vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: TX

Complaint narrative:
I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, XXXX. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted XXXX several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). XXXX has very poor controls and it is impacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MI

Complaint narrative:
Equifax has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Equifax my written consent to do so. Equifax is in violation of the USC LAWS listed below.

Equifax, please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On or about XX/XX/2021 my Fall School Federal XXXX XXXX and my Federal Student Loan were accidentally deposited by XXXX  XXXX into a closed USAA Checking account that belonged to my Brother XXXX XXXX which I was on as a user per his instructions. However, he passed away in XXXX and USAA had closed the Checking account and turned over to another company to collect from XXXX XXXX estate when it was settled. 
Instead, USAA reopened the account long enough to take almost XXXX of my money that was to pay for my college XXXX semester and the took my money. I called numerous times, sent emails to CEO explaining that they had taken Federal Grant and Student Loan money and if it was not fixed I would be forced out of college and they said nothing could be done. So a former service member is now kicked out of college because of an error by XXXX XXXX  to begin with for depositing to a closed account which USAA knew it had my name only on the deposit. I am now forced to pay for a student Loan that I can't even get to take the classes for. Such a shameful origination that claims to cater to former service members but that's a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I had a Citi Double Cash Rewards Credit Card that I was actively making purchases and payments. And without any prior contact or notification, Citi closed the account with the below reason : " During a recent review of your account, we observed frequent purchases, and multiple payments from unknown sources, which are inconsistent with typical consumer use. As a result, your above referenced account was closed on XXXX XXXX, 2021 '' which is a very vague and insufficient action reason for closing an account that had zero delinquent history and very few ( if any ) over-limit history. Below are my complaints based on the reason letter : 1. " Frequent purchases '' : there is no clear and legitimate definition of " frequent purchases ''. Most of my purchases ( if not all ) were made so that my balance was within the credit limit of the card and each purchase is not small amount like {$1.00}. Thus, there is no way the account had " frequent purchases '', otherwise it will be over-limit. From common sense, the number of transactions per month for this card is perfectly normal given this was my primary card. 

2. " Multiple payments from unknown sources '' : I can provide valid source for absolutely all of the payments made on this card, mostly from my own checking account anyway. All payments other than my own checking account was made by the same one source for which I can provide valid information. Citi Bank never made any successful attempt ( mostly likely any attempt ) to contact me to verify the source through any method such as phone call, text message, email or letter. Simply " unknown '' from Citi itself is very unprofessional and limited. 

3. " Inconsistent with typical consumer use '' : there is no clear and legitimate definition of what a " typical consumer use '' is. Everyone is different. The definition should be based on government regulations and rules, not just some random 5-minutes analysis or personal preference of the reviewer in which case is clearly a discrimination against me. And it is also unclear of what is " inconsistent '' because again, every account activity is unique. And my account had no suspicious activity as all purchases and payments had valid sources. 

4. " As a result, your above referenced account was closed '' : all the above observations can not sufficiently imply to the closure of an active account which has perfectly valid purchase and payment history.

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 2021-12-11 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: TX

Complaint narrative:
I was notified through a push notification and email from Chase Bank, that there was a suspected fraud transaction. The transaction was from XXXX XXXX, located in XXXX, TX, for the amount of {$4000.00}. This fraudulent transaction took place on XX/XX/2021. I immediately disputed this claim to Chase by calling their fraud department. The fraud department advised me that they had determined it was fraud and that the transaction was had tried to be processed numerous times before successfully charging my card. On XX/XX/2021, I received a letter in the mail from Chase that was dated XX/XX/2021, notifying me that my fraud claim had been denied. The letter did not state the reasoning, nor did they provide me any information on how to dispute their finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to use my ATM card associated with my savings account at a casino. The transaction was declined. When I got a customer service rep on the phone at Chase, I was told there was a " fraud hold '' on my profile and no one was available in that department to assist. I then went to a local branch and was allowed to withdraw {$300.00} from my checking account. I attempted to call the fraud department the next day.i was on hold for XXXX hours and no one picked up the line. I checked my account activity the next day. My transactions included a {$260.00} non Chase ATM withdrawal. I suspect this is the casino withdrawal I attempted but was denied. So did the ATM state I received money when in actuality I did not? I tried calling again, to dispute the transaction and to see if this has to do with the fraud hold. Again, I was on hold for XXXX hours and no one assisted me. 
I can not file a claim for this transaction. Every CSR I speak with states only a specific department can assist, since it's a fraud hold. But no one answers the phone when I call the department. How are customers supposed to reconcile these issues when there is absolutely no assistance? Why does Chase hold money XXXX but refuse the right to speak with someone about these issues? I want to file a claim regarding the {$260.00} withdrawal and I want the fraud hold gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I came off of forbearance in XXXX of XXXX due to my industry being shut down due to XXXX. I had began the process of submitting an application for a loan modification to Loancare LLC. I was also assigned a single point of contact that did not actually exist. Every time I called I spoke to someone different, and was given different, incorrect or insufficient information every time. After 9 months of going back and forth, Loancare finally accepted my application and has considered it complete. They sent me my trial payment period plan offer. I have until XX/XX/XXXX to accept their offer. This is also when my first payment of the trial offer is due. At the same time they sent me the offer, I got approved for a grant for mortgage assistance for almost the exact amount I am behind on. When the company reached out to Loancare to retrieve my file- Loancare told them that they can not accept my assistance because I am already entered into a modification. I have not agreed to or signed anything or made my first XXXX payment! They have dragged out my loan modification application process for an extra 9 months, without allowing me to make payments, putting me further delinquent. I took extra steps to get approved for mortgage assistance and they will not accept it. They told me numerous times to send in the same documents over and over again while submitting my application. Many times I had to start all over again, due to them stating it was incomplete, even though I had proof of the email with the documentation. They would mark my application as incomplete without notifying me if other documents needed. They are purposefully making it difficult for customers coming off forbearance. They are trying to set people up for failure and take peoples homes since the equity in all homes is sky rocketing right now. I am sick to my stomach from their tactics. I am so worried that by the time I can get someone to help me, my opportunity to have receive the assistance will be gone, since it is a first come first serve basis, and Loancare will get what they want, and force me into agreeing to the modification.

