vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XX/XX/XXXX at XXXX after the mail ran. I got XXXX letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and molested XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid XXXX payments toward XXXX XXXX XXXX that I did not get to use. I was XXXX XXXX XXXX XXXX still not able to work nor do I have a car or a way to earn money and do not have enough XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. XXXX XXXX XXXX  The accounts keep coming back as verified and a professional hacker that charges XXXX an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked XXXX times and they have key loggers on my account. I have had to move XXXX times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had life lock used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every XXXX seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for XXXX bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXX XXXX XXXX XXXX and so much more. I want this handled after XXXX years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I was charged {$71.00} for an interest charge XX/XX/31 which, after contacting Goldman Sachs ( Apple Card ) on XXXX, was told was trailing interest despite my never having been charged such a fee, despite paying off my full balance. In attempting to address the issues with the company, I pointed out that their payment app only showed one type of interest charge, and no indication of any other type. I was told I misunderstood the terms despite pointing out that I /never/ had this type of charge before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is reporting an open account and unpaid balance of {$1100.00} to my *XXXX  XXXX profile. My Credit profile shows that this XXXX account was charged off in XXXX. Legally they can not report a balance that was sold/charged off. This account was charged off in XXXX and bought by XXXX XXXX XXXX in XXXX. 

XXXX XXXX is reporting an open balance of {$1100.00} " Twice '' on my credit reports. and is reporting to all XXXX credit bureaus for an account that is over 7 years which should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
i noticed on my credit report that i owe {$230.00} to XXXX XXXX XXXX ; however, i never received anything in writing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: WI

Complaint narrative:
We refinanced with Intercontinental Capital Group XXXX Inc DBA Proven Mortgage last year in XXXX. Previously, we were making {$2100.00} payments on our new construction home for the year XXXX with a different mortgage company, with appropriate escrow included for taxes and escrow cushion. We were set up with the correct amount for mortgage payment, PMI, and escrow in our monthly payment with a little surplus to be sent back to us. Intercontinental Capital Group , Inc reached out to us with a refinance opportunity. We talked on the phone with an agent who told us that Intercontinental Capital Group , Inc could get us a better rate and lower our monthly payment to {$1600.00}. They did all the math to show us that this would be our new monthly payment. We now understand that they assumed the escrow payment to be only {$2300.00}, which is what we paid in taxes for only 4 months of the last year ( XXXX ). They did not estimate for the full year in order to show us a lower monthly payment and get us to refinance with them. If they had done the math correctly and had been honest we would have only saved {$80.00} a month and not refinanced with them. Once we completed the refinance, they immediately sold our loan and disappeared. We have contacted the number provided to us by the agent and Intercontinental Capital Group , Inc did not answer the phone and stated they had no idea where our refinance documents were or who serviced us. We now owe an unexpected {$7000.00} this year to make up for the escrow that was not calculated by Intercontinental Capital Group XXXX Inc and our new mortgage payment is not much of a better deal than it was before the refinance. We have been deceived and our escrow was mishandled leaving us in a difficult situation of paying out {$7000.00} which we do not have or paying an extra {$1000.00} a month which drastically impacts our quality of life with our two children. If we had stuck with the original mortgage company and did not refinance we would have been fine, but because we refinanced with Intercontinental Capital Group , Inc, we have financial damages to deal with for the year of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST ADVERSE ACTION DATED XX/XX/2022 Recently, I, was denied an extension of credit by Discover. On XX/XX/2022, I applied for a personal loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act o proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 reference number : r XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Discover should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
On XX/XX/2022 I wrote Experian to inform them of inaccurate information on my credit on my consumer credit file. This is my second time disputing these egregious items on my credit file. Under the FCRA I am a federally protected consumer assuming this company can not give me unquestionable evidence of these accounts they must be removed immediately.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo fraudulently opened two checking accounts in my name around the end of XXXX. I reported it to their fraud department. I got a letter stating these accounts would be closed by XX/XX/XXXX. I just received two statements for the said accounts dated XXXX XX/XX/XXXX. 

These were reported fraudulent and have been left open.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed three of my credit cards. I have NEVER been late paying any of these cards and when I used them nor my other debts including my mortgage. They sent me a letter stating that I was " indicative high risk or failure to pay ''. When I tried to call asking them how they determined if I was high risk or failure to pay, I get routed to some call center in XXXX and the person could not give me any explanation AT ALL. As a result of XXXX credit cards being closed, my credit score tanked tremendously and I can not refinance my home. I read the disclosures and NO WHERE does it state if you maintain high credit card balances, your accounts will be subject to closed. Had I known this, I would have NEVER opened any accounts with this bank. I am screwed because my credit score went from XXXX to XXXX as a result of this bank closing XXXX accounts. I have read several consumers complaining of the same thing. What I noticed is many of them such as myself are in the process of refinancing and then they start closing accounts. Times are hard but I pay my debts and there are NO late payment or missed payments on my credit report. This needs to be looked at because people are suffering due to Synchrony Bank and their deceptive loan practices

