vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was scammed for {$500.00} via Cash App by someone portraying to be a company that handles shipping services for businesses. 

I contacted Cash App and reported the account immediately once I realized I was scammed, Cash App stated they would investigate and submit a refund request to the other party on my behalf, and let me know something by XX/XX/XXXX. I sent another follow up one week later, and was told there wasnt anything they can do about it. 

As a result, I escalated the matter through my bank. 

My bank reversed the payment from my Cash App account on XX/XX/XXXX, since I added cash and didnt send payment directly to the other party where the money was pulled from my personal bank account. That was the only way my bank could resolve it. 

Cash App now placed my account in the negative of {$500.00}, instead of collecting the {$500.00} from the person I was scammed by. Not only did Cash App let the scammer walk away with a free {$500.00}, they also expect me to pay {$500.00} to bring my cash app account out of the negative, which happened as a result of them not doing their due diligence. Im reporting them for fraud and for attempting to scam me out of an additional {$500.00} which they could have recovered, by just pushing a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Morning, I have been in my home for XXXX XXXX now. I set up my payments to come out of my check every XXXX weeks with the first mortgage company, and BSI Financial purchased the loan. No issues for the first year, then the payment for the escrow went up, fine but my payments still came out of my check every two weeks and I would send any additional monies in a check. BSI is reporting that my mortgage is late on my credit report but is not charging me late fees, and on months that they receive an additional check from me I requested that they put it toward the escrow first and any remaining amount toward the principal and I still send a check. Every month I receive a phone from BSI saying I owe them additional money and I have to call my Credit Union and give them the transfer code. In the meantime, they are have ruin my credit which I was trying to rebuild after XXXX years of being out of work. I have served my Country and I'm trying to do the right thing. I'm doing the same thing and going above and beyond to meet my obligation to still get shafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Credit Card decided to charge me an extreme interest charge with no explanation or reasoning on XX/XX/XXXX. I have been with this company for over 2 years and this is the first time they have done this to me. 

On XXXX, they contacted me because I had gone over my credit limit by like {$20.00} but they paid it and in the message they stated that, they do not charge for going over the limit. On XX/XX/XXXX I went to make a {$300.00} payment and realized that Capital One had charged me an interest charge in the amount of {$160.00}. I contacted their customer service department to see why there was this huge fee on my account and they proceeded to tell me that sometime these charges are because you are late with payments. I explained to the rep that in the whole time I have had the card, I have never been late. Then he explained that these fees are sometime because all you pay is the minimum fees. I explained to the rep that I often exceed minimum amount over 100 % in just about all of my payments. Then he told me that it was because of the type of credit card I have. So I asked him to explain how that works when this is the first time Im hearing about this. Again, he explained that this is an example he was given so really unable to explain why after being with his company for years I was suddenly targeted and being charged extreme amount of fees. I asked him if I cancelled the account, will they still keep charging me these fees to which he stated Capital one will continue charging me this interest charge no matter what I do. 

I think this is unfair as it seems to be targeting people who dont make a lot of money so they can keep me in debt and downside. They have been asking me to send them proof of my paycheck so they can decide whether to give me more money. I refused to provide that more information as I did not want additional available funds on my card as I just wanted to focus on paying my card off. Last week I inquired about transferring my balance to a couple of companies including Capital One and I guess they used that information to penalize me a week later because they now had my paycheck amount. Which I know is an unfair practice according to the law. According to the CARD Act of 2009 called for fees imposed upon consumers to be reasonable and proportional. It placed limits on late fees and changed how credit card companies can charge for over-limit fees. 

An almost {$200.00} fee is unfair and should be illegal. I am requesting your help in stopping Capital One in this unfair act of penalizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
PENFED Credit Union has added additional burdens to the auto loan application process. Initial Credit application denies, and then, with spouse, unnecessary discriminatory burdens were added. I explain : The latest, as we submit a well Legible Utility Bill for personal and address verification ( Spouse ), they still withheld approval, until the Utility Bill was submitted in a Color Scheme of same Utility Loan, with same information. 

PENFED assumed that a black and white legible utility bill could perhaps be a fraudulent document, as the shown names of applicants are of XXXX XXXX, and document originating from the XXXX of XXXX XXXX. PENFED demanded, in order to approve loan, that it needed to be " Clear Legible and Color Copy. '' A copy is a copy ( Black, White or Color ), it makes no difference as it contains the same personal/address verification information. PENFED 's overwhelming and discriminatory request falls shorts of standards expected from this banking industry, placing gender, race and other traits aside from a fair application process. 

This assumption clearly discriminates to applicants, Veterans, Female and XXXX 

XXXX XXXX, XXXX  XXXX XXXX, XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2023 I spoke to a rep at Paypal concerning a refund for {$420.00} I was expecting. the rep said it would be available by XX/XX/2023 and indicated there were no other issues with my account. When I logged into Paypal on XX/XX/2023 there was a message saying my account was permanently suspended and I could not access any money for more than 180 days. 

I called Payapl and asked why it was suspended, they rep gave me no clear answer and just said it had been reviewed. Then she began asking me about why I had so many payment cards linked to my account. I explained that I never removed any of the olds ones, she said I had too many. Well I have had this Paypal account open for almost 20 years and cards expire and change over time. Never once has Paypal sent a notification that there are too many cards linked to it. She went on to remove some and said she would submit it for another review. This company is literally holding my money hostage for no clear reason.

I want my balance released and this account closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I received an email this morning from a company called XXXX and it charged my PayPal account over {$600.00}. 
I don't want to open the email again because I'm afraid that it's going to do something to hack my accounts or inflict a Virus. I called the number that I thought was PayPal and a gentleman that I could not understand immediately answered and I can understand what he was saying. And he said " XXXX '', so I said, You're not PayPal '' and he hung up on me. There's an invoice number which is XXXX, -, XXXX. And a receipt number XXXX - XXXX. The charge was for over {$600.00}. From a company called XXXX. This is not anything that I have approved or ecer purchase from. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: NJ

Complaint narrative:
The No Surprises Act and the Fair Debt Collection Practices Act both have been violated by Medical Revenue Services collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for collecting a prohibited medical bill that is also in violation to the No Surprises Act. The medical bill of {$2300.00} has derived from a sudden emergent medical illness, which was charged by an out-of-work provider for emergent medical attention. In addition, I was deemed XXXX by the XXXX at the time of this sudden emergent medical illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via XXXX and XXXX. We uploaded appropriate documents to their websites, but then someone at Rocket Mortgage responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your Rocket Mortgage 's Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

Rocket Mortgage is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, Rocket Mortgage is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With Rocket 's current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either Rocket needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask Rocket Mortgage to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I have tried numerous times to close my account. The phone representatives tell me they will send a request to close the account, but it doesn't get closed and I get charged a $ XXXX monthly fee. Today, XX/XX/23, I attempted to call to have it closed and told the representative I would be filing a CFPB complaint if it wasn't closed. They reviewed the account and saw that the last request for closure was made on XX/XX/23. He said it hasn't been closed and after researching told me I had to email a branch manager that I would allow them to remove XXXX from my account so that they could close it. They said, otherwise, they won't be able to close it for a year, but would still charge me the $ XXXX monthly fee every month. I attempted to email the branch manager that the representative told me to email : XXXX. The email immediately " bounced '' back, the server response was : XXXX Remote Server returned XXXX XXXX RESOLVER.ADR.RecipientNotFound ; Recipient not found by SMTP address lookup ' All I want is to close my account, and I have spent several hours trying to do so. There is only XXXX reason to make it this difficult to close an account- the bank wants to continue charging monthly fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via Experian and XXXX. We uploaded appropriate documents to their websites, but then someone at XXXX XXXX responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your XXXX XXXX XXXX Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

XXXX XXXX is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, XXXX XXXX is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With XXXXXXXX XXXX current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either XXXX needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask XXXXXXXX XXXX to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have occasionally tried to charge purchases on my BOA credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that BOA is reporting this to a credit agency ( XXXX ), when it happens. If the card was refused- fine, I will try and correct it. But, why is BOA reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported BOA improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

Sincerely, 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian XXXX and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something 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 2023-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have recently submitted a complaint regarding We Pay merchant services through Chase bank. That issue involved holding funds for 120 days for an unknown reason and shutting down our credit card XXXX account for an unknown reason, without responsiveness. That issue was resolved. However, we did not receive our most recent credit card deposit batch. I received no notice or information as to why. I sent a support ticket in and was told by two different Chase support staff that the transactions couldn't be located, even after I sent screenshots of the transactions. After calling several times and being on hold for extended periods of time, I was told that the transactions were located but are being held for five days. No explanation was given and no offer to assist me further was provided. Funds are withheld from our small business without notice or explanation. On any given day, we do not know if we will receive funds or if they will be withheld for extended periods of time. It is nearly impossible to operate under these conditions. The inability to connect with the We Pay service by phone makes resolving issues very difficult. The general Chase customer service line is unable to address issues related to We Pay and only provides generic responses to inquiries. No actual support is provided. We Pay is not responsive to requests for support by email or through their chat feature support.

Company response to consumer: Closed with explanation