vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This email was sent on XX/XX/XXXX to XXXX XXXX XXXX, CEO Consumer Banking XXXX XXXX XXXX, XXXX XXXX N.Y XXXX, XXXX I think it provides all the details of my complaint. 

I am writing to you about my problems trying to refinance my current home mortgage ( also with Chase ). You should know that I am a private client and have been with Chase for a number of years and have a respectable credit score. My application for the refi started in XXXX of 2020, and now almost six months later, it looks like it will be declined. During this process things seemed to change every week and additional information was constantly being asked for and I did send what was requested. In XXXX, the final straw was that my condo building did not have 100 % replacement for flood insurance ; my condo then increased the flood insurance to 80 % and not 100 % because doing 100 % would be at a prohibitive cost. I was then told that I could get flood insurance for my unit at 100 % by paying for it myself. 

My insurance agent thought it was ridiculous to get flood insurance for a unit on the 7th floor, even given the fact that the condo is located on Ocean side in XXXX, Fl. Additionally I was told that FEMA is not accepting applications for flood insurance at this time. 

I am now told by XXXX, XXXX ( XXXX, XXXX ) XXXX, that without the gap flood insurance coverage this loan will not be able to get approved. With my original mortgage there were some complications but I worked with one person and it was sorted out. I thought the refi. would be easy given my long history with Chase. It has not and I have had to be in touch with a number of Chase employees in addition to XXXX, including, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Lastly I should mention I was informed that I would go to Closing on XX/XX/2020 and then that was canceled and never rescheduled. 

In addition to XXXX telling me my application will be denied she also said it would be a few weeks for me to get my {$500.00} deposit refunded. Both are surprises to me and not what I would expect to happen to a Chase Private Client. 

I was hoping you could explain to me why all of this is happening to me and perhaps help to have my refi approved. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My bank ( PNC ) does not allow linking my account to XXXX for investment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a gift card with a {$97.00} balance. American Express sent me a letter asking that I fill out a form in order to get my balance refunded. 

This was over a year ago. Since then, I have tried every which way to get them to reimburse my funds. I have contacted them numerous times. I have filled out the forms they keep sending me ( they've now sent me 4 forms - the first 3 were the same one that I already filled in and the 4th was different ). 

It is clear this financial institution is not complying with the law. They are giving me an endless runaround, with the assumption that I'll get tired from it at some point and will just drop it. 

Please help me hold American Express accountable for their refusal to return my funds. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXX is trying to collect a monthly payment. I had the pay in advance account and the account was paid up when I terminated our agreement on the last day before renewal was to happen.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Freedom Mortgage Company
State: IL

Complaint narrative:
Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.

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 2020-07-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is happening with Equifax, 45 days ago I filed a dispute with Equifax on some hard inquiries. The very next day they dropped my credit score 64 points. It came up 28 points the next month. 18 days ago I filed a dispute with Equifax again over the same thing and they dropped my credit score 82 points the very next day. In both complaints it took approx 17 days to investigate. Why did my credit score drop the day after the dispute. I have tried multiple times to get thru to them with different phone number with negative results. My name is XXXX XXXX address is XXXX XXXX XXXX Ga XXXX phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Around late XXXX I began receiving calls from the Commercial Acceptance Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX regarding a medical debt I was not aware of. I called in and spoke with a representative XXXX XXXX XXXX about the debt. First, this representative did not do their do diligence to insure that they had properly identified who they were speaking with. They simply asked me, " Is this XXXX XXXX? '' Then upon me saying yes, he began to share information about the debt I owed without further confirmation that I was in fact XXXX XXXX. I informed him that I had recently been laid off due to the corona virus pandemic and asked for clarification about the debt. He began threatening me by stating that the debt had already been submitted to my credit report, and that I owed this balance to their client. I responded that I had not been to this provider in a while, he rudely quipped " well yeah, the balance is from 2018 so that would be a while. '' I then asked him for an itemized bill of the balance owed so that I could review it before payment. He then stated that it was not really his responsibility to due that as I should have received an explanation of benefits provided by my insurance company. He then said, " did you read the explanation of benefits they sent you? '' When I responded that I do not recall reading it he sarcastically replied, " so no, you did not read it. '' I then asked if he was refusing to reach out to his client and have them send me the itemized bill which he reluctantly agreed to do. Three months pass, and I receive a letter from XXXX XXXX with the itemized bill I requested prior. With the following text : " Pursuant to our recent conversation, please find enclosed copy of the above referenced Itemized Bill. Please be advised that this account is now in default, and that my client is demanding immediate payment of the full balance due. Payment should be made directly to this office if you wish to avoid additional collection activity. '' I contacted the client directly for clarification as XXXX XXXX sent me 3 years worth of billing statements from the client instead of just the relevant charges. I spoke with a representative at the provider who helped me comb through the charges, confirming that I had paid my co pay but other charges were assessed after the visit. She also noted that the " COLLECTION FEE '' of {$50.00} was incorrect as my balance was under a certain threshold and therefore I should have only been charged a {$25.00} collection fee. She updated the notes and balance on my account to reflect that. The Commercial Acceptance Company carelessly charged me double the correct collection fee stated by the clients own representative. Then tried to bully me into paying an incorrect balance without confirming the charges with the client first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
On XX/XX/2020, I went into debt consolidation with XXXX XXXX and Speedy Cash was listed as one of my creditors. Shortly after XX/XX/XXXX, Speedy Cash received a stop payment notification from the XXXX XXXX. My payments had stopped until today. 

Today, I had 5 withdrawals of {$74.00} and a pending withdrawal of another {$74.00} totaling {$440.00}. 

I contacted Speedy Cash twice by email and never received a response. So, I called them and spoke to a guy by the name XXXX ( if that was his real name ) to which he was being rude and kept telling me that they had never heard of XXXX XXXX that they had no record of any communication of a debt consolidator on my behalf. I argued how Speedy Cash would have known to do a stop payment if XXXX XXXX didn't contact them because I never requested this directly with Speedy Cash as I was instructed by XXXX XXXX to allow them to set everything up. He kept talking over me and telling me that they were authorized to make these withdrawals. 

I was then transferred to a manager, who did absolutely nothing but transfer me to a number that went to a voicemail. 

To argue that I was wrong that I had told them I was going into debt consolidation and that when they never heard back from XXXX XXXX ( the very group that XXXX stated that Speedy Cash never knew about ), they took it upon themselves to remove the stop payment and make the consecutive withdrawals. When I spoke to the manager, he stated that they had never reached out to XXXX XXXX regarding any settlements, but complained that XXXX XXXX had not reached out to them with a settlement offer. 

I don't understand how this negates a legal stop order of withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple Credit Card, using Goldman Sachs are asking for people to pay their debt and when the systems do not allow you to, they are directing you to a phone number that asks if you have been affected by Covid and want to delay payment press 1. If you want to continue, press 2.  Pressing 2 errors out and says the number isn't valid. I brought this to the attention of Goldman Sachs support person who would not address the issue. I was unable to pay with the card, because I had closed the account and deleted the app. In order to pay, the only option given was through the app or phone. Both systems down? This is not an accident, the largest tech company and one of the largest financial institutions are pushing people to claim clovid not to pay. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for a mortgage to pay off my ex wife for the condo we bought together at the end of XXXX and was dragged along until XXXX saying I was approved. I was charged over {$1000.00} in fees and then finally emailed I was declined because my condo hoa didnt pass final review.They were unprofessional and told me the fees can not be refunded. I feel extorted.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC
State: AZ

Complaint narrative:
Hello, Back in XXXX, I went to get a XXXX done on my teeth by XXXX XXXX XXXX. I was double covered with insurances at the time. XXXX   XXXX XXXX charged OVER the legal agreement with XXXX of XXXX ( XXXX ). They also charged for teeth j never received work on. They billed me for over {$6000.00} and said the insurance covered a little over {$3000.00}. After speaking to XXXX, they were never allowed to charge that much, nor would my out of pocket be that high, especially being double covered. Please check XXXX XXXX XXXX XXXX Utah reviews. They are continuously doing this! 

A year later ( XXXX ), they gave my debt to XXXX XXXX, who have been horrible. My balance started at {$2100.00} and is now {$5700.00}. I have let them know, that this is fraud and Im taking XXXX XXXX XXXX to court. I have asked MULTIPLE times for documents, which they refuse to provide. Please, also check XXXX XXXX XXXX XXXX UT reviews.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX, one week after I opened the account, the account was closed. I created a complaint with CFPB on XXXX, complaint number XXXX. This complaint resulted in Chase reopening my credit card with the same credit limit as originally issued. I felt satisfied with this response. 

However, ever since then, I believe that Chase is specifically targeting my account because IMMEDIATELY AFTER I make large payments to my account, they significantly lower my credit limit. I have not had any late payments to this account since it was opened, and I have no late payments on my credit report from any other accounts since XXXX, long before they approved to open my credit account in XXXX. Additionally, I have my deposit checking account with Chase, and they are able to verify my income to see that my income can support the credit limit for this and other accounts on my credit report. 

The action of lowering my credit report after large payments have been made are negatively affecting my credit score. I am making the large payments to the card to help decrease my utilization and increase my credit score. By constantly reducing my credit limit, I am unable to meet this goal. 

XX/XX/XXXX - Approved and opened account with {$8500.00} credit limit. 
XX/XX/XXXX - Closed account with no explanation. 
XXXX? XXXX - Re-opened account after CFPB complaint. 
XX/XX/XXXX - {$8700.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$8500.00} to {$4800.00}. 
XX/XX/XXXX - Decrease credit limit from {$4800.00} to {$4300.00}. 
XX/XX/XXXX - {$2000.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$4300.00} to {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : This is the appeal that I filed with the Office of the Comptroller of the Currency that I also want to share with your organization. 

I am filing my Tier Two Appeal for Case # XXXX because I need to clarify my situation. On XX/XX/2020, I transferred {$56000.00} from my XXXX XXXX account # XXXX to my suppler, XXXX XXXX Chase Account # XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. They tell me that it is up to Chase to give an explanation and cant help any further. 

A week ago, a XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case called me and told me that after 69 days, Chase was going to reissue a cashiers check to pay me but it was going to take another 90 days meaning I would not see my {$56000.00} bank in my account until XXXX because they lost the original cashiers check. 

You should know that I have my home mortgage with Chase and my XXXX  credit account has been with Chase for 20+ years. Im a loyal customer and being treated like this. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX  and laying off XXXX. 

Someone at OCC needs to contact XXXX XXXX, CEO,  XXXX, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX  and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX DRE # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my mortgage thru guaranteed Rate and made my first two mortgage payments to them ( XXXX & XXXX ), then NewRez purchased the loan and immediately stated I was behind in payments. I provided them the documentation of proof ( See attached files ), but they say their still looking into it four month later, and now are hitting me with late fees, and are threating to impact my credit and or take my house. I should not have to be intimidated, since I have completed all that is required from me. my loan # is XXXX with New Rez XXXX. 
I have called and spoke with them multiple times the last 4 months, and they keep saying they are looking into it. How long do I have to live under their threats and intimidation, and now " Late Fee 's ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I cash app money to Someone in the amou it {$82.00} dollars .Which was deducted from my bank account.. The person cash app was cancelled before receiving the money Which mean Cash was suppose return my money back to my bank and they never did and refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, Bank of America deducted {$1000.00} from checking account without any explanation. I called them and as usual no resolution that they will investigate. In the meantime they stole {$1000.00} and will only refund after I file a complaint with CFPB.

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