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 2022-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent disputes to Equifax, XXXX, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Our mortgage is through Flagstar. We requested and were granted a Covid 19 forbearance in XX/XX/XXXX. Since XXXX of XXXX, we have been trying persistently to restart our payments. Flagstar has been nearly impossible to work with. We can never get a clear answer. Recently we were denied relief, with no explanation, and asked to pay upwards of {$100000.00}. We appealed the decision. However, we still have gotten no answers from Flagstar. It has become impossible to get into contact with any one who can explain to us their decision making or how we can work with them to restart our payments. The entire process has been extremely anxiety inducing. We are worried that we will be foreclosed upon once the appeal period is over.

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. 

Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 

5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason.

6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
On XX/XX/2018 an XXXX loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report. XXXX XXXX XXXX refused to give me the credit Application and copies of my identification that match my information. I submitted a fraud affidavit to XXXX XXXX XXXX to report the fraud. Instead they took my information out the application and update their system to say that my number match etc. I never called or have a conversation with XXXX XXXX. I need XXXX XXXX XXXX to provide me a copy of the credit application and my identification whom presented at the time and date of question. XXXX XXXX needs to provide proof where I called them from my number. XXXX XXXX XXXX stole my information to update their system when I report and submitted fraud affidavit to them.

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 2022-02-02 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
XXXX XXXX my bank account from Huntington was taken out for withdrawal under miscellaneous for {$1500.00} and I call the bank and ask them what was that transaction? The bank told me they dont know and will investigate. I also went to their branch in XXXX because I felt whoever I talked to was not much of a help. The teller I talked to also said this was a very strange transaction and she never seen anything like this. She couldnt figure out what this miscellaneous transaction was and told me she will put in a dispute for me. Two weeks have gone by and I didnt hear anything from them so I gave them a call back to check on the status of my dispute. The customer service told me that I withdrew {$1500.00} in XXXX and it was their fault for taking money out 2 months later, they kept apologizing saying it shouldnt have never happened to me and shouldnt have taken that long for the transaction to appeared. I told them I didnt withdraw anything for that amount and asked for proof of transaction in a documentation. They said they will send a letter explaining to me about what happened. XXXX week went by and I waited but no letter from the bank so I decided to give them another call, they told me there is no documentation or letter to show what happened and kept apologizing again. Most withdraw transaction say money withdraw but the {$1500.00} they took out it said miscellaneous, I found that transaction to be very strange and this bank is just trying to cover up someones mistake by blaming me. And I XX/XX/XXXX they took {$700.00} from my sons checking account and add that amount to my checking because they said my name was also on his account. Even though my name is on his account, they shouldnt have taken money out of his account because he is a XXXX XXXX student and work only part time and now he have no money to spend. He worked very hard just to save up to {$700.00}. I called the bank to ask them why did they take the money from my son and they said to cover the negative account in my bank. I told them its not right for them to do that to me as a single mother and to my son because they are ruining my bills I have to pay. They apologize again and nothing was done. I then asked again if they have proof for my {$1500.00} withdraw and they told me they dont have any letter to show it and cant provide anything. I am very angry with this bank and the poor customer service they have, I feel like they arent trying to do anything to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. TransUnion and XXXX have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for TransUnion and XXXX to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, TransUnion XXXX XXXX XXXX XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to TransUnion and XXXX. I am not including XXXX because they have removed the Data Furnishes.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2021, I transferred {$5000.00} from an account I had at BBVA to an account I have at XXXX Bank. On XX/XX/2021, I transferred another {$5000.00} from the BBVA account to the XXXX Bank account. Only XXXX  of the transfers came through. PNC subsequently purchased BBVA and is refusing to find the missing money and return it to me. My bank statements from BBVA prove that XXXX transfers were made. My bank statements at XXXX Bank prove only XXXX transfer arrived. My personal banker at XXXX Bank looked into it and only saw XXXX transfer. PNC agreed to send me the tracing number but did not. And now, they are saying because more than 6 months is passed they are not obligated to return my money. All I am asking is for the return of what is legally mine and there is sufficient evidence to show that XXXX transfer was lost. They won't even research it because my guess is that they can't since it was BBVA. But they purchased BBVA, which makes them liable. I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
XXXX XX/XX/2022. Check amount XXXX. XXXX XXXXXXXX XXXX Certegy declined check. Why? 
Called my bank and they are not happy with you. 
Went to XXXX and did not have an issue. So won't be using your customer, XXXX  again. 

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