vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I spoke with Navient three week ago l had received a letter stating l needed to make payments. I Express that l had received statement that we did not have to make payments during the Corono Virus Pandimic. Lady then stated she wanted to send me some papers to sign so l would not have to pay my loan for one year, l would have to sign these papers every year. As long as l was on Social Security and l did not get enough to pay my loan. I sign the papers Navient sends me, a letter today with three different amounts. XXXX, another XXXX, another XXXX. This is incorrect, inaccurate, and misleading. Several years ago l made my student loan payments. Navient continued to add interest while l made payments. 
The lady l spoke with stated she was sending me papers to sign so that l would not have to make payments for one year. She lied to me. I sign the papers then l receive these papers with these amounts. I am contacting The U. S. Consumer Financial Protection Bureau,. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian allowed a collection to stay on my report that is not mine. I asked them to remove and they did not. Another reporting agency did remove the account. There is no supporting documentation proving that the debt is mine other than a claim by the creditor. The amount of the disputed account is {$600.00} + dollars. And is one of only two derogatory marks on my report.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
SHORT SUMMARY : I received a wire in payment for XXXX and I sent the XXXX. After that, the sending bank claimed fraud, and my bank illegally deducted the funds from my account and send them back to the sending bank, so I've lost {$36000.00}. According to UCC 4A-211, it was not legal for my bank to seize these funds, because wire transfers are final. 

DETAILS : My business is a registered with XXXX as a XXXX XXXX XXXX. I buy and sell XXXX. On XX/XX/20 I was contacted by a customer identifying herself as XXXX XXXX, asking to purchase XXXX. Because I hadn't done business with her before, I followed my XXXX  protocol by asking for photo identification, and I received a picture of Ms. XXXX 's driver 's license and a picture of her holding it. I advised her that the name on the wire from her bank had to match the name on the ID, she said it would, and it did. On XXXX XXXX my bank ( Chase ) advised me that the sender 's bank ( XXXX  ) had notified Chase that the wire was fraudulent, and was freezing my account. I advised Chase that the wire could not legally be recalled without my consent, and that I emphatically did NOT consent. Chase deducted the wire funds from my account anyway, on XX/XX/20, over my objections. 

I contacted XXXX who told me that the customer " might have been socially engineered '' and that the FBI is involved, but would provide no further information. I attempted to contact the customer but she has not returned any of my messages.

The wire was authorized because either the customer specifically authorized it, or else she gave someone access to her account, which legal precedent says constitutes authorization. 

Ally had a responsibility to vet the transaction with its customer but apparently failed to do so. Chase had a responsibility to not return the wired funds without my authorization but also failed in that regard. I humbly request that CFPB exercise its oversight authority to hold Chase accountable for its illegal action and to return my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 at around XXXX XXXX  transactions started to come out of the account as my husband was holding the phone on his hands. These transactions kept coming in until about XXXX XXXX. As the money was being pulled out of the account and sent to multiple people my husband and I kept pressing cancel transaction and issue a refund. we quickly reported the cashapp card stolen though we have the physical cards with us to prevent further transactions. I call the police immediately and filed a police report and submitted disputes for those transactions to cashapp. Cashapp replied by stating that we had to contact my bank and XXXX since {$530.00} were sent to XXXX to a card ending on XXXX. I had {$1300.00} in the account to complete my mortgage payment of {$1300.00}. However, my mortgage company never saw the money. I was taken right before our eyes. I contacted cashapp and they did not look into these suspicious transactions since they are saying that the transactions look like they were sent from my account. However, as these accounts were happening someone had XXXX my cash pin. Normally when you have a transaction and you want to send money or add money to your cash app account you have to have a cash pin otherwise the transaction will be cancelled. That did not happen at all. At this point cash app has done nothing to help me file a dispute nor investigate my claims. The institutions that they referred me to stated that they can not help me because these transactions originated from cashapp. I just want to recover my money and figure out who would do such horrible things. I still have to pay my mortgage company and cashapp is offering direct deposit and debit cards and my consumer agreement stated that if I notify them within reasonable time that my account has been compromised they would dispute it. However, they have done nothing about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: TN

Complaint narrative:
I file a report with XXXX  and XXXX  on two accounts they are reporting on Discover and XXXX Mortgage both accounts are Fraud. I  send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I sent a letter to Equifax via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from Equifax regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 55 days since Equifax received that letter, and they have still not removed those accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Account is fraud I don't have any relationship with this Account I never did any business or open any account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a notice this evening that Bank of America has chosen to close my credit card account. This account has a credit balance and has not had a balance in several months and I feel like this was an arbitrary decision. The creditor previously lowered my credit limit in the same fashion while I was on a promotional APR and made no attempts to contact me to verify my demographic information. Now they have adversely impacted my credit score by upping my utilization percentage after they have closed the card. This is unfair as I have given them no cause to close this account. My credit has improved since I was initially was approved for the card and my income has more than doubled as well. How is this a justifiable closure? Im good  enough to receive weekly emails about investing my money that they know I have, but not to keep my card with a credit balance open? How does this not constitute as them causing me financial injury with their arbitrary actions? I can only assume what the adverse action reasons are because they did not provide them in this notification. However, I would challenge them to prove whatever credit information they have at the current moment is any worse than when they approved me for the card initially.

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 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a checking account at ICBC USA, and on XXXX XXXX I mistakenly initialized a transfer without sufficient funds on my account. 

ICBC first charged me a XXXX overdraft protection fee ( which was later reversed ) on XXXX XXXX, and since the transaction was returned, ICBC later harged me a XXXX refund item fee for this transaction on XX/XX/XXXX. So in total I was charged XXXX dollars return item fee. 

I wrote to ICBC a couple of time to seek a solution to this issue but did not received any reply. I also called ICBC USA 's  customer service representative on XXXX XXXX to ask if she can turn off overdraft protection for me, and her answer is no, their system does not have this feature. 

According to the rules regarding overdraft service XXXX https : XXXX ), all financial institutions must clearly provide customers a notice if overdraft protection is needed or not at the time of account opening, and at any time, a customer can choose to opt-in or opt-out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This incident happened today XX/XX/2020 at TJMaxx XXXX Branch - at XXXX XXXX. / Cashier register n. XXXX. 

I applied for the TJMax Mastercard Rewards Card, and it was the XXXX experience ever!! 
1. During the application I noticed that the Cashier/Store Associate had put a wrong address for me.. I told her it's the wrong address - she said It was ok and I could change it later using the number in the bottom of the reciept.

The store manager confirmed what the associate said and addes that as long as I change it today it will not affect anything.

2. After I went out of the store I called the number for Card Customer Service. On the phone, I stated I just opened an account and would like to change the address to get the card mailed to the right address. The Customer Service associate I had over the phone attempted to
send me an authentication code to my phone that is on file - she failed. The phone number on file is a wrong one, probabely a non working number.

3. Associate said she could not correct my address at this time and I should go online to upload more documents to verify my identity. At that point I was really frustrated! I asked the associate over the phone to close the account. She did. Then I asked to make the payoff of the current balance, she transferred me to Customer Service.

4.The Customer Service associate was not able to proceed with the payment as all the information on the file are wrong! She could not proceed with the verification of my identity!

5. I called the Store Manager to ask for a solution, either they correct my information on the system or get me the wrong information they submitted so I could at least verify my identity to the Card Customer Service number. 6. The store manager couldn't be more unhelpful. First she said there was nothing at her end to do to help me and that I have to call the Card Customer Service and get that fixed. I said so your associate
messes with my Identity and social security number and then I have to correct her mistakes? She answered firmely " Yes! '' - Very cold, very unhelpful, not showing the slightest sign of courtsey! She insisted that I should try to fix everything with the Customer Service Number.

At this point I could not believe this was happening to me!

I am really frustrated. I have an account that has my social number, I do not have which phone number or address it is associated to!

I attempted to make a payment, the customer service associate could not proceed with it because She could not verify my information!

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 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
On XX/XX/23 Zelle sent me an email stating that XXXX XXXX has use Zelle to send me {$240.00}. 
I initially tried to link Zelle to my XXXX account, and was told by XXXX there is a 30 day hold, so I could not receive the {$240.00} - because of Fraud associated wit

h Zelle. Following Zelles instructions, I attempted to link a Master Card Debit
Card with XXXX XXXX. And did not receive the {$240.00}, because XXXX XXXX   has

said Zelle is not a reputable vendor. Again, I did not receive the funds. Finally, I linked a XXXX  XXXX  account to Zelle, and did not receive the funds. Zelle has been no help, and stated I should talk to my bank, or talk to  XXXX XXXX  XXXX. No documents, no tracking, and the money is lost. 

I would like to my {$240.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation