vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase credit cards allows an application but upon denial of the credit card application that a persons credit card score can be dropped if the reasoning is due to a flag that tries to blame the credit card applicant. 

I received the denials and this is not due to my fault but only due to Chase failing to recognize why the credit card is being denied is not the fault of my credit but the fault that they could not recognize I already have open accounts with Chase and can not open a new account until a certain period of time. I believe Chase wrongfully denied my credit card application as a hard crash to my credit score and I believe any denial of credit is only due to something unrelated to my credit score as to have already been a customer. I do not mind if the credit card is not allowed but this should not be influencing my credit card score as if I did something wrong for being a chase customer for which I closed my previous credit cards to open new credit cards where the promotional credit card is only allowed to new customers more so but should not be denying myself as to influence my credit score as if I have bad credit. This is a mistake of chase and I would like Chase to admit that the credit card application wrongfully submitted a hard denial rather than a soft denial and should let XXXX know that the credit score should not be harmed and that the denial is only due to the promotional accounts for new customers for which I am not a new customer and have good credit. The denial of the credit card is not a fault of the applicant thus Chase should acknowledge this and let XXXX know that there is a systematic fault triggered on older customers as to only allow new customers new credit cards where the older customer is denied credit only because one already has a Chase Credit Card. 

Please allow Chase and XXXX to fix my credit Score due to Chase is incorrectly passing information with XXXX as if promotional credit card denials is the fault of the Applicant as to showcase a drop in credit score after applying when this should only happen if I have bad credit but not because of promotional dealings where I can reapply later on after the promotional period allows the older customer into the new deal of promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
There is a posted transaction on my account for {$220.00} on XX/XX/year> however I sent that money on XX/XX/year> to someone who I met on XXXX who was planning on doing my eyelash extensions. She had me send a deposit of XXXX $ that would hold my appointment with her and towards materials with my full price being XXXX. After sending my deposit of {$220.00} she then blocks me from contacting her further when I try to message her about my appointment I am no longer able to contact her. I used my boyfriends account to reach her and she blocks me on his page as well. I was charged XXXX without receiving any services that was promised. This lady scammed me and took my money and now theres no way to get my money back according to XXXX even though I paid using my debit card.

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 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Info on parties involved : XXXX XXXX Mortgage servicer until XX/XX/XXXX XXXX XXXX XXXX New mortgage servicer ) as of or around XX/XX/XXXX Universal Property and Casualty ( Insurance provider ). 

XXXX XXXX ( New Insurance provider ). 

Informed in XXXX XX/XX/XXXX my mortgage going up $ XXXX after XXXX XXXX XXXX XXXX in XX/XX/XXXX. Informed Escrow balance was short. 
Called XXXX XXXX XX/XX/XXXX to ask why it was short. Insurance and property taxes were similar to prior year.After escalating call to Manager she said she would send me XXXX Yrs of mortgage records going back to XXXX. 
I received records on XX/XX/XXXX and looked at records. I found in XXXX that XXXX paid XXXX insurance twice, once on XX/XX/XXXX in the amount of {$3600.00} to XXXX XXXX and on XX/XX/XXXX in the amount of {$2500.00} to XXXX XXXX. 
I called Mr. Cooper customer service shortly after finding error. The call became a XXXX Way with myself XXXX and XXXX XXXX XXXX XXXX said they would do nothing since they said i never called to cancel. I said i did. I then asked rep for Mr. Cooper how this happened. No explanation and no responsibility taken. I asked Mr. Cooper rep " Isn't there a red flag that goes up if something like this happens? '' No response. Call ends after I realize nothing is going to be resolved at this juncture. 
The policies are both active between XX/XX/XXXX until XX/XX/XXXX. Escrow analysis done in XX/XX/XXXX by Mr Cooper causes increase to mortgage of around $ XXXX {$30.00} per month. To me nothing to look at in detail since taxes and insurance went up slightly. 
When XX/XX/XXXX XXXX analysis was done seeing that i paid approximately {$3500.00} more out of escrow account should have resulted in a much higher mortgage increase for XXXX. If this had happened i could have at least recovered some of the money. 
Mr Cooper should have seen in there records when doing analysis in XX/XX/XXXX of the payment error. but there should be protocols in place when double payment was made in XXXX of XXXX. Should have triggered some action. We are in the computer age and cant understand how 2 payments can be made in 10 days and noone noticed. 
Also talked to broker who handled Universal policy to try to have policy refunded.Universal said No, that Declaration pages of other coverage was not adequate and would need some electronic signature dated for that time to refund money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I took out a pay in installments loan via paypal for an item I purchased, and then returned, to XXXX. 
The item has long since been returned without issue to the seller. 
However, the " XXXX XXXX XXXX '' at paypal can't, or won't, figure out that they are continuing to illegally access my account and steal money from me when I have emails and letters stating I don't owe any money for an item that has been RETURNED over a month ago!! 
This is total incompetence, but more than likely just bad faith, from the XXXX XXXX XXXX, and they need to immediately cease and desist from illegally accessing my account and stealing my money. 
paypal themselves have sent me an email that I returned the item and owe nothing- yet they continue to rob me. 
I also opened a dispute with my bank who was in contact with the idiots at paypal and paypal once again stated to my bank that I was not required to pay for an item THAT HAD ALREADY BEEN RETURNED!! 
I don't even have the item anymore - yet paypal just keeps charging my card - double by the way! 
They literally charged me double. 
I am writing to the DOJ about this again, and letting them know XXXX XXXX XXXX are continuing to access my bank account and steal from me even though I have emails from paypal stating the item was returned and I owe nothing, plus the letter from my bank where you state I owe nothing. 
I would also like to note that the seller reached out to me yesterday stating he was charged over {$60.00} because I returned the item and XXXX hit him with crazy fees that didn't apply to the situation. 
All of this screams FRAUD!

There is zero reason why XXXX should be charging this seller fees because I returned an item. He is not happy about this which is why he reached out. 
They charged him a " charge back fee '' and stated it was because I " changed the reason of my return ''. 
I never changed the reason of my return- the XXXX XXXXXXXX XXXX XXXX did that- which then caused the seller to get charged a fee. 
I told him to write to the DOJ too. 
All of the attached documents lay out exactly what I have stated. 
This issue was closed by my bank after they spoke to paypal yet I'm still being robbed. 
CFPB - you need to address that paypal and XXXX are both conspiring together to defraud customers. These pay in installment loans must end if this is how paypal runs a business. They can not continue to offer this scam service when all they are doing is stealing from people and acting in 100 % bad faith when the customer tries to dispute an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a payment on my XXXX XXXX credit card of {$850.00} XXXX has my money but won't release it until 17 days from now, on XX/XX/XXXX. 
I asked why. They gave me no reason. 

I said, " so, you penalize people who pay their bills. '' The rep said no they don't, but that is EXACTLY what they are doing. 

My credit limit is {$900.00}. I need the {$850.00} to pay my internet bill and my cell phone.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I entered Citibank for routine bank services which XXXX has provided for me many times in the past, and was turned away by two employees at two separate banches. These employees behaved in an unprofessional manner. The staff and bank branches are as follows : XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NY XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Songwriters recieving royalties from overseas, who wish to avoid being taxed in the XXXX, and then taxed again when their royalties are sent to the US, are required to submit forms stamped by their bank, so their royalties can be processed. A long-standing tax treaty exists between XXXX countries and the US to allow songwriters to be exempted from being double-taxed on royalties. Banks are required by law to provide this service upon request of their clients, provided the forms are in order and the customer is a XXXX citizen, such as myself. 

Despite Citibank stamping my forms as recently as XXXX, not a single individual I spoke with would provide me with this routine service. Customer service was also an absolute dead end, and when I resorted to sending the forms to the fax number of the branches, connections were abruptly terminated and I recieved XXXX replies. 

It is illegal to withhold services from a customer for no reason. This service is not granted as some kind of courtesy from the bank, but is an integral part of commercial banking. 

