vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CT

Complaint narrative:
My Cashapp account was closed, according to an email received from a rep recently, I believe on XX/XX/XXXX. The current balance is {$25.00}, there are two pending funds transfers totaling {$74.00} which should post by XX/XX/XXXX. Once posted, the balance should come to {$100.00}. I am unable to link an external account to transfer remaining funds to, I requested a check via secure message as well as email, no reply received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2019, I arrived at a Banana Republic store to do some shopping. I hold a Banana Republic store credit card administered by Synchrony Bank. However, I realized at the check out counter that I had left this card at home. So began a series of unfortunate events. The Banana Republic representative checking me out tried to access my account by prompting me for my social security number, without success. When that didn't work, I worried the issue was that I had not yet activated the new card that had been sent in the mail some weeks prior. The Banana Republic representative thought it likely that this was the problem and offered reactivating my account as the best resolution. The reactivation process strongly resembled the process for opening a new account, so on several occasions I verified with the representative that the process would *not* open a new account. I also explicitly verified with the representative that this process would not result in a hard credit inquiry. However, the representative was wrong on both accounts. When I returned home I received an email from XXXX XXXX alerting me to a new inquiry against my credit and, upon logging into my online Synchrony Bank account, I found that a new Banana Republic credit card account had been opened. I promptly closed the new account and called Synchrony Bank to request that the inquiry be removed from my credit report. On XX/XX/2019 I received the attached letter from Synchrony Bank denying my request. 

It seems unreasonable to expect a consumer, faced with a company representative that says one thing and a company document that says another, to be responsible for discerning which source is correct. I hope that Banana Republic and Synchrony Bank will recognize their responsibility to resolve this conflict by removing the hard inquiry against my credit.

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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, To whom it may concern there seems to be a lot of inaccurate information on my Experian file. I signed online on XX/XX/2019 to check and see if everything was accurate. according to what it says my report number is XXXX Here are some of the things I have noticed to be inaccurate on my personal information I never lived at XXXX XXXX XXXX or XXXX XXXX so I would like those 2 removed from my file as I am unsure where those addresses even came from. 

On my social it shows 3 different ones only one is accurate the ones ending in XXXX or XXXX must be some type of fraud someone tried to do at some point in my life. The one ending in XXXX is correct. 

Hard Pulls that were never authorized by me nor do I recognize that I would like removed as soon as possible as it's not inaccurate potential fraud because I never approved of the following XXXX XXXX   XX/XX/2019, XXXX XX/XX/2019,

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 2019-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I attended XXXX XXXX University, XXXX for 2 years to complete my XXXX 's dgree. I then attended XXXX University to complete a XXXX credential. I earned an XXXX Credential and XXXX XXXX Degree in XXXX at the University XXXX XXXX. I then attended XXXX XXXX University to clear my XXXX Credential and earned a XXXX in XXXX XXXX. I worked for 22 years in XXXX   as a classified employee, XXXX XXXX XXXX and XXXX. All 22 years were at XXXX XXXX XXXX XXXX XXXX. 

This information is relevant because all of my education, certifications, and degrees were required for the positions I held in education. 

I applied for " Student Loan Forgiveness '' with the US Department of Education. I was told that if I pay on the student loans for 10 years AND worked in a government approved service job the rest of the loan balance would be " forgiven. '' I paid on my student loan for the 10 years and was then told that I " have the wrong kind of loan. '' The bottom line : > I have now been paying on my student loan for the past 14 years. The balance in XXXX was {$110000.00} and the interest rate was 7.5 %. Today the balance on my student loan is {$100000.00}. 
> I was able to switch loan companies in XX/XX/XXXX to FedLoan Servicing. The reason I moved to this company was to get a lower payment and lower interest rate. In the last 17 months my loan balance has been reduced by only {$160.00}. The interest rate is 4.75 %. 

I pay my mortgage every month and the balance goes down every month. I pay on my student loan and the balance has not only gone UP several years in a row, due to a high interest rate ; but it is now going down by only {$9.00} a month. 

I retired from my position as a XXXX in a XXXX XXXX XXXX XXXX XXXX   in XX/XX/XXXX. I am XXXX years old. You don't have to be a genius to see that I will die while still paying on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was on XXXX making a purchase and thought I was putting my personal debit card info in and when I hit confirm it said give us a few seconds to see if u qualify, and at that moment I thought sonething just wasnt right then I got a notification from XXXX XXXX saying I had a hard inquiry on XX/XX/2019.

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 2019-09-02 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: FL

Complaint narrative:
I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.

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 2019-09-02 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:
I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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:
I realize that my report is still showing inquiries that were Fraudulently made without my my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.

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 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am a single father of XXXX. i tried to purchase a home and was denied because of credit. when i seen my own credit there were several accounts that was not authorized by me.

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 2019-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I sent Loan Care a check and asked them to put it against the Escrow and they used it against the Interest and Principle. 

This is violation of the Law.

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 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Data Corporation
State: CO

Complaint narrative:
On XX/XX/2019 a payment was made from Money Network Financial LLC., ( XXXX XXXX XXXX XXXX ) for the amount of {$590.00} sent to XXXX XXXX ( XXXX XXXX uses XXXX XXXX as a third party for on payments ). The amount for {$590.00} was never applied to my XXXX XXXX account. 

My attorney wrote to XXXX XXXX and response was that they never received the funds from XXXX XXXX. 

I wrote to CFPB via XXXX XXXX and response was they same I wrote to CFPB via XXXX XXXX and they pointed the finger towards Money Network Financial, as never receiving the funds. 

Please respond as this is very important as part of Discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: Credit Bureau of Carbon County
State: VA

Complaint narrative:
Collection Cente Inc -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early XX/XX/2019 I contacted Bank of America about my Alaska Visa Signature Credit Card. I did not like that I was charged interest when I paid my account on time. I was told that the interest was legitimate which I did not agree with and told them that I wanted to close the account. 

I called back in a couple days to close the account and was not told that the annual fee had been added to my final statement. 

When I received my final statement and saw the annual fee charged to a closed account I assumed it was and error and called B of A I was told that it was not an error since I had closed the account 2 weeks after the annual fee was posted. I offered to pay a pro-rated amount for the 2 weeks and was informed by two people that I would be required to pay the whole amount which I think is ridiculous.

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 monetary relief
Consumer complaint received 2019-09-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: VA

Complaint narrative:
XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

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 2019-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I'm not sure if it's too late to ask for help but back in 2012, I lost my condo in XXXX XXXX that I had for 19 years to a wrongful fforecloser! I was under a loan modification at the time that it happened and I done everything that they had asked me to and submitted everything that they asked me to and they still foreclosed on me! Then when the lawsuit happened with the five banks that were foreclosing on people I was part of that and I ended up getting I think {$1300.00} or something close to that! I still didn't get my condo back! And ever since me and my boys have been homeless and living in hotels because it messed up my credit so bad and it just devastated me mentally and I went out on stress leave and then I lost my job! So I'm not sure if there's anything that you guys can do to help me this many years later but if there is I would so appreciate any and all help! this foreclosure devastated my whole family and I had XXXX young boys at the time and now they are grown but my youngest has been in and out of jail ever since struggling with XXXX XXXX and XXXX   and I know a lot of it stemmed from losing the condo so thank you for your time and hopefully for your help have a good night

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 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Calvary Portfolio Services has re-aged one of my accounts that is currently in collections. It was opened in XXXX but is showing on my credit report as opened in XXXX. This is illegal and is preventing me from receiving an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Sapphire Preferred and Chase Freedom Unlimited without cause or giving me notice slashed my credit limit on both cards by {$4000.00} and {$3000.00} respectively. I have made all payments on time and I always pay more than the minimum amount. I had to make credit purchases to cover unforeseen expenses such as automotive repairs. I called customer services and was told Chase could slash my credit limit at anytime and they were not required to inform me. This is unjustified and arbitrary on their part and I have been discriminated against for unknown reasons. I explained I am a XXXX  veteran and now XXXX   from the XXXX XXXX. I have always paid my financial obligations and by Chase slashing my credit limit has severely damaged my credit scores and placed an undue burden on my finances. The Chase Credit card corporation needs to be held accountable for their callous and mean spirited practices. Their reckless disregard for their customers is inexcusable. Chase slashed my credit limit on or about XXXX XX/XX/2019. I request your assistance to rectify this matter because Chase does not care about the consequences of their thoughtless decisions that in my case has caused an approximate 70 points drop for my credit scores. Chase should explain to your bureau why they approved me in the first place and without notice decided with what I feel is malicious intent and they are in violation of the law. As a citizen and consumer who has followed the law and common courtesy I will continue to pursue justice and notify my government representatives and the news media about Chase Bank Credit. They are greedy thoughtless cruel and unpatriotic corporate bullies. Please assist me in my efforts to expose their awful and illegal business model. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
This is in regard to a letter I received from XXXX XXXX XXXX on XX/XX/2019, dated XX/XX/2019. The letter states that my deposits are not in accordance with First Hawaiian Bank rules and regulations and that we have decided to close your account. I talked to XXXX on XX/XX/2019, at XXXX XXXX and was told my account has unlimited deposits for the checking account I have with First Hawaiian Bank. XXXX XXXX only sent a letter that I included in the file upload with no explanation about what account deposits are not in accordance with First Hawaiian Bank rules and regulations. I never heard of someone's account being closed for making deposits. I have been making the same deposits with First Hawaiian Bank going on three years and really would like to know what changed on XX/XX/2019. I included my bank account statements for the last three years. I hope this would help XXXX XXXX explain exactly what deposits are not in accordance, this is a first for me. I was giving to XX/XX/2019, to either close my account or XXXX XXXX will do it on the bank 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation