vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- Chase Ink Business Credit Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name :XX/XX/XXXX XX/XX/XXXXBusiness Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from Chase for Business for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill. 
Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies (XX/XX/XXXX & XX/XX/XXXXas these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to JPMCB CARD, Spoken to Card Services Members & Credit Dept XXXX XXXX requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days XXXX This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( XX/XX/XXXX & XX/XX/XXXX ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have banked with JP Morgan Chase for over ten years. I have a business checking account, a personal checking account, credit cards and a mortgage with them. On XX/XX/2021, the Biden Administration announced that small businesses and sole proprietors can apply for a PPP loan which is an SBA program, Chase being a lender that facilitates it, and that the period ending XX/XX/XXXX would be a priority window for small businesses, and after this date all qualified entities could apply. On XX/XX/XXXX, the Biden administration announced that for sole proprietors, loan amounts would be based on gross income instead of net income. 

I reviewed the Chase application on XX/XX/XXXX and noticed that the application was not changed to reflect the above change. I called the Chase PPP department and I was told by XXXX who would not give me his Chase employer ID that I should indicate in the field, average monthly payroll the income on line 7 of my schedule C which is gross income for a sole proprietor and that would be the correct procedure. 
On Sunday, XX/XX/2021 I completed the PPP application on the Chase website and sent it in. I received an email from Chase indicating my application was received. On Wednesday, XX/XX/XXXX, I received an email from Chase indicating they were unable to verify my average monthly payroll costs. I immediately called Chase to explain to them that I was a sole proprietor, and therefore have no payroll, and referred to my conversation with XXXX. 
After a long wait, Chase told me they are not doing any sole proprietor PPP loans. Isnt this a kick in the gut after indicating on their website that sole proprietors are eligible to apply and also according to my conversation with XXXX from Chase confirming this. 
Now I have missed my priority window to apply for the PPP loan which ended on XX/XX/XXXX and have spent an entire day consulting with other banks to apply for the PPP loan and had to visit a bank to open a business checking account which is mandatory in order to apply for the PPP loan. But also after opening the business account I am required to wait at least 5 days to apply. I may miss the deadline. 

I charge Chase with discriminating against small business owners who are in dire need of aid as soon as possible and in so doing run roughshod over them, their attitude being, tough on you, what are you going to do about it. Their interest obviously is in doing large lucrative loan amounts for large entities, similar to the first PPP loans last year. 
I will also write to my congresspeople about this incident and consider legal action. This is not the first time that Chase has been using abusive practices. 
I do hope that the CFPB will address this egregious practice on the part of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BILL.COM, LLC
State: PA

Complaint narrative:
There are frequent withdrawals from my checking account from an entity called bill.com, using various prefixes before the company name, such as :XX/XX/XXXX, XXXX, XX/XX/XXXX. 

I have no idea what these charges are but they come frequently. I have tried, many times, to communicate with this company but they make it impossible to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a Target credit card within the last six months but never actually used it. My original limit was {$2000.00} and I noticed on my credit report that it was reduced to {$500.00} without notice. I was in the process of buying a home and concerned about my debt utilization so I called Target and requested that the card be canceled. The Target employee explained that it is common practice for Target to reduce credit limits to prevent fraud ( however the reduction of my credit limit could be avoided if I regularly made purchases ). Clearly this is an ploy to get consumers to use their Target card more often. The employee talked me out of canceling and assured me that my original limit would be reinstated. 

In the meanwhile the mortgage company re-ran my credit to secure me a better interest rate. Thankfully my interest rate decreased by 1.25 % because my score improved last month. 

I checked my score report today and found that they did not reinstate my original limit as promised and my credit score decreased by six points subsequently.

Had that happened two weeks ago I would not have secured a better interest rate and Target wouldve cost me thousands of dollars over the life of my mortgage. 

