vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received two letters dated XX/XX/2020 for two credit card accounts from " CHASE Card Services '' and " CHASE Cardmember Services ''. Subject : " Update : You have only used some of the available credit on your Freedom account '' The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account, we saw you spent far below your available credit limit in the last 12 months. Because or your limited usage, we're lowering your limit to {$13000.00} 30 days from the date of this letter. '' The credit limit as of XX/XX/2020 is {$26000.00}. This action would reduce my available credit to less than half the current amount. 
Subject : " Update : You have only used some of the available credit on your CHASE SLATE account ''. The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account we saw that your payments are low compared to your balance, and you spent far below your available credit limit. As a result, we're lowering your limit to {$7200.00} 30 days fro the date of this letter. '' The credit limit as of XX/XX/2020 is {$14000.00}. This action would reduce my available credit to less than half the current amount. 
These actions would destroy my credit score which is currently at a range of XXXX ( XXXX  ) to XXXX ( XXXX  ) as of XX/XX/2020. This action would have a negative effect on all of my credit accounts and my credit score. 
Chase Bank set these credit limits, not me. I am being penalized for being a responsible customer. This is not fair, and should be illegal under the " Equal Credit Opportunity Act ''. I have 3 credit cards with Chase, one of which I requested. The other two accounts were with other banks which Chase bought and issued their credit cards. I have been a loyal and responsible customer of Chase for many years and this action is despicable. I would close these accounts but that would only do more harm to my credit score. I am being discriminated against for being a responsible credit customer. Chase has become a loan sharking company, if they can not collect late payment and sky high interest they destroy our credit rating. 
Please make the multi-billion dollar corporations subject to the law. American consumers are powerless to protect our hard earned credit worthiness under this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 - Late 90 days remark. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I requested a loan. I didnt know that the Loan was illegal in the state of California and the amount of interest charged was that high either. I continued to make payments because I did not want the negative report on my credit so I just let the withdrawals Happen and I have overpayed the principal amount borrowed yet somehow I owe {$800.00}. When my original loan was $ XXXX When the covid pandemic shutdown happened I stopped Payments to avoid overdrafting as I had no income I sent an email letting know I couldnt pay. My balance at that time was {$660.00} but somehow since XX/XX/2019 I was making {$120.00} plus payments every two weeks. Even though the amounts they are charging are illegal I tried to settle the account to avoid negative marks on my report and they refused. The want a full {$500.00} dollars payment to settle

Company response to consumer: Untimely response
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
I have proof I paid off my debt. As you can see I made payments arrangements with coned. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
Date of problem : XX/XX/2019 Total amount in dispute : {$3500.00} Company in dispute : Square ( Cash App ) Problem : I had my income tax deposited to my cash app and after a few totally legal transactions, my cash app wouldn't allow me to withdraw, add, and receive money. A year later, and my money is still stuck on my cash app. I'm a single mother with XXXX kids, I tried everything. I tried contacting them, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my online account broken into and someone tried to deposit checks in my account and my ssn was reported back to check systems for a matter that wasnt my fault

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The account is under the name XXXX XXXX for XXXX XXXX. I have never used that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Automatic Data Processing, Inc.
State: WI

Complaint narrative:
I have had my ADP/XXXX  Payroll Debit Card since XX/XX/XXXX. This past Saturday, XX/XX/XXXX, I attempt to use my card for services rendered at my vets office only to be told it didnt work. I knew I had an available balance of XXXX. I went to the local ATM to withdraw the cash to return to pay my bill to be told by the ATM, my card had been deactivated! With 21 million people out of work, 21 million people plus struggling to get by, XXXX/ADP/XXXX  puts a hold on my card aka MY MONEY, aka MY PAYROLL Direct Deposit Card until I prove to them I am who I say I am after nearly 2 years of transactions. When I called Monday XX/XX/XXXX, to find out what the problem was and I was told to submit umteen pieces of identification so they could be sure I was the owner of the card. Oh and by the way, this process will take 1-6 days according to them. In the meantime I HAVE NO MONEY! This Friday is payday again! another direct deposit and I HAVE NO MONEY and NO ACTIVE CARD. I have XXXX small children to feed, this company has NO right to just step in an deactivate my account - If my card had been stolen, or misused, I would have been the first to call. I am adult enough to figure that out! MOREOVER, I have an OFF/ON button in my app enabling me to turn my card off from being used if I need to. They have NO business arbitrarily doing what they did as a result! This action is simply egregious - Holding MY ONLY INCOME, then expecting me to upload serious documents over the internet that shouldnt be uploaded to ANYONE, so they can then spend the next week determining if it is in fact ME, the owner! This is inexcusable! I want my card reactivated IMMEDIATELY - Release MY money - I have bills to pay! I have children to feed! This company has some nerve pulling this given the state of this economy and nation! I will take this as far as I have to. This has simply gone too far. I WANT MY CARD REACTIVATED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: CA

Complaint narrative:
I have sent a ID Theft letter and police report several times to this debt collector/auto/lease credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The auto lease was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the loan/lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been affected financially by the Coronavirus pandemic in terms of my employment. My hours have been reduced to part-time. I have called Capital One numerous times with one time being on XX/XX/2020 at XXXX to discuss my options and to request to have the late fees applied to my account for the year 2020 reversed. Capital One has applied late fees to my account every month even after I made a payment. But because the payment I made did not cover the minimum amount due, I was assessed a late fee of {$38.00}. I have contacted Capital One several times requesting financial assistance and I keep getting the same response as below. 

I was transferred to a supervisor after the first Customer Service Representative was unable to help me. 

Once I was connected to a supervisor, I explained my financial hardship situation and asked to have the late fees reversed. The supervisor advised me that Capital One could not reverse any late fees on my account because one was already reversed for the month of XXXX and the decision to deny my request could not be overridden because the decision is a " System Generated '' decision.

I asked if I could be transferred to the Customer Retention Department and the supervisor told me that Capital One does not have a Customer Retention Department and that I was speaking with a representative in the highest department that can make account changes. 

I asked for the name and email address of the Chief Executive Officer for Capital One and the supervisor told me she could not give me that information and suggested I go online to dispute any charges on my account and that I could find information for the CEO of Capital One online. 

After disconnecting the call, I logged onto my account online and clicked on the " Learn More '' jumplink for " Help during the COVID-19 virus situation. However, the only " Help '' options displayed were help making a payment or activating a credit card/account. 

I have spent countless hours trying to find options for disputing charges and fees applied to my account, and the only online assistance provided is for Making Payments, Activating Credit Cards/Accounts, or to Call Customer Service which has gotten me nowhere! 

I have printed and prepared a form for disputing charges applied to my account and will mail it, however, I am not optimistic that I will receive a response in a timely manner or if ever! I would like to know my legal rights in a situation like this where a financial institution refuses to provide assistance as advertised and what my options are for receiving REAL financial assistance due to my financial hardship due to the virus pandemic. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I can't remember specifics. I just want to make CFPB aware of predatory practices by BoA. Their autopay system does not take into account any payments made prior to statement balance autopay date, and debits your bank account the last statement balance regardless of current balance. Furthermore, there is no option to autopay current balance. This is clearly being done to prey on those not savvy enough to catch on. I'm hoping for their tactics to end, and for their customers to be treated fairly. I've never dealt with a credit card company with such a glaring defect in their autopay system.

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have sent a ID Theft letter and police report several times to this credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The credit card was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

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 2020-06-23 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Problem with personal statement of dispute
Company: LoanCare, LLC
State: CA

Complaint narrative:
We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted XXXX  many times and no resolve.

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 2020-06-23 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: DISCOVER BANK
State: CA

Complaint narrative:
Whenever I go to Discover website, there are always crashes, service unavailable etc .... 
And after I come back to pay, Discover moves my payment date to the next day to collect fees on the payments. When I try to reach out to Discover to help, it is always unavailable. I try message - messages can not be sent. What kind of service is this? Are you doing it on purpose Discover, to collect fees??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I received a notice from XXXX  saying I had a new inquiry on my credit report, I saw it was from CITIBANK. 

I have NEVER applied for a CITIBANK card! They closed one of my accounts 10 years ago and I refused to do business with them since and DID NOT AUTHORIZE THIS INQUIRY! 

I am currently in the middle of buying a home and this XXXX  up the entire process!

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 2020-06-23 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: Ocwen Financial Corporation
State: WA

Complaint narrative:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have paid XXXX, XXXX, XXXX and XX/XX/2020 on the date the money was due, and Discover refuses to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted Experian many times and no resolve.

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 2020-06-23 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: TX

Complaint narrative:
XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.

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 2020-06-23 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: TX

Complaint narrative:
XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.

Company response to consumer: Closed with explanation