vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have a paypal account and was TOLD I was to receive a Debit/Credit card from PayPal and " asked '' if I wanted to opt out. If so, I had to log onto the paypal site and affirmatively decline the card. I did so, and was confirmed that I had opted out and would NOT receive a credit/debit card from Paypal. Just now I received an email from PayPal claiming that I was to receive a PayPal credit/debit card within the next few days and that if I didn't want it I had to affirmatively go on the PayPal website and close the account. How can they do this? In my research I see that they were hit with a {$25.00} XXXX dollar fine for doing this in 2015. I believe this is illegal and will adversely affect my credit rating to have to close an account which I did not consent to open in the first place. I am very angry and want this stopped. To me this is bordering on identity theft, to create a credit card without a consumer 's permission and then send it through the mail where it may get lost or stolen and be floating around out there in someone else 's pocket and I have no idea that it is even out there if I didn't pay attention to my email and see that this company had issued a credit card in my name that I didn't ask for and then I would have to affirmatively take the action of closing something as serious as a credit card account that I might not have been aware of. I thought this sort of behavior was made illegal in the XXXX. How can they get away with this? Please stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2020, I was looking at my Chase bank statement online, and noticed a transaction from XXXX in the amount of {$40.00}! I have never done business with XXXX, so I immediately called my bank. I told them the problem and they filed a claim. 

The next day, I got an update letter ( all online ), that stated they would Credit the {$40.00} to my account while they " investigated '' the matter. Then, on XX/XX/XXXX I got another letter dated the same date, that they had completed their research and they " found that the transaction was " processed correctly '' ( whatever that means ) OR " was authorized ''! It certainly was Not! 

The last line of this letter said that I could contact them " IF you would like to request the information we used for our research ''! 

Again, I called the bank right away and said, " Yes, send me the information you used in your research. I would love to see it! '' The Rep said that they would mail it to me and it would take 10 business days! I said, OK. This call was on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any letter. I am upset. I feel like they just threw me under the bus. I have been a customer of Chase for the past 17  Years! I don't believe they investigated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a credit card with Citibank that I was not actively using ( I have since cancelled this card ). In XXXX of XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XXXX of XXXX I used the card for the first time and later in that same month I received a bill / late notice from Citibank in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XXXX of XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called Citibank to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted Citibank and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
We are officially disputing the amount that you claim is owed. We vehemently declare that your claim is totally inaccurate. 

As stated on the enclosed letters, we were provided with three servicers within the short period of nine months, clearly contributing to the miscalculation and error of figures on your part. We strongly suggest that you review our account records with all three of our recent servicers. 

After completion of your thorough review of our loan account since XX/XX/2006, please send us verifiable proof of the loan amount owed, as well as our signed copy of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I deposited a cashiers check into my checking account at Chase bank in the amount of {$1900.00}. I was told there would be a hold on the funds till XX/XX/2020. The next day, XX/XX/2020, I called Chase to inquire why my cashiers check had a hold and they put me on hold for several minutes and came back on the line and said the check was good and they were releasing the funds, Because I was uneasy dealing with this amount of money, I asked Chase to call the issuing bank and confirm that the check was in fact good, They did and came back on the line and said they talked with XXXX at the issuing bank and the check was good. I asked Chase to send me a short email stating the check was confirmed to be valid. The response was that " Chase does not do that but you have my word the check is good. '' Based on this, I spent {$1600.00} of the funds at XXXX XXXX  and that same day at XXXX XXXX  Chase debited my account for! ,XXXX and said the check was ficticious and altered. I never would have used the funds had I not relied on the validity of a cashiers check and Chase giving me their word the check was good. This entire conversation was on a recorded line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25 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: Westlake Services, LLC
State: OH

Complaint narrative:
An unauthorized hard inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: MD

Complaint narrative:
Equifax is reporting an invalid collection account by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX  in violation of the FCRA that requires the validation of the information accuracy of a claim, the collection claim does not correspond to my personal information accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
I would like XXXX  and TransUnion to remove the remaining fraudulent accounts from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: MA

Complaint narrative:
I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

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 2020-02-25 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: MA

Complaint narrative:
I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXXI used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for  the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
I would like Equifax and XXXX to remove the remaining fraudulent accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA does Not provide a TRUTH IN LENDING STATEMENT. see attatched XX/XX/2019 statement showing OTHER CREDITS {$2.00}, XXXX and TOTAL CREDITS ONLY {$910.00}. Definition of TOTAL. = Comprising the whole number or amount. USAA statements SHOW TOTAL CREDITS that do Not Comprise the whole number. WHAT PART OF TOTAL DOES USAA misunderstand? Why are they allowed to hide credits? ( Without A VIEW OF THE CREDITS the statement IS NOT THE WHOLE TRUTH. NOTHING BUT THE TRUTH UNLESS the temp credits OTHER CREDITS DID NOT APPLY ) ** Either statement is not TRUTH IN THIS LENDING or the credits WERE NOT APPLIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: State Home Mortgage
State: GA

Complaint narrative:
My mortgage was paid off XX/XX/XXXX, yet State Home Mortgage/ XXXX XXXX XXXX XXXX held my check and didn't report my payment until XX/XX/XXXX and erroneously reported me late with the credit bureaus. ( I have proof and can provide upon requests ) Additionally, during the process along the way I have documented proof of contact with several employees from this company that was communicating either with myself and/or the closing Attorney leading up to the payment being made. ( I can provide that proof upon request ) When I first discovered this error I made numerous attempts to contact them both via phone and e-mail. My e-mails, voicemails and phone calls were ignored and never returned. ( I have proof and dates, can provided upon request ) After I was being ignored by way of no return calls and/or e-mails I submitted a complaint with CFPB ( previous complaint number XXXX-XXXX ) CFPB made numerous attempts to contact State Home Mortgage and over 30 days later still no communication. ( I even have proof of a letter I received from CFPB stating how unacceptable it was that neither of us hadn't heard anything from this company and that I had to wait that long. By late XX/XX/XXXX I got a credit alert that State Home Mortgage had finally reported the mortgage as paid off. 
However, State Home Mortgage/ XXXX  XXXX XXXX XXXX is still fraudulently reporting me late for 6 months on my credit reports. Additionally, I was owed a balance from funds in my escrow, and they have illegally retained those funds. This is my last effort to resolve this matter with this creditor, before I seek other legal options. 
What they've done to me is illegal and atrocious. They delayed updating my mortgage to show my loan paid off. They didn't respond to my attempts to contact them for over 90 days, and they didn't respond to CFPB for over 30 days involving my ( previous case XXXX-XXXX  ) Once they finally reported the loan as being paid off after over 6 months, again no one tried to return my calls nor e-mails to discuss what was the cause for the delay. Additionally, they have illegally retain my rightfully owed funds from my escrow. This is fraud and I want an example to made out of everyone who was involved. This has not only affected my credit, but it also has affected my life.

Company response to consumer: Closed with explanation