vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase credit card was used to purchase items from online retailer XXXX. The items were returned. 

XXXX fraudulently claimed : ( i ) certain items were not returned, and ( ii ) send one item back claiming it was damaged. 

In response, I provided Chase with : ( i ) shipping labels and tracking numbers confirming the returns were delivered to XXXX, and ( ii ) brought the item with purported damage to the manufacturer who provided confirmation in an affidavit the item had no damage. 

Chase declined to review the evidence and passed through the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
3 issues : - 1 ( extra mortgage payment inappropriately applied to interest despite instructions ) is resolved - 1 not resolved ( {$60.00} late fee charged for no apparent reason ) - 1 not sure if resolved ( underpayment of homeowners insurance policy ) First, my husband and I made an extra mortgage payment. We were/are current on our payments and our mortgage does not allow for prepayment penalties. We sent in a check to Newrez with instructions to apply it to principal - " principal only '' was also written on the memo line. Newrez deposited the check, but applied part of it to interest. They have resolved this issue. However, it took a SIGNIFICANT amount of time on our part to complain and get them to fix it because it is so hard to reach customer service. 

Second, I'm trying to resolve an issue where they charged us a {$60.00} late fee that I believe was in error, as all of our payments have been timely- but have not been able to get ahold of a person. The recommended way to reach customer service is via a Contact Us form on their website, which they respond to via mail or via a " secure message '' that requires creating an account on another platform called XXXX. I'm currently on the phone trying to reach a person, but the number listed online is for Sales so they can't answer questions about existing accounts. 

Third, Newrez also underpaid our most recent homeowners insurance policy by {$20.00} even though there were sufficient funds in our escrow account, which I'm still trying to resolve, and Newrez has been unresponsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, there were multiple fraudulent activities occurs on XXXX of my checking accounts. Someone did a telephone transferred of the amount of {$11000.00}. Due to identity theft, they were able to open a savings accounts in my name and transfer the {$11000.00} into that account. Then, the transactions were then moved back and forth into my checking accounts. Initially, I was told that the " back-end '' off will take a look at the case and will reach out to me if there's any further questions. I asked if I need to submit my supporting documents and the representative told me to just wait until they reach out. I didn't hear anything, but I received letters stating my accounts are closed. Then, I called Chase again, they informed me that the case is already closed and they will issue me a check if there's a balance. Before this incident, I know I had my own money in my account ( less than {$500.00} ). I was still waiting. In the beginning of XX/XX/XXXX, I received a call from the collections office stating I owe about {$420.00}. I told them that I am a victim of fraud and my accounts were closed with no balances because the " back'end office had said the situation has been resolved. The representative also stated that the check were already mailed in the amount of {$11000.00} to someone name XXXX XXXX and my check should be sent soon. She couldn't give me an amount, since it's being processed. The rep informed me that they don't have any supporting documents and I can re-fax it to XXXX with my claim # XXXX # XXXX. XX/XX/XXXX. I went to my local chase bank and XXXX XXXX XXXX faxed my paperwork and she told me it was sent, but she will not be able to provide confirmation to me and I would have to wait for someone to reach out. On XX/XX/XXXX, I called to check on the status. I was being transferred to multiple departments and not receiving an unclear answer. At XXXX, I spoke to a claims representative XXXX ( ID # XXXX ), she said couldn't help me and she will transfer me to another rep in the Claims Dept. She connected me to XXXX ( she didn't want to provide her id ). XXXX told me that the original fax number that I have is incorrect. The original fax number was for regular claims and not for Identity Theft claims. She provided me with fax # XXXX and also provided me with a mailing address. She told me to re-fax it, but sending in my documents will not have an affect because because the claim has already been closed and approved. She also said that I would have to speak to Collections to still set up a payment. I told her why would I need to do that, if I am a victim of fraud. Why would I have to pay it back? 
There's too many miscommunication within each chase department. I'm getting different number to reach out to and the " run-around ''. This is ridiculous, I've been a Chase customer for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
So I lost my car a XXXX it was totaled on an accident but I wasnt able to pay the rest after the insurance paid their part

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I sent my payment through XXXX, and it had posted to the incorrect account number. The customer service rep on XX/XX/XXXX asked me to send a copy of the XXXX, payment. I did that on that evening. They also said that someone would give me a call, or I could call back. I have been calling back every few days, waiting for this to be corrected, however, nothing has been done as of yet. I kept reminding everyone that we have a sell date of XXXX, and they kept saying that it is with upper management. Now here it is 2 days before my sell date, and nothing has been done. This company does nothing but lie to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XXXX XXXX I notice an alert on my XXXX account stating that I was denied for a loan/ line of credit. I reached out to the company about this concern they couldnt tell me anything and not to worry because the loan didnt get approved. I had to freeze my credit because that was a major concern to me. Ive never heard of the company or applied for any loan or line of credit. They stated they would mail me some information regarding the matter and they did not. I told the company Barclays Bank that it was indeed on my credit report. I reached out to XXXX twice about this situation and they told me I would need to reach out to XXXX about getting it removed 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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: SC

Complaint narrative:
My phone was stolen on XX/XX/22 and numerous of transactions was authorized I didn't have no clue until I got another phone and logged in my XXXX  card was attached to my cash app and someone sent over XXXX to various cash app cash app never took down the transactions for what I said to them or added my police report and other supporting documents I talk to a XXXX from cash app and she assured me the transactions was incorrect I have screen shots of them telling me my documents was added but never was they are rude and hung up on me numerous of times please help me out in this situation no one reached out to nobody in the error at all no investigation was done over loaded images of my police report and the different reasons they have lied about closing my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My name is XXXX XXXX. I received a letter form Wells Fargo that they are closing my account effective XX/XX/scrub>XX/XX/XXXX Aside from dealing with various XXXX illnesses and XXXX family deaths and numerous other personal issues, I have managed to pay all my bills and my loan in a timely fashion with Wells Fargo. I have banked with them well over 10 years, had numerous cards, loans, and have never defaulted. I have had several NSF fees, but my direct deposits gets credited and I always make my account whole. I spoke to multiple reps who have told me that the Wells Fargo does not need a reason to close my account, and that decision is final. I also have a loan with Wells Fargo that is nearly paid off, only about {$390.00} remaining. When the loan was initiated, it was set up for autopay with my current Wells Fargo account. I enrolled in autopay with my account to save on the rate. If they close my account, they are telling me that I have to come to the bank in person to pay the balance. I believe this would be a violation of the terms of my loan. They are choosing to close my account. I should not then be penalized to be forced to have to go to an in person branch to pay them. I find that highly unethical. I do not wish to close my account. I have numerous bills including my direct deposit that go into this financial institution. I have had a working relationship with them for over 10 years, and to arbitrarily close my account with no explanation whatsoever other than they have made a business decision. I think at bare minimum the account should remain open until the loan is paid off so that I can continue to my auto pay processed. I do not want to close it at all. My financial situation is improving and I wish to be given the opportunity given my long standing relationship to continue having my account open. 

Please reach out to them on behalf to see what can be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This letter a formal complaint about Ally credit is reporting inaccurate information on my credit report The inaccurate information was not fault mines but the Fault of XXXX XXXX XXXX XXXX XXXX. The bank was doing system updates, closing all old accounts. This system updates causes a system errors put ACH stop on the account that applied to my account and routing number due to closing of old accounts. The ACH stop remained on my account in error cause my credit payments to be late on behalf of Banking system error. I I had to wrote Ally Credit Company explaining what happen took place and also provide a letter from XXXX XXXX XXXX. Explaining to Ally this was a bank error. It was out of my control. I received a called from Ally Customer Service. I had to provide Ally with copy of credit report showing inaccurate information being report to all three credit bureaus. I also provide Ally with a letter from the Bank. I was in the process going to closing on my house when credit score drop by XXXX points. This bank error cause me not close on my house. I had worked so hard to establish good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2024, Square deactivated my business account without any previous notice and stated that " the decision is final '' in the email they sent me. They did not provide any information regarding why my account was deactivated. I then contacted Square customer support and they said they were unable to give me any information as to why my account was deactivated due to " security purposes ''. They took my entire account balance of {$530.00} and said that I will not have access to this money until XX/XX/2024, if I will have access to it at all. I have only had ONE transaction and JUST started my account with Square when they deactivated my account shortly after. 

Before this, I gave them all of my business information. My business is XXXX XXXX XXXX XXXX and we offer XXXX XXXX XXXX XXXX XXXX. I described my business activities to Square and provided invoices and bank statements supporting this. I also submitted my Driver 's License as proof of identity and ownership of my business. After all of this, they still deactivated my account and did not give any reason as to why they did. 

I am a small business owner who thought that Square payment processing would be helpful and easy to use for my company. I was not expecting to be targeted and scammed by Square itself without any notice or reasoning and to be unable to take any transactions or not be able to access the money that I have already earned. 

I have done research and saw that many other people have had the same experience with Square and them not doing anything to help or alleviate their mistakes. This is outrageous considering how large Square is as a company and how they can take advantage of small businesses using its platform like this. I will no longer be using Square and I will tell every other business owner that I know about my terrible experience with them to prevent this from happening again to others. Also, if I do not get the money that Square is withholding from me, I will get my lawyers involved and take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
3rd Attempt : This account XXXX XXXX XXXXOriginal creditor : XXXX XXXX  Account Number XXXX Original balance {$5500.00} was removed from my XXXX and XXXX Credit Report. TransUnion has refused and fail to remove this account from my Credit Report after I have provided proof of ID Theft and the other credit bureau removing this collection account from my credit report. All three credit bureaues ( XXXX, XXXX, & TransUnion ) should be reporting the same information. This is not 100 % accuracy and against the law to report inaccurate information on a consumer 's credit report. The actions of TransUnion, XXXX XXXX, and XXXX XXXX XXXX are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
In XXXX, we moved back to XXXX. During that time I was locked out of the app to make a payment and it got over looked between the holidays and the struggle of moving. As soon as I realized, in XXXX, I called Harley and caught up all late payments via the telephone. They are reporting the Harley as a repo, however it was never repoed and is now current on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System XXXX Date opened : XX/XX/year> Balance : $ {$1600.00} Account is not mine. It was removed and came back as open collection years later. The collection agency had no right to obtain my credit report and tarnishing my integrity. I have been in no communication with them and it's a violation of 15 USC 1861.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The card is paid in full on statement and they are reporting a balance incorrectly illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/2024 XX/XX/2024. 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.

Company response to consumer: Closed with explanation