vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have contacted TD Bank about a fraudulent credit card ending in XXXX. I have tried to resolve this matter with TD Bank and still there is no resolution. When I call the customer service, I am speaking with a different customer service representative every single time. I sent in a police report to the credit bureaus regarding this account. T.D bank is electronically verifying this account stating that it belongs to me because they are attaching it to my date of birth and social security number. I asked for written documentation about this account and I have still have not received the information. I asked for application, account information and details and this still has not been sent to me. This account is fraud and T.D Bank needs to remove this account from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Sapphire Credit Card and received an adverse action letter date XX/XX/XXXX. I also applied for the Chase business card back in XX/XX/XXXX. First, I sent a letter in regards to the adverse action and received no response. I then called Chase today, XX/XX/XXXX, and spoke with XXXX and XXXX. XXXX is the Supervisor for Customer Relations. I asked XXXX to let me know what laws and procedures were followed in order to come to the determination of my application and XXXX didn't know so she stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for her to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. She stated that she can review the application based on the credit report in 30 days or she can transfer me to escalations so I was then transferred to XXXX. I then asked XXXX all of the same questions that I asked XXXX. XXXX stated that they follow all laws and regulations but could not provide me with the specifics. He then said Chase has the right to approve or deny any application. I told him that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told him that I can't be discriminated against for exercising my rights. He said again Chase has the right to do so. XXXX was acting as an authorized rep for Chase and He, along with Chase are now held liable for discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a wire transfer from XXXX XXXX XXXX XXXX XXXX ) to an account at JP Morgan Chase ( Chase Bank ) on XX/XX/2022. The account and recipient information was verified. The account holder is someone that I know that lives out of state. After the funds were transferred out of my account the beneficiary never received the money. Somewhere along the line there was an issue with the account number. JPM either held the money or put it into an incorrect account. This would be something that they should have resolved within 24 hours and returned the funds to me since the account that they put it in and the beneficiary information did not match wherever the money ended up. 

I have filed numerous amendments and countless recalls. XXXX has not received any XXXX message traffic from Chase in weeks. The beneficiary has made numerous inquiries with Chase. They have told him that that the money should be returned within 2 to 3 business days. That was over a week ago and they have still not updated XXXX  via XXXX. They told him on Friday when he called that there is nothing more that they can give him and that I need to continue to escalate the recall with XXXX, something that I have done since this whole process has started. Apparently there is nothing more that I can do according to XXXX  They are unable or unwilling to make direct contact with Chase in order to obtain a status update. 

I am now without my money for a month and have nothing to show for it and I'm trapped between two banks that are each blaming the other for the lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My credit card with Barclaycard had fraudulent activity on XX/XX/XXXX. At that time I took the steps necessary and notified Barclaycard. In the meantime I returned merchandise to the following vendors : {$190.00} to XXXX XXXX, {$330.00} to XXXX, and {$130.00} to XXXX on XX/XX/XXXX. On XX/XX/XXXX I returned merchandise to XXXX XXXX {$52.00} and XXXX for {$310.00}, {$32.00}, {$48.00}, and {$12.00}. I received a new credit card to replace the one with the fraudulent activity. In the past when this occurred transactions between the accounts was seamless. I have called/chatted with Barclaycard on the following dates and there has been no resolution : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX for 5hese credit amounts to be posted to my account. Their solution is to dispute the original transactions, however, one of the items purchased was on XX/XX/XXXX but the item was returned XX/XX/XXXX. They will not resolve this transaction because it was purchased more than 60 days ago but the transaction I am inquiring about is XX/XX/XXXX. I believe this is a Barclaycard issue and was told their credit policy changed and I needed to wait 7-10 business days to see these credits on my account by one their representatives.None of the credits have been posted. I have hardcopy receipts for all of the returned items. I am frustrated with their response to my inquiries.

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 2022-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NY

Complaint narrative:
I was enrolled as a XXXX at XXXX XXXXXXXX XXXX XXXX XXXX beginning in Fall of XXXX through Fall XXXX when I officially withdrew with a leave of absence. When I withdrew I did so within the window that allowed my student loans to be return to lender. ( {$2500.00} XXXX Stafford Unsub & XXXX XXXX Stafford Sub ) For whatever reason this info was not adjusted correctly and it was shown that these 2 loans were dispersed. But they had been cancelled and returned. 
After many years of the incorrect information being provided to me without the ability to view accurate information. I began payment of the loans, based upon the false belief that once loan was satisfied, I would be able to have access to the details of the loan. 
Basically loans were cancelled, but I was unable to verify that until recently. 
I reached out to the loan servicer, which is Navient and was met first with a representative that was as shocked and confused as I was regarding the inaccuracy status history of my loans. I was told a case would be opened to look into the loans and a promissory note would be obtained to establish an idea of what had happened. I was told resolution would be within a two week time frame. 
When I received no update I reached out to Navient again for clarification of the validity of the actual loans, I was met with a hostile representative that talked in circles and offered no assistance. 
When I look on the studentaid.gov The loans I have been paying on for the past 25 years states that the loans were disbursed but returned and cancelled. 
I have been accruing interest as well as late fees on these loans that are not even valid. I also have been paying them for the past several years and I am so annoyed that I can not get clarification or help regarding this. Attached are statements that show the loans were cancelled. The only valid loan was FFELP Stafford Sub Loan XXXX. 
I really need help figuring this all out. Navient will not help me with this and refuses to acknowledge that the loans were cancelled and have not require any payment. 
If any additional information is required, please let me know and I will forward whatever info is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Date Updated : XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
A debt collector named WILLIAM RUSH & ASSOCIATES has been in contact about an alleged debt. There is no contract between XXXX XXXX and WILLIAM RUSH & ASSOCIATES. There has been no proof as to why I am being contacted. WILLIAM RUSH & ASSOCIATES has only shown me an alleged contract from another company and no where on this paper is WILLIAM RUSH & ASSOCIATES listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from WILLIAM RUSH & ASSOCIATES. I have also given notice to XXXX about this identity theft. I submitted my identity theft report to XXXX with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done.

I demand a debt validation as it pertains to the FCRA from WILLIAM RUSH & ASSOCIATES, with a wet ink signature. If this can not be I demand the removal of WILLIAM RUSH & ASSOCIATES from my credit report. 

I demand XXXX to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I was in a forbearance plan XXXX while continuing to make payments. XXXX was not crediting my account for my payments. XXXX then moved forward to place me in a modification that escalated from {$130000.00} to XXXX costing an additional {$10000.00} and increasing my monthly loan payment an additional {$1000.00}. I have reached out to XXXX for explanation for the increase without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PR

Complaint narrative:
Since XX/XX/2022 Binance.US is holding my digital currency assets ( currently valued over {$41000.00} ) without my consent and not allowing me to freely trade and transfer anything even though I have have complied with all of their requests for account verification and accurately provided all the required documentation. They have been making questionable excuses about their work being backed up and delaying but have still not resolved the problem and continue to hold my funds without my authorization after several weeks. I have sent several emails and had conversations with their application support chat team to follow up and they have still not allowed me full access to my assets. I need them to return all of my belongings immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We had a barn fire that resulted in a total loss of our barn. XXXX XXXX issued the check to replace our barn to the mortgage come Freedom Mortgage of $ XXXX. Freedom Mortgage released XXXX of that and is holding the rest XXXX. We have had to take out a personnel loan to just cover the labor costs and now are being put in a situation where we will have to get another loan to pay concrete and electrical due to the mortgage company holding funds that are not rightfully theirs to with hold. This was an outbuilding that burnt down and had zero impact on our appraisal at no time should a mortgage company with hold funds that require home owners to get personal loans on to rebuild when the insurance company has provided them. We have provided estimates and they sent a third party with a camera to take photos so they could determine how much of the barn is completed? What if we had not decided to rebuild? This is unlawful I could understand had it been our home but still to put out families to get loans on their own to rebuild is ridiculous and should not have to be the norm for anyone.

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 2022-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Turning Point Solutions LLC
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX EST. XXXX XXXX called me and said that they have my Social Security number and read it back to me. Then read my Drivers Liecense number back to me. 
Told me I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX which I told them I never took out that loan. They told me I did and they have proof from a bank I do not have an account with that was not even a bank in XXXX ( XXXX bank sold out to XXXX and XXXX in XXXX ). Then said I worked XXXX XXXX XXXX winery which I have not worked there since XXXX. 
I told them that I filed this as a identity problem with another collection agency. They hung up on me and said they will file a lawsuit. 
I called back and asked for an address and was hung up on after being told they are in XXXX Georgia. 

XXXX XXXX loans is supposed to be the original debt that I do not have any clue of and XXXX XXXX is harassing 's me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Reported : XX/XX/XXXX Collection Agency SUNRISE CREDIT SERVICES , INC XXXX 
Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXXE Account XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Account Number XXXX XXXX Original Amount Owed {$420.00} XXXX XXXX XXXX XXXX XXXX  Amount {$420.00} XXXX  Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status UNPAID Comments Contact SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX, NY 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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 I attempted to purchase Gasoline with XXXX Bank of America XXXX XXXX XXXX card. The card was denied. I called a Bank of America XXXX XXXX XXXX on the phone. They indicated that Bank of America was not denying the charges and it was on the consumer end that my card was being denied. I purchased gas at XXXX XXXX XXXX XXXX at XXXX gas station on the same night for approximately $ XXXX. On XX/XX/XXXX, I attempted to make a purchase of approximately $ XXXX at a service station. The card was denied. The clerk tried the card XXXX times. This was after Bank of America assured me that they were not denying the charges. I've attempted for XXXX days to get through to the customer service department to clear the issue. I also used the chat feature which is absolutely no help. The customer service is atrocious and abysmal and the wait times are forever to speak with someone.

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 2022-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
On XX/XX/XXXX I made a {$12000.00} payment towards my student loans on edfinanical. Since then I have been making a monthly payment of {$520.00} on the XXXX of every month. On XX/XX/XXXX I made the {$520.00} payment and my account looked as it should. On XX/XX/XXXX I logged in to my account and found that {$500.00} dollars had been added to my debt. I had not taken out any additional loans and no interest was applied. With some investigation I found that {$500.00} was missing from the XX/XX/XXXX {$12000.00} payment. It says I paid the full {$12000.00} but only {$11000.00} was applied to principal and none was applied to fees or interest. After my XX/XX/XXXX payment I had a remaining balance of {$1000.00} left to pay back. I had also paid off all of my XXXX XXXX loans and the only remaining group was XXXX XXXX.

Company response to consumer: Closed with explanation