vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a Chase Freedom XXXX XXXX card and have been a member since XXXX. On XX/XX/XXXX I made a payment online paying the entire balance of my credit card. Online it states that I made the payment on XX/XX/XXXX. On XXXX XXXX I went to use the card for a very small purchase and it was declined. I called Chase to ask why, when I had just paid off the balance of my card. They stated that because I made a large payment to my card that they had to do a background check on me before they released the funds to the account. Online it already showed that the balance on the card was XXXX. I had already received notice from the credit bureau that the XXXX dollar balance had already been reported and that my credit score increased as a result. XXXX XXXX XXXX had already drafted the funds from my bank account and sent the money to Chase. Additionally, I have made a payment to XXXX XXXX in a higher amount than the payment I made to Chase, and XXXX XXXX applied the payment the next day and gave access to the credit line so it is unacceptable and predatory business practice for Chase to delay. Several agents told me that I just had to wait until Chase completed their background check and that the credit line on the card would be available on XX/XX/XXXX. On XX/XX/XXXX the available credit still shows as XXXX so I called again. At this point, I was told that Chase was still processing the payment and that I should " check back from time to time sometime in the afternoon ''. This is unacceptable and predatory business practice and undue delay in access to my XXXX credit line with no proper explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I have disputed the amount of debt on my credit report of {$4000.00} about 6 times on numerous different occasions XX/XX/30 being the last time. This is not my debt. I have never had a credit line or phone bill with XXXX XXXX XXXX in my name. I have always had t mobile or been on my mothers plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022, I received a 1099-INT from The XXXX Bank XXXX reporting interest for an account that I did not open. I have never had an account with Chime or XXXX Bank. 
On XX/XX/2022, I called XXXX and was told that this was a Chime account and that they could not help me. I call Chime on XX/XX/2022 and was told that I need to send them an email about the fraud which I did on XX/XX/XXXX and XX/XX/2022 and have not received a response. 
I called IRS on XX/XX/2022 and have a filed an identity theft report with them. 
Apparently Chime/XXXX Bank allowed someone to open an account in my name with my social security number without verification of identity. I am having a difficult time trying to get either Chime or XXXX to allow me to speak with someone in fraud department to close this account and issue a corrected form 1099-INT reporting zero interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient took over my student loan from Salle Mae when Navient split from Salle Mae in XXXX. I was struggling to repay my student loans - we currently have two boys with learning XXXX in private school so they have access to the tools they need for education. I repeatedly tried to work with Navient to lower my student loan payments. I even would beg and plead with them over the phone that I would pay what I could every month - XXXX to XXXX dollars, but I always got the same response " we are sorry but we can not work with you. '' Every time they wanted me to file for a forbearance which I did multiple times, each time approved by Navient putting me further into debt. Each time my loan would come up to start for repayment I would explain my situation asking for smaller payments I could make and each time I was denied and would be told to file another forbearance. In XXXX Navient told me I would need to refinance in order to be able to continue with the forbearance process, not allowing me to pay what I could. It even got to the point where Navient customer service told me it would be better to miss payments because it could take up to 270 days before the loan would go into collection. I feel like I was totally taken advantage of. Navient steered me toward multiple forbearances instead of income-driven repayment plans while continued to struggle. I also believe that Navient was providing compensation that incentivizes its team to get borrowers off the phone as quickly as possible. I understand that there has been a settlement with Navient for private student loans, but they also deployed the same tactics here for my federal student loan. I am sure there are other borrowers out there in the same boat as me. How can a loan for an in-state University in XXXX cost over {$100000.00}? How can this happen to a student that at the time was XXXX XXXX XXXX in XXXX? I am pleading for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have a credit card with Lane Bryant through Comenity bank. 
I paid my bill off in full on XX/XX/XXXX. My payment wasnt due until XX/XX/XXXX. But on XX/XX/XXXX they charged me a {$2.00} finance charge. I know its just {$2.00} but if they are doing it to me then they are doing it to other people as well and that adds up. 

I tried talking to them about it but they keep repeating themselves saying : Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/XXXX, this finance charge is valid. 

Per this change : '' We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date, we will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. '' I PAID MY BALANCE IN FULL WELL BEFORE THE DUE DATE. Im attaching a screenshot of my transactions since a XXXX. You will see that I was a few days late in XXXX so I doubled my payment to cover the minimum due plus the late fee of {$35.00}. After that all my payments were made before or a couple weeks before the due dates. I have never had a credit card company charge me finance charges on a zero balance, so this doesnt make any sense to me how this could be valid. My payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union keeps changing my credit score by XXXX plus points on information that is not correct. I don't do any thing because it is an ongoing thing. I am tired of my scores dropping because the company can not keep its records straight. Why am I over XXXX with one company and in the low XXXX with Trans. I don't get it. They seem to do as they please. This affect my life. If it didn't I wouldn't care but it does. Do I believe this will make a difference, No. If I don't say anything, I have nothing to complain about, if nothing is done. These credit companies can not be allow to do as they please with peoples personal information. Tired of lies and misinformation about me in the public arena.

