vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2021 I " cashed out '' my cashapp balance to debit card which I had done plenty of times before without issues. This time the amount was {$3000.00} and it didn't instantly transfer like previous transactions. After a few days still nothing on my debit card so I called cash app and they provided me with the transaction and trace numbers which I gave to my debit cards customer service department and eventually on XX/XX/XXXX my debit card received the {$3000.00}. My debit card ended up returning the funds to cashapp for whatever reason on XX/XX/XXXX and I was told to wait 3-5 business days for the funds to show on my cashapp. I waited the 5 business days and when the funds didn't show I called my debit cards customer support number and they provided me with a transaction and trace number for the return. I've emailed cashapp repeatedly with this information and I haven't received any information on my funds or any type of help. I have asked the cashapp support team what to do next and how long I should wait and the response I get is ... 

" I have no further details to provide for this particular transaction, and no further action can be taken. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Various orders were completed and XXXX XXXX and XXXX platform no longer allow viewing of all past orders to confirm amounts charged to card and verify that amounts for items returned were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have contacted Source Receivable Management informing them that I know nothing about this alleged account yet they lie and insist that they have sent notices yet I have never received them. I have never dealt with this company or any company that they represent. Even after I informed them that I knew nothing about this account they have failed to supply any proof bearing my signature of this alleged debt. So Source Management you have failed to supply the proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. A billing statement is not proof. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument BEARING my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine AND REMOVE FROM MY CREDIT FILE AND SEND BACK TO THE CREDITOR. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Texas? 


5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument BEARING MY SIGNAATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We requested a payoff demand on XX/XX/15. We were told it would be a 4 business day turnaround. Its a week later and we still have not gotten it. We called and they basically said it would take as long as they wanted and they didn't care who was waiting for it. PHH is holding up being able to close this transaction due to their refusal to provide a payoff demand in a timely manner!!!! This is NOT acceptable!!!!!!!!!!! -- -- -- When is the Federal government going to put a stop to this????

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last weekend, XXXX, my bank card was missing. I tried to log into my chase mobile app, but it was locked due to suspicious activity. I tried getting in contact with chase to see what was going on but I got no help and bad customer service from them. After a week of calling, someone mentioned that I was disputing past payments made XXXX rent, personal loan company that was completely paid, and many other charges. ) I mentioned that it wasnt me and thats why Ive been trying to get information on whats going on so I can fix the problem. I was directed to the fraud department ( after 8 times of talking to them ) in which they stopped the disputes that I was allegedly doing. The fraud department also mentioned that my checking/bank account was compromised and that I needed to immediately close it and as long as I have an ID card, I can open a new account. Im not sure how much was taken do to the fact that I can not get into the account to see what was done. Im getting constant phone calls ( probably the people who did this ) asking what my bank PIN is and to call chase to open the account. Im constantly calling chase to inform them Im getting calls and that all the disputes that were done werent made by me. My account was completely hacked and compromised, and Im just another victim to these criminals who enjoy taking peoples hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo offered me a forebearance at the beginning of the Covid shut down. I took it being my two jobs are in personal care and food/bar service which were hit the worst. I was told the deferred amount would be added to the back of the loan. After the 6 mo fbrn, a Wells Fargo representative contacted me and asked if i needed an extension. I accepted it, as my personal business was still covid closed, and the restaurant i work for was also closed. I was then contacted again by a Wells Fargo representative ( Wells Fargo came up as the caller ID on my phone ) and i was offered yet another 3 month forebearance extension. I took it still not knowing my financial situation. I will give you the XXXX Note version of what happened next. Apparently my loan is held by a private lender who only was offering an 6 month forebearance. So, that put me default, unbeknownst to me. How were the Wells Fargo employees not educated on what loans were or were not available for an extension? Why did they call ME, not the other way around when my lender was not offering a forebearance more than 6 months??? I now have to try for a loan modification. I was denied the first time, i appealed believing they didnt have my financials correct as i am largely cash based business. They denied my appeal and are offering me a short sale. I am in this predicament, SOLEY, because a Wells Fargo representative offered me an extension, TWICE, that was not actually available to me. If i had known the forebearance had ended, i would have scraped by and figured out a way to keep my mortgage current until i could open my business back up. Now they are denying me the opportunity to pay my mortgage WHICH I CAN AFFORD NOW AND PAY. I just can not come up with the {$43000.00} they want to make the loan current. I am back in business and i want to keep my house and pay my monthly payment. I love my home. What Wells Fargo has done and is doing to me is just not fair. I am probably not the only one and i hope some of the powers at be can step in and right this wrong for the hard working people just trying to make a living and pay their house payment. Thank you for taking the time to read my plight.

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 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX X I recently discovered that someone has used my name for a rental apartment and left a balnce of {$3700.00}. I was living at XXXX XXXX XXXX XXXX OH XXXX. THIS IS A FRAUDULENT ACCOUNT. I have contacted the XXXX Police and filed a Police report and file a FTC ID theft report as well. I am trying hard to protect the integrity of my credit profile. This is holding me up as I was looking to buy a home this month until we discovered this fraudulent account.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is in response to previous complaint XXXX, against inability to open Ally bank account. The company has argued that they are using a different model, where the company model generated a score of XXXX, however check system score XXXX. They have denied my account, because of low score of XXXX. But there is a huge difference between the two scores and clearly one of the model is wrong or faulty. There is no negative information of my check system report and Ally bank score of XXXX is presumably flawed.

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 2021-04-23 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: CA

Complaint narrative:
The letters, statements and notices werent straightforward about the status of my loan or its recent activity. The automated phone prompts and voice response system also gave me a hard time when I called in to receive clarification on the status of my loan. I had updated my automatic payments based on all information provided on the website and forgot that I had when I started receiving letters from them informing me that they had returned my checks. I was no longer in a rush to check why I was continuing to receive notice about the checks being returned because I assumed that updating the automatic payment information to meet the deadlines established on the website without logging on was valid and sufficient to keep my account in good standing. My account is in good standing but I could not tell unless I called the customer service center. I think that may bank may have continued sending checks without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
In XX/XX/2018 I wrote correspondence to XXXX XXXX XXXX XXXX XXXX XXXX regarding an account under ARS Account Resolution for {$190.00} showing on my credit report. I disputed that this account was not mine and that I carried medical insurance during XX/XX/2018 I request iim proof of any debt owed and i never received a response. This remains on my credit report and is not legit. Please help me get this debt removed or proof of the account mailed to me. If you need anything from me, please call me ( 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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan has stolen my identity and repeatedly pulls my credit without my permission Tower Loan has damaged my credit Tower Loan has damaged my family Tower Loan has racially profiled me as African American Tower Loan has violated my civil rights Tower Loan has stolen my identity Tower Loan has used my identity without my permission over and over again Tower Loan is breaking the law. Tower Loan must stop using my credit or I will go to the XXXX police department and press charges against management. I have already spoke with a detective at the XXXX Police Department.

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 2021-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax consistently fails to update my credit card balances in a timely fashion in comparison to XXXX and XXXX therefore always the lowest score is the Equifax not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have unauthorized ATM debit which Chime Bank refused to give me back my funds in the amount of XXXX and XXXX. 
Also they indicate there was no error but give me a new debit card to use. These transactions were taken between XX/XX/2021. XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ive had an account with XXXX XXXX for quite a while & recently had a 100 % legally authorized PPP loan, in my name ( not business name ) deposited into the account for my sole proprietorship. Prior to the deposit, there were personal funds in the account totaling over $ XXXX, which I can account for with whatever documents needed, if any, just as I can for the XXXX loan & my sole proprietorship. I was told XXXX XXXX no longer wanted to do business with me and was canceling all of my accounts, due to the PPP loan deposit. I also was told, I could not use or withdraw any prior funds that were in the account, while the investigation takes place concerning the loan, which is a huge problem for me. I am now stuck trying to understand why am I being denied access to money I worked for, due to one specific transaction first off. Then second, how can a 100 % legit PPP loan cause my life to be turned upside down? I have bills, kids, a family to provide for, a business, & most importantly a sick mother & father for whom I take care of. Being denied access to my original funds is a disgrace. This incident was totally unexpected, which mean I have little to no cash on hand. Ive been calling & repeatedly visiting local branches, as well but no one can give me any concrete information. This is a huge inconvenience & very disturbing that Im being treated as if im wrong for applying for assistance and having it placed into my trusted account. I have a proven track record with the institution, this isnt a new relationship. Ive been with them for years, even have several credit cards & a car financed by my husband with them, but being treated as Im a criminal. Im 100 % legal and in no shape, form, or fashion trying to scam anyone. I just would like this matter resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed my three accounts because I am XXXX during the pandemic. Care Credit Account XXXX, Synchrony Home XXXX, and XXXX XXXX XXXX. This bank 's discrimination has ruined my credit. Synchrony decreased my Synchrony Home limit when I was recovery with Covid 19. I have been a Synchrony card holder since XX/XX/2019. Never missed a payment. I used my accounts.

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 2021-04-23 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: NY

Complaint narrative:
THE DISPUTED ITEMS ARE ATTACHED, PLEASE INVESTIGATE EACH MATTER AND DELETE OFF MY CREDIT FILE.

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 2021-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
See attachment sent from Navy Federal Credit Union escrow overpaid go reflect taking advantage have a medically retired Federal servant total 21 years 8 months include military services active and XXXX 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 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ITEMS ARE ALREADY ATTACHED, PLEASE INVESTIGATE THIS MATTER AND DELETE OFF MY CREDIT FILE.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX CITGO closed the account and cancelled the auto payment feature. I have not missed any payments except for the XXXX payment and that is because CITGO closed the account without my permission. I want any late fees waived and the account re-opened.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried to pay a bill and it kept getting declined long story short my account is under review with Citibank and now they cant service me At all even at a branch. They told me I cant take money out of my saving and checking account. I have bills to pay my daughter to feed tomorrow is Friday her grocery is due tomorrow her tuition and I have no money to pay because my last penny is in that account. Customer service couldnt help me they keep saying 24-48 hours and nothing they literally have my life on their hands and its horrible I need to continue with my life I need to feed my daughter

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase and removed myself as an authorized user, they told me they removed me yet it still is reflecting on my credit report. 

The primary account holder is responsible and because THEY are late, its reflecting negatively on my credit and ruining my personal credit when I am not responsible for that debt This is in my XXXX  report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I previously reported the problem of United Bank XXXX XXXX XXXX, VA opening a savings account in my name without my permission, and when I told them not to. That complaint was XXXX. You closed this ticket without taking legal action against them. I want legal action taken against United Bank, and any funds misappropriated returned to me.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: WA

Complaint narrative:
They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation