vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: FL

Complaint narrative:
Transunion is reporting incorrectly a balance of {$14000.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and this line item has a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting of a balance is harming my credit score and this line item needs to be reported correctly. I have contacted the bureau to fix this however, I have not been successful.

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 2019-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO REDUCE MY CREDIT LINE FOR MY AMAZON STORE CARD FROM XXXX TO XXXX. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY AMAZON ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ON ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP QUICK. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH DISCOUNT TIRE TO PAY THE ACCOUNT. BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY AMAZON ACCOUNT ONLY FOR EMERGENCYS AND XXXX. I HAVE NOT CHARGED ANYTHING ON MY AMAZON CARD IN 6 MONTHS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE. I HOPE YOU CAN HELP. 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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Date XX/XX/19 Amount XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
on XX/XX/XXXX I was trying to get a statement from my cash app account and I could not do it in my own so I went to the web site to get the phone number to contact them for help with getting a statement. the number I called was XXXX XXXX and spoke XXXX from customer service. He told me he could help me get a statement and wal me through the process. He told me that I had to do a demo transaction to create a statement and that it was not a real transaction it was fake and would not be deducted from my account. so I trusted him and sent a {$89.00} to XXXX XXXX then he told me I had to do another one for {$290.00} and then he said one more for {$430.00}. He told me to wait 5 minutes and I shoud get a statement in my email. No statement so I called him back and be blocked my call. I called my bank to tell them what happened ( XXXX XXXX XXXX ) they told me I was just scammed. I did file a claim with XXXX XXXX XXXX but they denied my claim because they said I initiated it and they did what I requested even though I was scammed. Now I want to make a claim with cash app. which is Square cash. I recently received a call on XX/XX/XXXX. from someone posing to help me with my refund regarding my scam. They wanted me to open a secure account where they can send my money back. I asked them was they from cfpb and he said yes. Then he said he was from California and calling for Square cash. I believe it was the same person who scammed me the first time. I felt harrassed by this person. Can you please help me to contact Square cash ( cash app ) to resolve this matter and get my money back. I recently received a letter from XXXX XXXX from Square cash in California saying she was investigating and wanted copies of the transactions and provided her email XXXX no phone number was provided. I am continuously being harrased by these people claiming to want to help me get my money back..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My area was hit by a bad hurricane last year and we are still trying to recover. It has been a finacial struggle and I have tried to tell the company and they don't want to hear it. They said they would keep calling me until I made a payment. I have tried and they ask me personal questions about my bank account, how I'm paying my other bills, if I could borrow the money etc. I have told them I would send a payment as soon as I could and they said " we will keep calling until we get a payment '' I have tried to tell them not to call I would go make a payment as soon as I could. Being that my husband and myself aren't working it's hard to pay a bill when we are struggling to pay the important bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX, Wells Fargo refused to do a loan modification for my VA insured home loan under the IRRL. We were behind on payments due to my unemployment ( as a result of my XXXX and XXXX ) and they intentionally undervalued my home ( claiming it was a 3 BR/ 2 Bath single family dwelling on their report when in fact it's a 5 BR / 4.5 bath SFH ). After I challenged their assessment and requested an on-site home evaluation they moved to foreclose, forcing me to file Chapter XXXX. In XXXX of XXXX, I started having trouble making payments and reached out to several support agencies that were willing to help keep the loan current. However, Wells Fargo refused to accept these payments, only posting them on XX/XX/XXXX - ONE WEEK after they filed a motion and received approval to lift the stay on the foreclosure. NOW, they are refusing to even consider a loan modification despite me having sufficient unearned income to cover a 30yr fixed rate.

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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is attempting to collect on a debt I do not owe. I have not been aware of this debt. I have not received any letters or phone call from this company. And now it's on my credit. This is a violation of my 30 day right to dispute!

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We have put a freeze on the Credit Bureau accounts several years ago and lifted the freeze in the instances employers, bank, etc needs to check on our credit worthiness. Until now. We needed a credit line for business and recently need to change to a different credit card with XXXX XXXX. We tried another credit card with our coop XXXX Again ALL three bureaus required. 

We could not log in to our account with our login details because EQUIFAX apparently revoked the logins. After several hours on the phone having to respond to quizzes on minutiae of transactions done years ago they have in a database ( a luxury we do not have ), we objected. We we then told that we will have to provide them, EQUIFAX, the bureau that had our private details hacked, insisted we provide them with copies of our Social Security Card and Drivers License. And we need to write them for permission to our own data. We refuse to offer ANY private data to this company. 

We have our state representative, XXXX XXXX, taking this case up. We need this interaction to get Senator XXXX   engaged as well. 

So, here is the complaint : EQUIFAX practices have now become untenable and unlawful we can not log on to do a self-managed freeze lift unless and before we turn over COPIES of our Social Security Card, Drivers License and WRITE them to attain permission. Right now we can not do business because we refuse to work with Equifax. This choice means a diminished freedom to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
CALLED MY WORK NUMBER THIS MORNING. I HAD TO VERIFY MY NAME BUT THEY ALSO WANTED ME TO VERIFY MY HOME ADDRESS, WHICH I WOULD NOT, AND SHE SAID THAT'S FINE AND WOULD CALL BACK LATER WHEN I WOULD VERIFY INFORMATION AND HUNG UP. USING THIS NUMBER XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX  XXXX  claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX   complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, I opened an account with Navy Federal Credit Union in XXXX. I had a personal as well as a business account. I have been making deposits as well as withdrawals in the account since it has been open. Fast forward to XX/XX/XXXX. I was on vacation in XXXX and I was notified that my BUSINESS account was restricted and I wont be able to get the XXXX that's in it until I pay XXXX of personal debt that I " owe " Navy Federal. I was stranded in XXXX, my business is going bankrupt and I have a business partner that is not affiliated with navy federal and is requesting the funds. I contacted navy federal about this several. At first they told me to go to the bank with my ID and I will be able to get the funds out of the business account. I went into the bank and I was told that I cant and will never get access to my business account. I spoke with several representitives in the security department, and they all were rude and keep telling me I cant get funds to my business. I am a separate entity from my business and navy federal is holding my business account hostage. I am a veteran that serves in the United States XXXX and I am very disappointed in the treatment that I am receiving. I am in the process if being evicted, car repo and homeless because of this. All I am asking for is to access my funds that I worked hard for. I NEED HELP PLEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received notification from XXXX XXXX that TransUnion had received credit inquires from XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. All inquires state " XXXX XXXX XXXX ''. In understand that all three ( 3 ) of these are for a " XXXX XXXX '' Credit Card which I do not recall ever applying for.

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 2019-09-11 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: MA

Complaint narrative:
Hi, I was using Chase Sapphire Preferred card, I have booked a flight ticket of XXXX XXXX for {$4000.00} from their own travel website, for some reason on the date of flying the passengers were not able to take the flight. 
The Flight company asked to reach out to the vendor ( Chase travels ) to cancel or reschedule the flight since I used their service to book the flight. 
It was around 4 hours before the flight, I tried calling the chase travel whole night but no one picked up the call and meanwhile the flight took off. 
Next day Chase travel said that since the flight is gone we can not refund anything. I asked them that's it's your mistake since no one took my call when I tried for whole night for at least 4-5 hours. 
They said, since we can not cancel the ticket after 24 hours of booking, but I asked them that at least someone should have taken my grievance that time, and I was asking for re-schedule also for at least the return flight cost rather than the whole flight. But since no one picked up the call whole night they are putting this cost to my account and forcing me to pay. 
Need help in such case. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion directly multiple times in regards to inquires that were removed from my credit and is appearing again. I told the customer service representatives that I did not receive any notice. Each one of them refused to assist me and told me it is nothing could be done about this. My name is XXXX XXXX ; XXXX is my social security number. The representative were very rude to me and talked to my as if I do not have rights as a consumer. They told me sorry it will just appear on your credit repair. However that is unfair and unethical. I did tell them I would take legal actions. The representatives told me they did not care what I did it will not change the 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
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I have been in disagreement with loan forgiveness for the last few years. I am trying to get a PSLF and nobody told me that the loan had to be in a certain payment for this to happen. When I exit college in 2002 this was unaware for me. I have been paying on it for 16 years  now thinking I would get the forgiveness and nothing. I just think it is a way for the company to make money without being honest the person. Too me is a crook. I have filled the application out for the past years and denied. I have emailed them and have had NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I paid off my loan and i have proof from my bank, yet the company says i owe two loans. You can not re-loan if the first loan isn't paid off. So this company is double dipping on me plus charging me additional fees. I want them to be fined in the amount of {$1000.00} to be payable to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date:XX/XX/19 Time:XXXX Citibank ATM ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY I called and indicated that I deposited 3 checks totaling around {$1200.00}. The bank said it will investigate and will take 10 business days. I have few payments that need to be processed and some check payment will be bounced because my account will have a negative balance but the bank said they cant do anything annoy it because of the system issue. This bank is a global bank so how could this happen? I had similar issue with XXXX last year but they were able to temporarily reverse it so that I dont have to be in such situation that I encounter additional fees since it isnt my fault.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received 3 overdraft fees on XX/XX/19 from Chase Bank for {$34.00} each. I was told by the bank that XXXX XXXX EST is the cut-off time for credits/debits/transfers to my account. Ive also enrolled in text message alerts to inform me immediately if my account balance is overdrawn or below {$25.00}. 
On XX/XX/19 I checked my account right before XXXX XXXX EST to ensure the account was positive and in good standing. I keep money in other accounts and transfer to this account if necessary to avoid fees. No changes were necessary and I did not receive any alerts. I went to bed. 
The next morning I awoke to 3 fees for insufficient balance. I called Customer Service who said theres no evidence of the alert system warning me of any balance issue, and that right at XXXX my balance was positive. However customer service refuses to reverse the fees. The debit that went through the account is posted-dated XX/XX/19 on my bank statement yet my fees were generated from XX/XX/19 for a purchase of $ 189+ that was not present, pending or otherwise in my account at XXXX XX/XX/19 - the cut-off time Chase Bank has communicated to me as the time when any additional transactions toward the next business day. So if after XXXX I can no longer alter my account for my benefit, Chase should also not be able to break their rule to take fees from me. I escalated my complaint to a supervisor and they too refused to reverse the fees. I asked for a manager and I was told they will call me but the manager has not and I feel ignored and robbed. 
I am requesting that Chase Bank be forced to follow their own rules regarding post/ pending cutoff times and also return my {$100.00} dollars they took from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 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: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE Group is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. CBE Group did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. CBE Group is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.

Company response to consumer: Closed with explanation