Reducing credit limits to entice people to utilize their Target credit card is deceptive practice at best. It can have a detrimental impact on ones credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF THE WEST
State: IL

Complaint narrative:
On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2019 a demand was sent to pay {$2500.00} after a nissan XXXX was taken at the end of a lease. This information is on my credit record and needs to be removed or my attorney has advised me he will file suit against Nissan Motor Acceptance Corporation. The funny thing is the nissan dealer who leased the auto has since sold me 2 more autos and assured me this would be taken care. This will be my last effort with Nissan before suit is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My score was XXXX noe its XXXX and I want to know why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My name is XXXX XXXX with PayPal registered email address XXXX My account was limited but the limitation was over and I got email from PayPal to withdraw my funds on XX/XX/2021, but when I want to withdraw my funds, it doesn't allow me, it says there is an issue with my account. 

But PayPal said I could withdraw my funds after the 180 days, but the 180 days is over and I can not withdraw my funds.

I have funds {$4500.00} in my PayPal.

I am very sad about this I have bills to pay.

I need PayPal to resolve every issue with my account so I can withdraw my funds as the 180 days is over. 

Again my email address associated with my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
They are reporting a medical bill to me and I have health insurance and I gave it to the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Amerihome Mortgage XXXX XXXX XXXX XXXX SC XXXX XXXX Company Headquarters XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Good Day, We have had our mortgage through Amerihome since XX/XX/2020. They paid our insurance premium in XXXX of 2020. We later received a letter saying that our home owners insurance wasn't paid. Our insurance company sent them proof that we had insurance as well as a copy of the check that Amerihome sent to our insurance company to pay for the home owners policy. We got another letter this week stating that since we currently do not have home owners insurance they have purchased it on our behalf. It is nearly three times what our current policy charges. Once again our insurance company reached out to Amerihome to prove that we already have insurance and that it was pain in full in XXXX. Our insurance company ( XXXX XXXX ) has kept records of all the correspondences with Amierihome as well as copy of the check they sent to pay for the policy. 
When I spoke with XXXX XXXX, they said this was the second time that day they had the same issue with Amerihome from another policy holder and that they have had the same thing happen with Amerihome quite frequently. It's my concern that they are issuing home owners insurance in a fraudulent manner. As well as taking money from their clients escrow account without permission. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend closed my account and I am unable to access my funds they wont give me any other info only that they will mail it in form of a check inacoupleweeks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
This is in response to CFPB case XXXX. 


You failed to answer my inquiry and instead sent me the same response as last time which is just a list of amounts you claim that I owe. The document I sent you is dated for XX/XX/2019 when I was IN the Emergency Room and shows that I was provided an uninsured discount. 

Please review the information above and send me my itemized information WITH the uninsured discount. Talk directly to the hospital if you need because you are absolutely trying to collect on money not owed. I will also be going through the FTC and XXXX to have this resolved as this is illegal. I can also deal with the hospital themselves and make arrangements through them to pay off the debt if you can not communicate with them to have this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Navient Solutions, LLC.
State: PR

Complaint narrative:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: ERC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My score was XXXX noe its XXXX and I want to know why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Hi, I am writing this email regarding a court case that was defaulted against me. I am a combat veteran who has been in 5 combat deployments and was blown up and shot. I suffered significant and life long disabilities. I have undergone over XXXX surgeries. I am honorably discharged and seek medical through the VA. 
In XX/XX/2017, I suffered a XXXX XXXX XXXX and lost all XXXX in my XXXX. I couldnt make the drive over an hour to XXXX  XXXX, VA. I called the VA to get approval to go to the emergency room at XXXX XXXX. I have the approval letter from the VA. After the approval letter, it says that the payment is agreed upon between the VA and XXXX XXXX . XXXX XXXX took partial payment for the doctor and rejected the payment for the emergency room. 
A couple years later, I received a summons from the California Business Bureau to go to court and they placed a lien on my house. After I was served I was told after contacting an attorney that I only had 30 days to dispute the case. I am on XXXX on low income and didnt have a way to hire an attorney to represent me. I then find out that the court made a judgement against me to pay the amount and the attorney. 
This is absolutely disgusting that business are doing this to XXXX veterans and I could only imagine how many veterans they are doing this to especially through injuries and approvals. 
If theres any assistance to help veterans or how to deal with this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I recently disputed a medical account with this company in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 4 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 4 months and never to be responded to.

Company response to consumer: Closed with explanation