vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am writing to file a complaint against Chase Bank for their failure to remove unauthorized charges on my credit card account. My account number ending is XXXX. 

On XXXX, I noticed some unauthorized transactions on my credit card statement. I immediately contacted Chase Bank 's customer service to report the issue and requested that the unauthorized charges be removed. However, the customer service representative informed me that the charges were valid and that they would not remove them. 

I have never authorized any of these charges, and I have no knowledge of the transactions. I explained this to the customer service representative and requested that the charges be removed, but they refused to do so. 

I have been a loyal customer of Chase Bank for many years, and I am extremely disappointed with the way my complaint has been handled. I have always paid my bills on time and have never been in default. I believe that it is the responsibility of the bank to protect its customers from unauthorized charges and fraud. 

I am requesting that the Consumer Financial Protection Bureau take action against Chase Bank for their failure to remove the unauthorized charges from my account. I also request that the bank compensate me for the fraudulent charges that were not removed from my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Regenerate response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2023. 
I set up a XXXX Chase XXXX for a large purchase to pay over 6 months. I received a small bonus from my employer and want to pay it off early. There is no way to do it. You can not pay it off early without paying off the entire credit card balance. The terms said that the plan could be paid off early but was not clear that the only way to do so is to pay the entire credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I lost my job due to XXXX and began door dashing to try and recoup my income. I entered into a forbearance with the serviced and exited it on XX/XX/XXXX. Since then I have attempted to engage for a modification and have been unsuccessful as I am being asked to produce tax returns which I can not because I have not filed. I do not want to lose my home but feel like I am being given no choice but to foreclose or sell. I know Im eligible for a streamline option and would like to pursue that. I can afford my normal monthly payment and just need a fresh start. Why cant I get a streamline option like I know Im eligible for. Also why havent I ever been offered assistance through XXXX for reduced benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
None of the choices apply to my problem. XXXX XXXX, an investment firm, bought a {$40000.00} cd from Citibank on XX/XX/ for my IRA ( matures XXXX ). Interest is supposed to be payable quarterly. We filed a complaint with XXXX on the investment firm and settled with the investment firm ( then XXXX ). 

However, we still have the investment and can not afford to cash it in because we would lose half the money. I'm sure I won't be around in XXXX since I am XXXX XXXX XXXX. I never should have been sold that investment, thus the complaint with XXXX. 

I called XXXX and they said I should call the Federal Reserve Consumer help line. They said I should call your agency. I tried everything I could think of to call Citibank, to no avail. 

This type of investment should be illegal. As I said it was purchased in XXXX That year it paid {$3000.00} in interest, {$2100.00} in XXXX, {$500.00} in XXXX, {$230.00} in XXXX. {$0.00} in XXXX, {$0.00} in XXXX, {$0.00} in XXXX. {$980.00} in XXXX and {$0.00} in XXXX. I feel totally taken advantage of by Citibank! They are using my money for practically free and that is NOT RIGHT. I am retired and am on a limited income. I don't know where to turn.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I logged into Equifax to try and lift a freeze to apply for a credit card and they couldn't verify my identity even with my social security and all other information because I didn't have a credit card already set up. I just wanted to temporarily lift a freeze, and XXXX other companies would let me, but since I didn't have a credit card they wouldn't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2023-03-01 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: FL

Complaint narrative:
The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be XXXX  % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Equifax, XXXX and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a fraudulent activity on my Capital One Account on XX/XX/XXXX and the bank restricted all my accounts and now i have no access to withdraw cash or pay my bills while they investigate the matter. They wont give me an idea as to how long this would take and what options i have in the meantime. 

I am fine with them investigating the matter but at least i should be able to pay my bills out of my account. This puts me in a difficult situation and subjects me to fines, penlaties, cancellations of my accounts related to mortgage, rent, utilities, credit cards etc. 

I dont understand how the banks can take the customers accounts and hijack all the money and leave them with no options. This is completely wrong and should not be allowed. We as a customer have no rights when it comes to these things with the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/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 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
Hello, I am a concerned XXXX  's and other lending institutions that purchase conventional mortgages on the secondary market such as PennyMac, XXXX XXXX and XXXX XXXX are imposing loan level price adjustments that are very discriminatory and impart greater costs to lower income households purchasing lower cost homes. These loan level adjustments while holding credit scores, down payment amount and debt to income ratio as static components of the application are ultimately charging a borrower who is getting a lower loan amount a much higher interest rate than if they are getting a higher loan amount. I've run the analysis through multiple lenders, both correspondent, wholesale and broker based and this strategy is costing a borrower over 0.5 % more in the mortgage interest rate. This should be illegal and addressed if a verified and authentic algorithm is not being applied to justify this difference in rate. 

Why is the interest rate higher for a lower loan amount for one borrower if the credit score is XXXX, the debt to income ratio is the same and the down payment is the same? This is not equity in housing and violates TILA & Reg Z. As consumers become aware of this and that they are paying more in interest for no other reason than they borrowed {$120000.00} rather than {$200000.00} it will cause some major issues in regards to equality in mortgage lending and truth in lending. 

I hope the CFPB is taking more actions to investigate these loan level adjustments that are NOT being applied in an equitable manner. This undermines the integrity of the mortgage industry and mortgage professionals who are working to provide their clients with transparent, clear and equitable loan products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CITIBANK, N.A.
State: GA

Complaint narrative:
After filing complaint # XXXX, CitiCard provided ~ {$700.00} in relief when they owe me much more. I am still receiving letters from CitiCard stating that they have reversed the previous credits and do not have a way for me to escalate my claims. They just keep starting new investigations. On my call today, I discovered that there are more than XXXX {$99.00} charges ( ~ {$29000.00} total ) from XXXX on my account. These charges are all fraudulent but CitiCard wants me to be responsible for them. 

The other merchant involved in this claim are : XXXX XXXX, XXXX and XXXX XXXX. 

I have also asked CitiCard repeatedly for an account of all of the fraudulent charges so that I know what I actually owe them. This information has yet to be provided to me. Im sure this as difficult exercise because CitiCard let this fraud go in for so long. My refund must include all of the interest I have paid to the company as well. 

Today I requested to discuss these atrocities with a supervisor by have yet I be contacted. 

Even though I have locked my account, fraudulent transactions are still being added. 

Ultimately, CitiCard is investigating and interrogating me and not the actual perpetrators I this crime. This and all the facts stated above are completely irresponsible.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically Prestige Financial as the company entitled to enforce this reporting to my credit. 
Company : Prestige Financial Account Number : XXXX Prestige Financial Services XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the XXXX XXXX and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: KS

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
STATUS The complaint was closed on XX/XX/2023 The CFPB closed this complaint because it has already processed your earlier complaints about this problem. You closed the report as usual and DID SQUAT! HOW PITIFUL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
my name is : XXXX XXXX FIRST NAME : XXXX LAST NAME XXXX. 
EXPERIAN HAS XXXX DIFFERENT NAMES IN MY CREDIT REPORT ON THEIR WEBSITE. 
i STRONGLY DISAGREE WITH EXPERIAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I have submitted CFPB Complaint # XXXX, which is still open. However, in the interim I have received a notification from Moehala stating I only have 36 months worth of PSLF payments. This is obscured! I have provided documentation in my initial complaint and previously to Moehala to reflect that I worked at the state while making payments for significantly more than 36months. 

I continue to believe that the same illegal tactics used previously to keep people drowned in student loan debt is still being used. I have been out of XXXX since XX/XX/2008 and made payments this entire time. That is 15 years, and yet I still am in student loan bondage. Every time there is hope that the system has changed to ensure there isnt so much red tape to qualify for PSLF, it is quickly taken away. It is very upsetting to know that I took a job with the state barely making enough to be out of poverty with the promise that I would qualify for some level of student loan forgiveness, to yet still be waiting. 

I cant even consider getting a car because I realize the strain that having a car payment and potentially a student loan payment would cause my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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