vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from what looked like a Chase bank email asking me to restore access to my account. After opening that email fraudulent transactions to binance occurred for a total of {$700.00} dollars after trying to open a claim with chase 3 times they deny the claim and removed the provisional credit of {$700.00} and continue to tell me to take {$700.00} as a loss due to the fact that the transactions are being traced to my IP address on my phone. Ive spent more than 3 weeks trying to find answers for how I can get my money back and every person chase has made me speak with tells me something different. I am a XXXX XXXX I work hard for my money risking my life to save others this is completely unfair and chase doesnt care to understand there customer after almost 10 years of banking with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/27, AES began sending multiple emails in 1 day because the payment was late by 2 days. I've received 2 follow-up responses from Customer Relationship Analysts who I had repeatedly asked not to respond and that I only needed 1 email alerting me of the overdue amount. I'm being harassed by this company and am being treated unjustly, and my rights are being violated as a result. No agreement that says correspondence will occur because of delinquent payments is valid if it starts to encroach on breaking the law, which is exactly what this is doing. AES provokes these complaints. AES also records the conversations without my permission when I have told them on multiple occasions I do not consent to being recorded and that because Pennsylvania is a 2 party consent state, they are breaking the law. I'm going to have an attorney file a motion with the courts to subpoena all conversations that AES has kept on file where I have stated verbally that I do not wish to be recorded, yet they have defied that request and acknowledgement. AES is also unjustly delaying Student Loan Forgiveness for certain borrowers who meet the criteria in order to capitalize on interest charges to make a profit. This is a huge conflict of interest and is also considered fraud. The representatives who are tasked with responding to these complaints think they know what they are talking about, but they do not realize they are breaking the law or helping their Employer break the law. I intend to prove beyond the shadow of a doubt that all of this is occurring, and quite frankly, I will do what is in my power to have the company shut down or salaries reduced, or terminations made possible due to this overstepping of power. 

XXXX XXXX should also be investigated for money laundering. If issues occur in a company that seems to benefit the overall company as a whole, it is usually always because the leader is profiting from this process, unjustly and immorally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Around XX/XX/2021 Square Inc, closed my account due to a chargeback. My cash tag is XXXX XXXX. I had no affiliation with this chargeback and do not understand where that came from. However, with my account being closed I still had a remaining balanced left on my account. It totals to {$180.00}. I have tried to connect multiple debit cards and bank accounts and it keeps denying them. I have contacted them on multiple occasions only to be told to continue to try different methods. Nothing is working and I am still unable to gather my remaining funds left in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I have been trying to rectify this with XXXX and Experian, they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper processed my regular payment on line as usual. The 10 days later they debited by checking account XXXX times for the exact same payment. XXXX total. 
I am told it is being corrected and I will incur no fees. Who gives them the right to randomly debit my account without authorization. Do you have an extra XXXX in your account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I have been trying to rectify this with Transunion and XXXX they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed

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 2021-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NJ

Complaint narrative:
inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : 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 explanation
Consumer complaint received 2021-04-29 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: NJ

Complaint narrative:
inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : 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 explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for an Apple credit card ( which is through Goldman Sachs Bank USA XXXX to get 0 % apr on the purchase of a laptop. Despite my excellent credit score, I was declined due to a bank closing my account ( I paid off student loans ) and I contacted XXXX XXXX for an explanation, I filed a complaint with them on the XXXX and on the XXXX I was called and told that they do not manually review any applications so despite the fact that I have good credit they will not issue a card. I feel that this is a discriminatory application process. I should not be penalized for paying off student loans - I am being a responsible adult in doing so. Furthermore, I am not certain that there aren't other discriminatory lending practices going on. Someone like me is likely to pay off the credit card so that I in fact to get the 0 % apr. Individuals that do not will be subjected to interest and fees. For that reason, the bank will not make money off of me. I have an excellent record on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have been paying on my mortgage for a year and a half, only to find out that my payment I sent in early were not being applied to the balance forward but to principal. Loancare has now informed me I am ( 3 payments XXXX behind in my mortgage and incurring late fees and bad credit markings, that the balance payment will not be moved from principal ( 4 payments XXXX where they should have posted to bring the account current and ahead as it should have been posted in the first place. 
I have inquired about this since XXXX 2020, only to promise they will fix the error. This has not been done to date and now I have 24 Hrs to fix this issue or loose a standing offer to refinance at a lower rate. 

This is what I get for paying ahead and having excellent credit rating.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
I signed up with Freedom Debt Relief in spring 2019 because I had overwhelming debt and wanted to get it paid. I was directed to not make anymore payments towards my debts and that they could help me lower them to one monthly fee. I was also told that there would be no charges until my settlements were taken care of. The company took out a total of {$5700.00} from my account and often sent me notices that they had reached a settlement offer and I needed to approve the offers so I did. Almost every debt I have claims they were never contacted and during my time with Freedom Debt Relief I had two judgements placed on me. I took screenshots of all fees charged to me and at one point there was a settle fee in the amount of {$840.00} for Freedom Debt Relief. Only one account was handled by this company and that was for {$500.00}. I requested for my money to be returned to me and they refused stating the money is theirs for fees owed. I am now trying to dig my way out of the debt myself and was scammed out of all that money I could be using to take care of these debts they promised they would handle. Also, I was told in the beginning I was in a 2 year program and this would be handled by now. Nothing was done for me by them. Im in a worse position than I was when I was quick talked into signing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX XXXX account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX  credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery associates at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX - OPENED XX/XX/2021 {$480.00} THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 70 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I XXXX XXXX was under a forbearance under my mortgage company Carrington Mortgage from XXXX to XXXX. It was then auto renewed automaticity without me knowing. Although I continued to make payments the forbearance was still reported on credit report. I am trying to now close on a home and because of the second forbearance being reported I can not close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complain is about BB & T the new Truist. 

We did 2 wire transfers XX/XX/XXXX. Was told it is free at the branch. the receipt printed not showing any charge. The fee of {$140.00} showed up XX/XX/XXXX. Called BB & T customer service, was told it is free at beginning, then was told it is not free because commercial account. need to go back to branch to solve. Branch told it is charged because of it is not domestic wire transfer which is not true. 

Requested to get the {$140.00} back, but can not even escalated the case to Truist 's CEO XXXX XXXX. 

What Bank did wrong? 
XXXX ). Can not provide proper receipt when doing wire transfer. This is a one-time service, not an annual service. Bank should print the right receipt when service is done. 
XXXX XXXX. Bank employee was not trained properly. Bank employee should tell the correct information. 
XXXX ). Service and customer experience need to be improved a lot. Bank seems trapped customer to use their over priced service. if we were told the cost is XXXX  $ for 2 wire transfers. We definitely will not use the over-priced service. We will mail a check instead. 

Thanks 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 explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX XXXX and entered into a lease for a XXXX XXXX. After signing the contract, I realized that that the contract states that I received a physical copy of the agreement prior to signing and I was free to take it and review it. This do not occur. I was only shown a copy of the agreement on an iPad by the salesperson and it was only provided to me in printed form after I signed it. This is in violation of the Truth in Lending Act Regulation, 12 CFR 1026 Disclosures Provided on Credit Contracts Provision. Second, the contract states that I was to receive warranty papers regarding the XXXX XXXX - I never received this paperwork. Third, the early buyout option as well as the nominal fee at the end of the contract suggests that this transaction is a credit sale instead of a leasing contract. As such, this appears to be deceptive practices by the company. Further, unlike a true lease agreement, I am responsible for all caretaking for the pet with no responsibility to the company. Another indication that this is a credit sale disguised as a lease. Lastly, a disposition fee for the puppy is already calculated by the company and thus is seems unconscionable for the company to have a predetermined amount for disposing of the puppy. I met with a XXXX Attorney with XXXX XXXX XXXX, XXXX, Florida on XXXX XX/XX/XXXX regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? 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