Both employees seemed to lack training in how to handle this basic request, would not complete the task themselves, and could not find anyone else to assist me, neither via phone nor at the branch itself. I was treated dismissively, and was forced to return home with no resolution, missing the deadline to submit my forms. All messages I left subsequently, requesting assistance, went unanswered. 

After reading thousands of complaints against Citibank, my household began moving the bulk of our modest deposits to another bank. This last disgraceful incident indicates we were right to do so. To treat a customer like a criminal trying to pull a scam, when they are trying to conduct completely ligitimate business, displays extreme prejudice to creative professionals struggling to make ends meet. 

I must now wait till the next royalty distribution to try again, but I don't believe Citibank will respond and I am hesitant to make the 4 hour round trip into XXXX only to be turned away again.

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 2024-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the student loan balance of {$8700.00}, which was disbursed on XX/XX/year> ( {$6400.00} ). I withdrew from the course and never accepted the loan. The loan was sent directly to the school, and I did not receive any amount or benefit from it. 

Furthermore, I believe this loan should have been forgiven under the COVID-19 Act. I respectfully request that you take immediate action to correct this error and forgive the loan in its entirety.

I would like to bring to your attention that this account has a negative remark on my credit report, which is affecting my credit score. I respectfully request that you close this account on my three credit reports ( XXXX, Experian, and XXXX ) and remove any negative information related to this loan. 

Please investigate this matter and take the necessary steps to resolve this dispute. I would appreciate a written response within 30 days, confirming the actions taken to correct this error. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company has repeatedly contacted me through calls, emails and spam text messages. Date of reported debt is not accurate and companys continues to sell the debt and have multiple companies contacting me. I have attempted to contact the company to cease the calls to no avail. On top of the harassment, they constantly report inaccurate dates and insane amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of Identity theft and have requested an investigation from the credit bureaus. As part of my request, I provided a copy of my Identity theft report with proof of Idenity... ( ID and SSN Card ). I also requested a fraud alert be placed on my credit profile as well as the removal of the fraudulent accounts and any addresses associated with the fraudulent accounts. The bureaus have responded by asking for more verification which I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continues to report an account listed as XXXX XXXX incorrectly. There are several late payments that are not accurate. I have previously disputed these late payments and Equifax claimed to have verified this information I am requesting the method of verification in which it was verified. This is my final attempt at resolving this without legal action. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I set up an account. I make 6 figures. They arent verified with XXXX My company had to send a paper check. Once the check deposits and clears XXXX can start. Sofi put a XXXX weekly limit and 1000 monthly limit on deposits. i reached out via chat, cant do anything. i reached out via phone cant do anything. they actually suggested I have my employer run a special payroll to split it into {$500.00} incrementchecks and wait months to be fully paid. i requested a supervisor and held for half an hour before being disconnected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I signed up for a subscription online using the company XXXX to pay in monthly installments in XXXX XXXX I did not want or use the product past the promotional period and the original company would not allow a refund. XXXX reported a late payment past 30 days in XX/XX/year> to Experian. When I disputed the inaccurate credit report of 30 days late the company claimed it was accurate but provided no evidence. The line is paid in full. Since XXXX has not proven in writing the late payment the FCRA requires them to remove the reporting.

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 2024-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
5 days ago, I received a letter from a travel agency in XXXX DE ( see attachment ) that informed me that the {$20.00} check that I had sent them on XX/XX/year>, was denied for insufficient funds. This came as a surprise/shock to me, and I immediately called the XXXX office to apologize. I ended up paying the bill with a credit card and XXXX charged me a {$20.00} penalty for the 'bad ' check. 

Of course, I called Citi at XXXX and after a prolonged investigation, I was told that the check was rejected because Citi no longer allows checks to be written from my savings account ending in XXXX. For the past XXXX years, the account was classified as a Money Market account and I have written hundreds of checks from this account. 

It seems that, recently, Citi unilaterally changed the account from Money Market to Savings account, and invalidated all checks. I was never informed of this change, or at least, I wasn't aware that I could not write checks anymore. When this check was presented to Citi on two occasions, why didnt Citi at least call or communicate with me about the problem? They send me promotional material, but did not communicate with me on an important matter relating to a change in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation