vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Private Bank client for many years and learned that Chase was offering assistance to people and businesses that were impacted by the Covid-19 shutdown. In late-XXXX  and early-XXXX  I called Chase at least 5 separate times about my Sapphire Reserve Credit Card ( which I use primarily for business purchases ). Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my credit card payments would be deferred up to 3 months with no fees, penalties or interest. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances had become clearer and I were ready to make full payment for the credit card. When I reviewed the account, what I found was completely unexpected. For the credit card, Chase had assessed more than {$1700.00} in fees, penalties and interest since XXXX. When I called customer service, I was told they had no record of me ever calling, that the fees could not be waived and all they could do was have a manager call me within 30 days -- ( 30 days! ). 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Case update : XXXX Through PayPal and XXXX. 
XXXX XXXX has repeatedly taken amounts of money from my debit card for unauthorized transactions. I had one authorized transaction and XXXXPayPal has taken 4 unauthorized transactions for XXXX and took another 4 unauthorized transactions for XXXX each. Recently, I had to cancel a credit card and report it for fraud because the bank called and stated that the company had taken XXXX from the account and then tried to take another XXXX from the account ten minutes later. These charges were disputed to PayPal and they concluded their investigation within 3 hours stating that these charges were consistent with my spending. These transactions were not. I use PayPal for a XXXX XXXX XXXX and have now disabled any credit cards attached to the account. I want all funds reimbursed to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-31 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 — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

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 2020-05-31 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 — Investigation took more than 30 days
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

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 2020-05-31 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 — Investigation took more than 30 days
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
1. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report. 
2. The following account is not mine XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX Account Number :  XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 7. The following account is not mine XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 9. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it 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 explanation
Consumer complaint received 2020-05-31 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I paid this loan off XX/XX/2019. I was never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was using my cash app just fine at the gas station before leaving out of town. Next thing I know my cash app is frozen when I tried to send money to my little brother so he could eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and XXXX  updated my personal information based on the proof I sent. However, Equifax didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in mid-XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase was unreachable by chat or phone after numerous attempts on multiple days. Its website said this was because of the COVID-19 pandemic, which Chase had apparently not adequately prepared for. 

On XX/XX/2020, I requested by secure message for Chase to close the credit card immediately. Chase did not do so, and instead said my request was referred to the fraud department. 

On XX/XX/2020, I again requested by secure message for Chase to close the credit card immediately. Chase did not do so, and again said my request was referred to the fraud department. 

As of XX/XX/2020, the credit card is still open. The credit card has a {$0.00} balance, has always had a {$0.00} balance, and all the fraud department can do in case of fraud is close the account anyway so I don't know why the account is still open. Chase provided no explanation of why requesting the closure of a {$0.00} balance credit card is fraud. I requested the account to be closed through secure messaging after logging into the account, with " secure '' messaging suggesting that Chase believes this method of communication is secure. 

I have the following request of Chase, which is the same as my previous requests : Close account immediately. 

I should not have to make a dozen attempts over two months to close an account with no balance. I have no credit card statements I can attach to this complaint because Chase has not generated any. Chase has not generated any because there has never been activity posted to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and Transunion updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

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 2020-05-31 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: NV

Complaint narrative:
I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. Experian and XXXX  updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

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 2020-05-31 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
My little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them. 


XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX   XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$14.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX   XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$36.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00}

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 monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have been back and forth since XXXX with your reps in reference to our mortgage payoff and escrow reimbursement. We had requested a Forbearance due to Covid-19 during this time we decided to payoff the mortgage and requested a payoff and forbearance until the checks could be cut to payoff the mortgage. On XX/XX/XXXX called and confirmed the payoff as {$99000.00} we had XXXX   XXXX  cut checks for {$75000.00}, {$15000.00}, {$4000.00} and XXXX totaling {$99000.00} plus the {$160.00} escrow. Since we owed nothing but mortgage and had included the extra funds due to a bank error. Our refund should have been closer to {$1000.00}. On XX/XX/XXXX we found that my account which had the last check had been locked for fraud. So they forced us to pay {$5400.00} claiming that was what we owed. It turns out they received our payments on XX/XX/XXXX via XXXX XXXX  and never applied the payment to anything but what was holding for forbearance.I am not sure how they continue to get away with such creative accounting but it is fraud all day long. The last complaint we filed a rep called us from Wells Fargo and yelled at me in front of my husband because that was out 3rd complaint. I have health issues and can not take them calling and yelling at me again. They DO NOT LOOK AT THE ACCOUNTING they recently foreclosed on us and wiped us out financially to keep our home.I have excel sheets that prove what we should have paid and what we have been charged. They will not fix the situation and continued until the last payment to rip us off. Something needs to be done.They claim is banking practices but I spoke with XXXX XXXX  and what we have been told these are not proper practices the lying about contacting us alone is illegal. The list of what has happened since they took over our mortgage no one should have to go through!

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 2020-05-31 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: CL Holdings LLC
State: AL

Complaint narrative:
This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESSES REPORTED 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 explanation
Consumer complaint received 2020-05-31 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: AL

Complaint narrative:
This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter

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