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 2022-01-25 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a target credit card on my credit. It was included in the bankruptcy from 2015. About XXXX months ago the company switched it from bankruptcy and made it look like its an active collection with XXXX lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him XXXX times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX  XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had an account with Suntrust and they closed my account XXXX XXXX i went to the branch to collect the rest of my funds out of the account and i was told that the account was officially closed and not payment would come out and nothing would be deposited into the account i paid all fees that i owed. Fast forward to XX/XX/2022 my payroll check got sent direct deposit to the closed account and instead of Suntrust bouncing it back to my employer they accepted the direct deposit i do not have access to this account i called customer service and i was told that its under investigation and they are holding my funds until the investigation is closed and they will send out a check however they dont know when they will be able to send out the check with my funds so they are holding on to my funds

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 2022-01-25 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: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I have a XXXX  credit card on my credit. It was included in the bankruptcy from 2015. About six months ago the company switched it from bankruptcy and made it look like its an active collection with 17 lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him three times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2022, I sent an international transfer of {$230.00} to a person in The XXXX I have been sending to for almost 5 years straight. Nothing changed on either end as far as bank accounts, names, etc. 

On XX/XX/2022, Moneygram notified me that the transaction was in progress. 

On XX/XX/2022, Moneygram notified me that the transaction had been sent I checked with the recipient on XX/XX/XXXX, and she had not received the money. I checked with her again on XX/XX/XXXX and she still had not received the money. I looked online in my Moneygram account and it said " Additional Info Needed '' which had never happened before. I checked my bank account and the money had been withdrawn on XX/XX/2022, and was being held by Moneygram. 

On XX/XX/2022, I called Moneygram. I spoke to XXXX CSRs that day. The first XXXX told me something was missing, and the last one told me it was a technical error. He said it was sent to IT for a resolution and to wait XXXX hours. And that he would escalate it. 

I waited XXXX hours and checked with the recipient. No money. On XX/XX/2022, I called Moneygram again. I was told, again, that it was a technical error and was in IT. And to wait another XXXX hours. I asked for a refund so I could re-send, and informed them that they were just holding my money, and they said no. 

I waited another XXXX hours. No change. On XX/XX/2022, I called Moneygram again. The first CSR insisted something was missing that needed validation. I explained that I have been told repeatedly it's a technical issue. She transferred me after saying she could not resolve the issue. The next CSR told me it was a technical issue in IT and to wait XXXX hours. I asked for a refund, and he said no. I asked for an XXXX on this getting fixed, and he said I would just have to wait XXXX hours and call back. I explained, again, the urgency of getting this money to the recipient. She is sick and needs to see a doctor. He just said sorry, and to wait XXXX hours, and he would escalate ( which had already been tried ). I asked again for a refund and he said sorry, they can not give me a refund. I told them they can not just hold my money indefinitely, and he said he agrees but he can not give me a refund. And I'll just have to call back in XXXX hours. 

As I told the CSR, I can not just have them continue to hold my money and tell me to call back every XXXX hours, and also refuse me a refund so I can re-send the money. I am at a loss as to how to either get my recipient her money, or get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
Equifax is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. XXXX is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: ReliaMax Holding Company
State: NY

Complaint narrative:
I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted XXXX XXXX XXXX company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to Reliamax. XXXX XXXX XXXX company contacted Reliamax and got my loan further reduced to {$27000.00}. Which is how much I paid Reliamax. I completed the payments in XXXX of 2020. And now they gave my account to XXXX XXXX collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to send money to a friend in the total of {$69.00}. PayPal led me to believe this person had an account when searching their email address and name by showing them as a user and publishing her photo. After they removed the money from my account I contacted the friend to ask if they received the funds. She informed me that she no longer has an account, does not have access to an account, and that PayPal was not allowing her to accept or decline the funds. After repeatedly contacting PayPal, they have informed me they will not return the funds and since the other individual cant accept the funds, PayPal will be keeping the funds for themselves. This practice seems not only misleading- they are showing individuals as having accounts and going so far to show their photos - when they in fact do not have a PayPal account, but also highly unethical. Additionally, their customer service and complaint process is difficult to find, hard to communicate with, and vague in their responses. To get full information about what is going on you are expected to complete ALL of the following : online forms, telephone calls, and physical mailing of forms to file a file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. Experian is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.

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 2022-01-25 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX Wells Fargo Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!

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 2022-01-25 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

TransUnion provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

XXXX denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and TransUnion accepted. 

When I call their support numbers to request mailed reports, both Transunion and XXXX mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free XXXX credit reports during the pandemic. 

XXXX has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus.

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a debit card from Chime today even though I did not open an account. The debit card wants me to activate the card in order to contact their customer service which I am not going to do given this appears to be fraud. 

The letter also has a bank account associated with it but that bank is in Delaware and I have never heard of the bank XXXX XXXX XXXX XXXX XXXX XXXX 

I have put a freeze on all of my credit reports but Chime should do more to protect people.

Company response to consumer: Closed with explanation