vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
There was a 25 % transfer bonus for points transferred from Chase XXXX XXXX into XXXX XXXX and was scheduled to end on XX/XX/scrub>XX/XX/2023. I attempted several times to make a transfer on that date before the promo period ended and kept encountered errors with Chase 's system cancelling my transfers upon submission. I called into customer service that night several times ( on a recorded line ) and was told there was a system-wide issue with Chase XXXX XXXX and XXXX XXXX. There were many many people impacted because I was on hold for 3+ hours late in the evening and eventually at the end the representative told me she had added my name on a list of people to receive a follow up tomorrow and that I would be guaranteed resolution with the bonus points even though the bonus was going to end that night. Again, all of this was on a recorded line that I was being promised the 25 % bonus because the issue was due to a system error. All of this has been documented in my chase account as well, as told to me by the reps I of course did not receive any follow-up and when I called back the next day and i requested opening a case with the marketing team for the bonus points since they are the only ones who can manually credit for points issues. I was forced to transfer points without the bonus since my plane ticket was on hold with XXXX XXXX and I had to book the ticket before the price went up, however I was assured a second time that I would receive credit because the error was a system error. 

I received a follow-up letter in the mail related to the case opened and stating my transfer happened outside the promo period and I was not eligible for any bonus points. The only reason my transfer happened outside the promo period was because of Chase system outage and I was promised on multiple occasions the points would be credited. Again, this was all on recorded lines and with heavy heavy documentation notated in my account notes according to all the reps I spoke with I needed XXXX points in total transferred and I had accounted for a 25 % bonus, which means I intended to transfer XXXX points and receive a bonus of XXXX points. Since the transfer errored out I was forced to transfer XXXX points in total and I lost XXXX points supposed to be received as bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am writing to escalate a critical issue that has persisted for over two months and I've exhausted reaching out to CashApp. My bank mistakenly initiated disputes for three transactions totaling {$600.00} ( {$200.00} each on XX/XX/23, XX/XX/23, and XX/XX/23 ) sent to XXXX XXXXXXXX. 

Cash App subsequently refunded these disputed amounts due to the bank 's error. XXXX XXXXXXXX contacted me directly about the missing funds, and I confirmed the mistake with my bank. My bank has since reversed the disputes, but the refunded funds have not yet been returned to XXXX XXXXXXXX. 

I initially contacted Cash App support via email and was informed that I needed to provide proof of the reversed disputes from my bank. I immediately responded to the email with the requested confirmations but haven't received any updates since. 

This situation is causing significant financial hardship for XXXX  XXXX and myself. 

Since originally contacting them, I have been pushed around and actually have had them hang up the phone on me multiple times. 

My Cashapp information : Username XXXX XXXX XXXX  Email : XXXX Attached I have emails from my bank noting that they have closed the disputes, and no funds were recovered. Also, a chat thread where a support agent states that I attached proof they will reverse. 

Ticket number that I am aware : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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 2024-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
My home was originally financed by XXXX. As best as I can make out, they sold it to XXXX. 
I was instructed, when this happened to submit my payments, online, on their website. 
I set up an account several years ago, and have been doing this, on time, and often with double payments. 
On XX/XX/XXXX, I logged in and submitted my payment, to be drafted from my bank, as I always have. I checked after submitting, and their records stated they had received my payment. 
I then went online on XX/XX/XXXX and made my monthly payment. 
I checked after submitting, and their records stated they had received my payment from my bank. 
A few week 's ago, I received a letter stating I had not made my payment in two months and was in danger of foreclosure.

After seven calls to XXXX, showing them where I had made my payments, they claimed to never have received it. So, I went to my bank to verify. My bank reported that XXXX had never submitted my request. 
I performed a direct pay from my bank account to XXXX in approximately the amount of XXXX. I then called XXXX again, checked my account, and it showed the money in the account on XXXX 's site. 
XXXX continued to say I had not made my payments, while the money was visibly in the account for all to see. 
After several phone calls, they finally applied the money to my mortgage. 
Two days later I received a letter saying XXXX had received two insufficient funds notices from my bank and that I was in danger of forclosure. They also said, going forward, I could only submit my payment via certified check or money order through conventional mail, that I was locked out of my account for XXXX months, until I could " prove my reliablity. '' I called my bank. My bank said that was not true, that XXXX never submitted my request. 
When calling XXXX, the XXXX states they recently were the victims of a XXXX  XXXX. 
When I bring this up to them, and tell them, I have done nothing wrong, they do not acknowledge their mistakes, and are endangering my home. I am feeling incredibly stressed, frightened, and terrified that they are going to try to take my home, and there is nothing I can do about it. 
My account is currently paid up. My next payment is due on the first, and as noted, I must go to the bank and get a money order, and physically mail my payment to them. 
From the very start, XXXX has had a very unreliable web site. Its behavior is very unpredictable. 
They simply will not acknowledge their company 's mistakes, and are victimizing, then blaming the victim for their failure. 
I am at a loss. I don't know where else to turn. I deeply need your assistance. 

Many Thanks, 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Moments ago, XXXX notified me via email that they have completed the requested investigation of my previous CFPB complaint ( Complaint Number : XXXX ). I am exercising my right per the FCRA to request a reinvestigation. Within the aforementioned complaint, I specifically communicated and requested that ALL entities, due to a laundry list of valid and legal reasons to please promptly and permanently delete their respective accounts, and for any company that chose not to, to provide me with documentation, which I will list below. XXXX of the XXXX disputed companies did the right thing and deleted the accounts which they were reporting. However, the XXXX companies that did not delete the disputed information were APPLE CARD XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX, XXXX APPLE/GS bank is aware and have confirmed to me when contacted, that I was compromised. XXXX has already confirmed to me that they are aware the account is fraudulent, and have told me personally on XXXX occasions that they would remove the account. Both companies have, or used to have, on record, a previously filed and submitted police report and Federal Trade Commission complaint, and neither company has deleted their respective accounts. I have conformed that they have this documentation on XXXX occasions ; once in XXXX, and again in XXXX. I SPECIFICALLY stated in my complaint that ANY CREDITOR/ENTITY THAT CHOOSES TO NOT DELETE THE DISPUTED INFORMATION, MUST THEN 1. PROVIDE ME WITH SUFFICIENT DOCUMENTATION OF PROOF, EVIDENCING SAID VERIFICATIONS OF THE ACCOUNT ( S ) WHICH IS BEING FURNISH, -WHICH WILL HOLD UP IN COURT BECAUSE " ACCOUNT STATEMENTS '' WON'T SUFFICE ; 2. THAT THEY MUST UNDENIABLY PROVE THAT THESE ACCOUNTS AND ALL ASSOCIATED INFORMATION WITH THEM ARE FACTUALLY TRUE, CORRECT, TIMELY, ADEQUATELY COMPLETE, AND OR UNDOUBTABLE ; XXXX. FURTHERMORE PROVE THAT I AM WHOLLY THE RESPONSIBLE PARTY. APPLE/GS BANK and XXXX did NOT provide me with ANY documentation whatsoever. With that being said, -my name, address, phone number, email, or any other form of public information, real or not, associated with me or not, does not give anyone the right to use that to automatically verify any accounts that do not belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX demanded that I repay a wire transfer for about {$21000.00} I received from a client in XX/XX/2023. That request was not from my client. I declined. Chase closed all my accounts without explanation and has held frozen my funds for XXXX weeks. Still dont have my money. They refuse to provide any explanation or justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX, I entered a COVID-19 hardship payment agreement with Elan Financial Services , requiring XXXX XXXX  monthly payments for 60 months. Despite making my first payment on the same day, XXXX reports showed the account as " closed '' on XX/XX/XXXX, with a last payment date of XX/XX/XXXX. Elan Financial Services refused to discuss or fix this error. 

By XX/XX/XXXX, my XXXX report showed the account as delinquent as of XX/XX/XXXX and " charged off. '' These inaccurate reports have severely harmed my credit score, will increase the interest rates for my XXXX XXXX college loans, and will limit my ability to rent an apartment or qualify for other personal loans.

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 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
RE : PayPal. I have used this company for years for quick transactions to vendors and getting paid via XXXX. When receiving the card you can opt to use the balance in the PayPal debit card first, which I did. 

The representative told me that for repeating charges, these charges are automatically taken from the bank. And for one time payments, there is a series of actions I need to take for it to be taken out of the money in the debit card. 

They were not using the money in the card for payments as I was expecting and I had plenty of money for all of the charges going through to be paid. Additionally they told me they try 3 times and they stop after that if they are still getting an NSF. I was charged XXXX each time ( bank statement below ). I even had to go to the bank and withdraw money from the ATM ( PayPal charges XXXX ) to make up the balance in my checking account. 

Since there was money in my account, PayPal deceptively and repeatedly tried to get money from my checking account. I would like for PayPal to reimburse these charges to me and refund the XXXX for the ATM fees. {$180.00}. Also, I would like for them to wipe out any outstanding balance I have with them. This program is designed to put consumers finances in jeopardy. This is criminal activity under the guise of making it easier to work with them. 

XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$42.00} XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$12.00} XX/XX/2024 DEPOSIT / Eff. Date : {$140.00} {$17.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$120.00} XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$92.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$62.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$32.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / ELECTRONIC WITHDRAWAL Eff. Date : - {$2.00} - {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Disputed Transaction Details : Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$150.00} Amount to be rebilled : {$150.00} On XX/XX/year>, I purchased an item, and despite receiving it, the product did not meet its advertised standards. The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$150.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has now notified me 3 times in 3 weeks they have updated my middle name, how pathetic

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
experian and XXXX both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is 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