vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. 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 XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. 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 XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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
Consumer complaint received 2021-10-20 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMCB-CARD SERVICE I have an inquiry on my XXXX report that I did not authorize. I have not applied for any credit since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have been working with Navient for some time now with both my private student loans to work towards the repayment. 
Since I have been working with Navient they have not been forthcoming in terms of providing me with appropriate repayment options until I had started with School at XXXX around XX/XX/XXXX. 
They provided the option for me to pay {$100.00} on my student loans while I was in school. However in XX/XX/XXXX they had canceled that payment plan option for me because they said that I had exhausted this option which I felt was ludicrous as I have been paying for my current education out of pocket because I do not have any aid funds available which amounts to {$4000.00} every 6 months which equates to {$660.00} a month that needs to be saved to pay for this. 
Now Navient also wants me to pay {$850.00} a month towards my student loans, which is too much for me to be able to pay both and still be able to take care of my family. 
I have asked Navient when I first was told of this plan cancellation to see if there are any further programs I can be part of since I am going to school and I keep getting told that I am not longer eligible for any programs as I have exhausted them all which I don't believe that to be true as we are also in the era of COVID and based on Navient 's website is that they do have other programs available but no one had even mentioned them to me. 
When I have asked Navient employees during our calls " Is paying on my student loans from a fraudulent school more important than pay for my current education and even putting food on the table? '' There was never any answers. I have let them know that I am not refusing to pay but I will pay what I can so that I can have a better future to be able to pay down on my loans without feeling like I have to choose a bill or basic living necessities. 
I have received notice via the Borrower Defense program that my direct student loans have been forgiven from XXXX XXXX and what else I find unsettling is that the majority of my private loans are also with XXXX XXXX the servicer is not willing to work with me on providing any suggestions or assistance to help with the repayment or even recommendations regarding the fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: DE

Complaint narrative:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

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 2021-10-20 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: DE

Complaint narrative:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

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 2021-10-20 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:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX XXXX BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.

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 2021-10-20 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: CA

Complaint narrative:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH EQUIFAX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE EQUIFAX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XXXX XXXX XXXX has implemented a fix company policy where it manipulates the amount of revenue the company can generate in card fees by developing a systemic policy that refuses to let card holders downgrade their card to one with a lesser fee when usage has been modified even after the Barclays company reduces the credit line on their own accord, ensuring that Barclays can continue to generate a significant amount of revenue by charging the same cardholder fees to the holder even if Barclays elects to reduce the card holder credit lines both negatively affecting the card holder 's credit rating by decreasing their line of credit and charging the cardholders more fees for less services. I have contacted Barclays every 3 months for 26 months and requested that I be allowed to revert my card back to the original card with a {$99.00} fee and have been told " I am sorry sir, that offer is not available for you at this time. '' When I questioned the representative further they stated that they have never seen that " offer '' available to anyone at anytime since they worked there. Instead of allowing you to downgrade your card, Barclays tries to enforce a fixed policy where you have to reapply for a " new card '' and take an additional negative impact on your credit score, when you already have an open and available line of credit, in an unscrupulous business practice that ensures the company a set amount of generate income at the detriment to consumers credit scores.

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 2021-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE BANK IS PURPOSELY DELAYING SENDING ME A PAY OFF STATEMENT IN WRITING, TO FORCE THE HOUSE TO GO TO SHERIFF SALE 9 DAYS FROM TODAY. EVEN THOUGH THEY KNOW THAT I HAVE A CASH BUYER WHO NEEDS THE AMOUNT IN WRITING TO WRITE UP A CONTRACT. THIS IS BECAUSE THEY WANT MY HOUSE. THE FIRST LOAN 'S BANK OFFICER SAID THAT CHASE ASKED THEM FOR THE PAYOFF AMOUNT. THE FIRST BANK SENT ME THEIR PAYOFF AMOUNT IN WRITING. CHASE IS STOPPING THE SALE BY DELAYING THE TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA notified me via internal messaging that my account had a security issue on XX/XX/XXXX. 
I called that night and they told me that everything was fine and that if there were other issues th ey would send another message. That week issued checks for credit card payments, children 's t uition and my rent. On XX/XX/XXXX, I was informed by my landlord that my rent check bounced, my credit card companies told me that my direct pay was not honored and my church that again my donation check bounced. I was fined {$82.00} for all of this and when I called USAA I was bounce d around to several departments and after 75 minutes I was told that my account had been froze n but that I was never notified. They froze my account because they thought the money that I se nt to my wife was suspicious but never told me. I was told that a service representative would ca ll me on XX/XX/21 by XXXX and they never did. I was told that on Monday ( XX/XX/21 ) after again on t he phone for over 90 minutes that all was okay with my account only to find out that my bill pay had been suspended. I want to be reimbursed for the {$82.00} fines and a letter drafted and faxed to me ( XXXX ) that my accounts are NOT FROZEN as none of my credit card companies will allow direct payment without it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
inquire appeared on my credit record that I don't recognize. i have called to resolve and no luck. 
date XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My account was overdrawn on XX/XX/2021 so I went to deposit money to take care of the negative balance after my work day. I made the deposit to my account around XXXX mountain time and then the following day I was hit with a NSF fee. I didn't care too much about it, but after figuring out I made the deposit before the cut off time I was a little perplexed. On XX/XX/2021 I contact BMO Harris around XXXX XXXX to get an explanation of why I was changed a fee, but the rep glossed over my question and asked, " why do you think you need the fee refunded? '' I was a little confused about the question so I asked her to repeat herself and sure enough she asked the same question and doubled down on asking me questions that were not related to my inquiry. I was put on hold, rep came back and negotiated a 50 % refund because of my account history. I told the rep I've never had a ODF or NSF fee before so she decided to pick at my spending habits. 

