompt to speak with Customer Service, automated recording says date issued then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.

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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, Im having a problem with Chase Bank, I deposited 4 checks in my account on XX/XX/2022, totaling almost XXXX XXXX dollars, those 4 checks got flagged by chase as potential fraud, and in order to release those checks to me, they wanted to verify the maker of the check, but since they couldnt find a registered phone number to that company, after 10 days they closed my account, and they are holding the funds ( chase ), but the funds went out of the makers account, so I reached out to chase and asked them to either release the checks to me, or to return the checks to the maker if they think it was fraud, I dont think its fair for chase to hold the checks with them, now the maker doesnt have the money because chase took the money out of their account, and I dont have it either because chase is holding the funds in suspense, which is not fair, im a chase costumer for a long time already, I tried calling dozens of times and I went in to dozens of chase branches and nobody can help me, the only option they gave me, is for the owner of the company that made the checks to go In to a chase branch and to verify the checks himself, but thats not a option, I cant force the owner to go down to a branch, Im in touch with his office but theres nothing the can do. 
and now Im stuck and Im missing almost XXXX XXXX dollar. 
I dont think its fair or legal that chase is just holding the money with them. If they think its fraud they should return the checks to sender, and at this point its been a few month, and I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.

Company response to consumer: Closed with explanation