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 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
This is the second time that this problem has happened to us with the payment of my mortgage, the first time it was solved but this second time since approximately XX/XX/XXXX we have not been able to solve it since the bank raised the monthly payment of {$580.00} to {$910.00} as of XXXX, arguing that it is due to lack of property insurance since our contract had been in force from XX/XX/XXXX to XX/XX/XXXX and one of the many times we had been talking to them to To find out where the problem was, we were finally attended by a person from the insurance department named XXXX XXXX, who looked in detail to find that indeed the house had always had insurance and that this had been their error, she told us that she had already updated the information And that he was going to send it to the escrow department to review it and make the corresponding corrections and he recommended that we call again in a week and so we did and sup Apparently they had already made the corrections by lowering the payment to {$720.00} but according to the amount of the new insurance policy it does not correspond to that amount and through you I want you to give me a solution since even so my payments are still higher than they should be. since according to the numbers that I have they are : {$160.00} Principal {$280.00} Interest {$130.00} New taxes {$41.00} Insurance Policy leaving a total of {$620.00} and not the {$720.00} that they are charging me. 
For this reason I decided to contact you and ask you to please help me solve this problem, because it has been impossible for me, they only tell me that they are going to call me and they do not do it and while I continue to pay an unfair amount. Thanks!!

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 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Trans Union my written consent to do so. Trans Union is in violation of the USC LAWS listed below. 


Attached are pictures of the items that has been reported without my consent Trans Union please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is reporting on my Personal Credit Report a Card that is a business account. I am the CEO/Owner of the company yet it is not a personal credit card. I have tried to dispute and reached out yet they have not removed the negative mark of my personal credit allowing it to reflect on the Business Credit. This is Illegal. 

I have know legal binding personal relation to the XXXX XXXX XXXX credit Account. The card that they are reporting on is a Chase closed business account credit card account ending in XXXX Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX they issued a provisional credit as I stated and I guess this bank as usual doesnt read things right that in a dispute they sold fake cases I learned that so I didnt open the package I REFUSED the package on XX/XX/XXXX of XXXX. See the tracking number!!! When you refuse through the XXXX they take it back and return back to sender. I am not responsible after refusing the package ( as its not in my position its the XXXX sending it back to the original sender ) if the XXXX delivered it. Upon calling them today they said they did. So I suggest the bank and the merchant deal with that because I returned it!! Its says refused which means I dont even have it in my possession the XXXX sends back to sender when you refuse! The XXXX man said they would only do this if I refused it and did not open it. So I refused it as I will provide the screenshot from the actual XXXX website and it was on its way back. Thus when you refuse a package its returned to sender. If the merchant is that ignorant they should probably call the XXXX and speak with them. I am providing the actual tracking, Barclays response that the merchant is right which is laughable since I never had opened said package it was refused!!, and the mailman scanned it refused so I didnt touch the package. 

I suggest the merchant and Barclays give me the XXXX back as I have the proof attached it was refused by me and back to their state. If I dont see the XXXX youll be hearing from my law firm. You know the one you say you call but you never leave a message but nice try saying you contact people when you clearly dont leave messages for them. 

Last warning Barclay you see it refused and you are blatantly refusing to credit me you instead charged it back on Me. Thats fraud.

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 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C system is trying to collect a debt before providing me enough information. 

I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. 

The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. 

When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!

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 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Experian my written consent to do so. Experian is in violation of the USC LAWS listed below. 

Experian, please send me a copy of my letter that I handwritten and gave you my permission to report these items. 


Attached is photos of the accounts that has been reported without my WRITTEN consent. 

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2021, my money was taken out of my account by paypal. I had {$1400.00}. I was receiving money from friends and family, but Paypal took it upon themselves to restrict access to my account and prevent me from taking my money out. PayPal issues NO communication to me, and gave me NO indication why this decision was made prior to action being taken. PayPal never reached out to me to verify activity or verify my identity. PayPal acted solely on their own with a lack of information and a lack of due diligence. PayPal had taken it upon themselves to withhold my money and keep it in their possession with no clear instructions or options of resolution. This is what they wrote in their note " {$1400.00} USD ; PayPal Posting Date : XXXX XXXX XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation ''. I want my money back or I will seek legal action.

Company response to consumer: Closed with explanation