My issue is, if my cash deposit was before the cut off time I shouldn't have been charged a NSF fee because I funding the account. Furthermore, I shouldn't be patronized by some bank rep about my beliefs on getting a refund, etc.

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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I received a voicemail from ( XXXX ) XXXX " This is XXXX XXXX contacting you in regards to your claim being filed through XXXX county by law have to make you aware that want your claim number as the XXXXXX is file through the county it does become a matter of public record and there is an order for your location since I wasn't able to reach you by phone I have been instructed to contact your employer because it looks like that is going to be your likely place of lactation the store you do have the legal right to contact the office that is processing your claim however you would need to speak to them before your claim is filed once your claim is discharge from their office all of your legal rights will be forfeited the number that will be provided for that office is XXXX again that phone number is XXXX You XXXX legally notified by telephone and you will be located unless I a.m. instructed otherwise I called the number back at XXXX XXXX XXXX claiming to be a " XXXX XXXX XXXX '' They repeated over and over that they are only a third party notifier about legal proceedings. I then informed them that legal proceedings always have paperwork and that I never received paperwork from this " debt collector '' nor this I allow for them to call relatives and harass them. I asked for a website or a business name that I could look up and then the person on the line got rude and did not want to answer any more of my questions. I hung up and got on the FTC website ASAP and filed a claim.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: FL

Complaint narrative:
I have applied for a personal loan and was denied by ROCKET LOAN with no reason perfect credit history no degarotiry account, income excellent no reason what soo ever These practices of discrimination are recurrent, i was refer by friend which is my co worker same situation of discrimination, provided all documentation to support my claim on the loan and i was denied for reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
A cashtag participant created a fake profile similar to a business which led to the transfer of funds to his account to the incorrect account. I informed the cash app immediately and no action was taken to stop the pending payment. As per the cash app disclosures : You may select a unique alpha-numeric name to identify yourself on the Service ( a $ Cashtag ). You may not select a $ Cashtag that misleads or deceives others as to your business or personal identity or creates an undue risk of chargebacks or mistaken payments, As per this portion of the disclosure, the individual on cash app was able to create a cashtag ID similar to a business to allow the misapplication of funds. Cash app allowed this misleading behavior and when informed did nothing to stop the transfer of funds. 

6. Peer-to-Peer Service Payment Amount Limits If youre sending large amounts of money over the thresholds described here, you will need to provide an additional ID so that we can make sure you are who you say you are. 

We will require you to provide us with additional identification information if you wish to send more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period or to receive more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period. Square may impose other limits on the amount you can send in any one transaction or in multiple transactions over any seven ( 7 ) day period, subject to some restrictions. We may adjust these limits at any time at our discretion. 

Furthermore, the transaction amount sent via cash app should have been verified as per the above policy. The total amount transferred required additional verification by cash app and this was not performed. 

The terms and service descriptions clearly indicate that cash app did not follow their of service in protecting individuals transferring funds on their platform and continue to deny the fraud that was demonstrated in my case. I am requesting a full refund of the funds that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is charging me for a debt that I do not owe. I'm asking that this debt be verified according to the fair credit reporting act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Yesterday I reached out and spoke with XXXX who told me he was removing the late fees that I received after PayPal tried charging a closed account despite having both an updated banking account information as well as my credit card information. Because I continued to get emails about the late fees, I called again and spoke with XXXX XXXX XXXX ) who told me PayPal was unable to remove the fees. I asked why I was given different information yesterday but couldn't get an answer. There is no accountability. Both calls took place on a recorded line according to PayPal. I refuse to pay the late fees especially after XXXX told he was removing them. At this point, I would also like to close my PayPal account. Shouldn't there be notes from yesterday 's call?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: FL

Complaint narrative:
MY LETTERS TO CASH APP For your reference, here are the 2 previous sham " investigation '' case numbers i had. case # : XXXX and XXXX. I hope this new investigation is real and not a 3rd exercise in futility. So far CASH APP is 2 for 2 in one-sided reviews done solely for the benefit of cover for CASH APP to deny all claims. I still don't understand how a financial institution worth over {$100.00} XXXX, who spends probably hundreds of millions on customer acquisitions, can treat customers and customer claims like a bankrupt, 3rd tier insurance company.

Company response to consumer: Closed with explanation