vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue my income dropped to XXXX $ in hardships from covid 19. they threatened to have my payments increase if i don't pay. Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/XXXX and was advised that I was roughly one month past due in the about of {$50.00} i made this very clear with no direction at all moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: GA

Complaint narrative:
My card was used without my permission on XX/XX/2021 for several charges at XXXX, XXXX XXXX, and XXXX XXXX for a total of {$3900.00}. After speaking with Direct express about the transactions the customer service rep started the claim. She did not go over the charges with me she said that she would send me a form to fill out. I completed the form and included the charges that I did not authorize. Because the rep did not go over the charges with me and 2 charges were included in her claim from XXXX XXXX they denied my claim. I call back and spoke with another rep who said that he would send the email to the supervisor who would be able to reopen and they declined. Even though the rep said he can see that i never used my card the way it was used on the XXXX of XXXX and i have been with them a long time they refused to give my my money back. It is had to talk to this company and they take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2021 I mailed dispute letters to XXXX and Transunion to remove accounts listed below for inaccurate information its been more than 30 days and that violates my fair credit rights. especially section 609. can you please make them delete these items from my report for violating my rights and reporting inaccurate Information. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted proof that the 8 hard inquiries on my credit report should be removed to XXXX on or about ( mailed ) XXXX XX/XX/2020. To date, they have not been removed ; and, I have not been told why, either. 

On XXXX XX/XX/2020 I bought a motor vehicle from XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX I XXXX XXXX in XXXX Texas ( invoice number XXXX ) with the assistance of Mr. XXXX XXXX at XXXX For my daughter XXXX XXXX XXXX. 

In XXXX 2020, I became aware of the eight hard inquiries to/on my credit report, all 8 related to this sale and transaction. Since I had made it very clear that I did not want any credit report requested in conjunction with this sale because I was going to be paying cash in the total amount for this vehicle ( {$26000.00} ). In late XXXX. 2020 I was forced to ask Mr. XXXX for a letter stating that the credit inquiries should be removed so I could mail it to TransUnion following receipt of my requested credit report as I could not submit such a complaint on-line ( Why is that anyway? ). Then, I mailed that letter from the XXXX XXXX XXXX XXXX company along with my request and complaint to Trans Union for a resolution. The resolution has been approved yet the inquiries were not removed. 

Again, Trans Union, XXXX and XXXX continue to document these erroneous vehicle loan inquiries that shouldve been removedAnd, in fact, never Should have been documented In the first place. A copy of the letter I mailed to TransUnion is attached.

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 2021-03-14 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near 800 and I must keep it there, I always pay my bills, but I do not owe this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage through citizens one. I have been furloughed from my job at our local XXXX in XXXX Pennsylvania since XX/XX/2020. I have never missed a payment. In XXXX and XXXX Pennsylvania had issues where they could not pay unemployment for two months. After I paid my XXXX payment I contacted my bank and asked to be put on the Covid relief for three months. I was told I was the next month I got a late fee and was told now theyre gon na put me on it. Again the next month I got a late fee and again was told they were going to put me on it. Now Im in the third month now Im getting threatened of to get in the house taken away even though Im supposed to be on the Covid relief with my fha loan. I am beyond upset I have contacted my mortgage company several times about this issue since I signed up. Each time its the same thing and I keep getting more letters from my bank. My next step I will want to call an attorney and I think I have rights to sue them for all this because Ive done everything Im supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has been falsely verified as accurate by Transunion, XXXX and XXXX XXXX after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).

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 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
In 2017 Coinbase removed access from my account and since then have been unwilling to have a conversation with me as to why this was done, or work with me on any attempts to rectify this situation. I am not sure the exact reason why they decided to close my account, just that they are claiming they were acting in relation to potential FINCen regulations, but I have worked with the New York Attorney Generals office to help put away a criminal in relation to Bitcoin transactions and received immunity for any past transactions, so there is no reason the government would come after me or Coinbase for having me as a customer. I have told them this, and was willing to show them any documentation they needed, but they have claimed this decision was permanent. I live in NY where Coinbase essentially holds a monopoly over trading apps, and I have been unable to trade certain assets because they have denied me use of their tools, and have started buying up platforms that I would have been able to use before they started buying up other companies like XXXX and XXXX. 

Im not sure where else to go to solve this issue, or if there are any powers the CFPB has to rectify this situation, but if they wont tell me why they have closed my account, I dont even know what rules I violated, and again, I had direct relations with the government, so I dont know why they wont allow me to trade just to buy and sell my digital currency investments. To me, this is akin to an internet service provider cutting off my ability to use the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: NV

Complaint narrative:
In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these XXXX years because I was preparing myself to work as a XXXX XXXX because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

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 2021-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I took out a non interest paying promotional credit card loan in XXXX. Records show that I paid in full. After completing payment of the loan, I spoke to a Bank of America representative and stated that I did not want to renew my credit card due to the fact that they charged a fee. I received notice in XXXX of XXXX that I have a non payment charge against my credit from Bank of America. I called them in XX/XX/XXXX and stated that my credit card had been cancelled more than a year and a half ago. 
I never knew that Bank of America had reinstated my credit card. I had no idea until my credit card rating dropped XXXX. Bank of America is still billing me and adding non payment charges to my account. This is seriously egregious. They are a large banking institution and I am a peon.

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 2021-03-14 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
There was a debt of {$250.00} for a medical bill for my daughter reported by Eastern Account System. I do not have XXXX  or XXXX XXXX of my daughter, her mother, my ex-wife, has XXXX XXXX of our daughter. I was unaware of a medical bill, or even that she visited the XXXX. I only found out about this debt from an alert on my XXXX account, once I saw the debt I paid it the same day I received the alert since it was such little money. I never once received a notification, all the bills went to my ex-wife place of residence and she never once informed me of this bill. Since she has XXXX XXXXXXXX, she uses her phone number and her address for the doctors records, hence why I never received or was aware of this bill. I called the doctors office, XXXX XXXX, to see if they can take this collection report of my credit report and they referred me to the collection agency Eastern Account System, I told them the situation and they were unable to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
its a 3rd complain about the closing the mortgage with TD bank 1. We refinance teh mortgage with TD bank on XXXX XXXX. 
We paid all pay off amount but back in XX/XX/2020 we received a letter from TD bank stating that we own an additional {$5500.00}, It was a school taxes that TD bank paid althiught we refinance we the different bank back in XX/XX/2020. 
2. Title company issued a refund in the amount XXXX to TD bank, the check was cleared by TD bank. 
3. I, myself. along with the lawer Mr. XXXX XXXX spend 3 month contacting tTD bank, talking to the superviosr explaining that the mortgage is paid off, title company send a proof that TD get a refund for teh taxes paid.

4. We send all proof to TD bank a few times and teh issues was seems to be resolved.

5. When I contacted TD bank I was told that the mortgage hs athe outstanding amount of {$26000.00} as the underpayment of the pay off. The pay off was send to TD bank again, and the issues seems again to be closed.

6. now we are back to original issue of the tax paid in teh amount XXXX. 

AS I said me, my lawyer and the title compamy were sending the proof that all amount were paid to TD bank. 

I dont have time or energry to explain again and again to TD bank the issue, its seems that TD bank does not have qualifued personal. 
Please see attached the documnets as a proof. Its a third complain about teh same issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XX/XX/XXXX - Bought beats headphones on amazon for {$160.00} XX/XX/XXXX - Spoke with Amazon, they say shipped and delivered by XXXX on XX/XX/XXXX XX/XX/XXXX - Initiate dispute with Chase about purchase XX/XX/XXXX - Chase sides with Amazon and purchaser regarding dispute. 
XX/XX/XXXX - Go into Chase bank to re initiate dispute as Chase needs it in writing. Branch faxes it to dispute number. 

XX/XX/XXXX - Reach out to Chase about new dispute, says never received fax. Thanks Chase XX/XX/XXXX - Apartment building shipping locker is reset, package is found and was in there, correctly delivered. Initiate return with Amazon on this day. 

XX/XX/XXXX - Item is shipped back within return window XX/XX/XXXX - Reach out to Amazon about refund, says already processed, no refund on Chase credit card. Re initiate dispute with Chase XX/XX/XXXX - Chase closes dispute, not changing the original decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XXXX XX/XX/2021, I received via US Postal Service a Cash App Visa debit card issued by XXXX XXXX. The debit card and underlying Cash App account are fraudulent, as I did not open either. 

On XXXX XX/XX/2021, I contacted XXXX XXXX via telephone to request the debit card be canceled. However, my attempts to contact Cash App, an online banking application by Square , Inc, to cancel the underlying account were unsuccessful as Cash App offers no means to report fraud via its website or telephone. Cash App only provides a generic mailing address for unspecified purpose. 

I suspect Square, Inc. has purposely structured Cash App in this manner to avoid the administrative burden of handling consumer complaints. I believe Square, Inc. thereby cynically facilitates criminal financial activity by frustrating consumer fraud reporting. I request you examine this issue and hold Square, Inc. accountable for allowing this abuse of my personal information.

Company response to consumer: Closed with explanation