vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST REPUBLIC BANK
State: NY

Complaint narrative:
XX/XX/18 I recently tried to open a bank account at First Republic on XXXX XXXX and XXXX XXXX. The bank was suggested to me by a number of clients. I decided to inform myself about their services. The banker, XXXX XXXX, informed me about all the options. Since I travel frequently and have family aboard and conduct business in XXXX and XXXX XXXX. I was to by the banker that this was not a problem that the fees for wires would in fact be much lower than with other banks. XXXX XXXX emphasized how easy it is to work with FR internationally. I decided to open an account. I went home to get the required documents my passport, social security card as well as a check for {$40000.00} for the initial deposit only to be told on my returned to the bank that FR was not the right bank for me and that international transfers could not be made. I pointed out to that this was the exact opposite of what I was told before. After showing him a brochure he had given me 15 min. before about the options for international transfers the banker told me that there was another reason, nothing to do with my finances or my need to do international transfers. He referred me to the manager of the branch. I spoke to her about my conversation with XXXX XXXX. She said he did not know the details since he had not been working at the bank for long. I ask her why he said that there was another reason and was told : " We are not a good fit for you. '' I asked her to be more specific and she said : " I have nothing more to add. '' Since I do not recall any negative banking history I was perplexed. I can not help but understand the refusal to open an account as an act of personal discrimination against me. I would like to report this form of prejudicial and inequitable experience I have made with First Republic and their branch on XXXX XXXX. and be told why I was in fact denied to open an account and if the reason I was denied is in fact legal. 

Sincerely, 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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OK

Complaint narrative:
Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, an unauthorized user changed the password on my USAA online banking account. I was notified by USAA and changed the password online. On XX/XX/XXXX, there were unauthorized charges on my debit card made online. USAA issued me a new debit card but then froze my account ( no online access, no use of debit card, no auto payments ) for three business days starting on XX/XX/2018. By Friday, XX/XX/XXXX, I still did not have access to my accounts. The representatives told me it was because they couldn't reach anyone in the fraud department. It has been over a week since my account was frozen and I do not have access. USAA failed to upheld their end of the agreement to conduct an investigation in three business days and then unlock my account. As of right now, I still do not have access to pay monthly bills such as my mortgage and my cell phone bill. Both are normally deducted via autopay and USAA has locked my account. This will negatively affect my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. 

even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
I noticed Maury Cobb on my credit report for a collection i am disputing. I first called the law firm the week of XX/XX/2018. I was told my debt hasnt made it to an attorneys desk yet but will be if i didnt pay. the lady offered me XXXX to settle the alleged debt. 

i called today XX/XX/2018 to make the payment. I was told after i gave my credit card info that i will be charged a processing fee. i told the gentlemen i do not want to pay a processing fee. he goes on to tell me its going to affect my credit and will be going to one of the attorneys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank decided to close my XXXX XXXX card and XXXX  card on XX/XX/XXXX of XXXX. I did not receive any warning or consultation for this closure. I have made regular payments to the cards and was never delinquent. I called their customer service number and would not tell me why the account was closed. I was told to wait for a letter. A few weeks later I received the letter. The letter had a phone number for any questions. I called it and got the same blanket statements that I received from customer service initially. They proceeded to tell me that I could write or fax a concern and the executive office would respond. That simply hasn't happened. 

In early XXXX of XXXX, I applied for the XXXX card that Chase offered. I was approved and receive my card. However, a week or two later I received a letter stating that the card account was closed by Chase. I called the number on the letter and was not offered answers or even explanations. I was advised again to write a letter or send a fax. These actions by Chase have caused me to suffer harm to my credit and put into question my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX appears on my credit every other month for no reason and want to no why and the purpose.

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 2018-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I wanted to pay off my mortgage by XX/XX/18. Some of the payoff funds came from various XXXX XXXX Bill Pay payments. 

On XX/XX/18 I called PennyMac to find out what my payoff amount would be and I was given the amount and told I would need to send the final payment as a wire transfer. I made the wire transfer and assumed everything was fine. 

Unfortunately one of the XXXX XXXX Bill payments arrived on XX/XX/18 and they wouldn't take responsibility for any extra interest or MIP payments this caused. Although this seems to be in conflict with XXXX XXXXXXXX XXXX  Bill Pay Guarantee, I am not filing a complaint about it. 

My problem is that PennyMac says that my loan wasn't satisfied until XX/XX/18, an additional 8 days later, and sent me an escrow account overages check that is considerably less than it should be. When I asked for an accounting of my funds they said I needed to refer to their website loan account information. However, for the past month there has been so much confusion and misappropriation of my payments on their website that I do not trust their accounting. I imagine they expect me to just take them at their word that my refund is correct. I don't! 

I want a concise accounting of when they received my funds, what my funds were applied to and why they say my loan wasn't satisfied for an additional 8 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Keep getting calls from the company XXXX XXXX XXXX ( XXXX ). Spoke to them at least twice, the last time being yesterday on XX/XX/2018. Told them that the person they are trying to collect a debt from is not at my location or number. They informed me that they would remove my home telephone number ( XXXX ) XXXX from their calling list. As of this date, they have failed to do so and are repeatedly calling my home at least 3-5 times per week. I would appreciate anything that you can do to stop these harassing phone calls.

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 2018-08-31 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: TX

Complaint narrative:
inaccurate information being reported on report, FCRA, FTC AMD CRA violations accounts : XXXX I 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 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I called who I thought was PayPal and it was someone foreign who was asking me to purchase a XXXX card for my refund in paypal I asked several times to speak to a manager with no luck it just felt like I was talking to the same guy XXXX I finally got a hold of someone from PayPal who said this was my first call I canceled my credit card but, Im still worried. Thanks for your help. 

XX/XX/2018 @ XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over 30 years ago I opened an IRA with XXXX XXXX. XXXX XXXX was bought by XXXX who we eventually bought by Wells Fargo. 

Currently, I find my IRA is in a CD account earning 0.05 % interest. I have been attempting to transfer this to an IRA account at a different institution. 

I have made two attempts to transfer that money through that other institution. I wanted to do it directly to avoid any tax withholding. The first attempt was made through and account transfer form signed via DocuSign. When this attempt was made, Wells Fargo said they only take wet signed documents. So, we repeated the process with a wet signed account transfer form. Well Fargo then indicated that the money was tied up until XX/XX/XXXX. I'm guessing that's when the CD expires. 

I looked online and it appears the going rate for CD IRAs is around 3.0 % ( vs. 0.05 % ). And, not surprisingly, Well Fargo is making it difficult for me to get my money. It feels like a ploy to make me give up and just leave my money there. 

Wells Fargo has had the use of my money for the past 30+ years and clearly have no interest even in letting me have my deflated dollars back. 

I have made numerous calls both to customer support and to their IRA department.

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ( customer ) signed up for a checking account through Chase Bank to take advantage of one of their promotions. After having the account open for 8 months ( or longer ) I visited a local branch to see about getting some checks. Having difficulty verifying me as a current customer, the teller told me my account was closed. When I called Chase Bank customer service ( XXXX ) to discuss the issue, I was alerted my account was closed due to inactivity. I then spoke to personal banker at the branch who told me the same thing. I inquired if Chase Bank could furnish me with proof that I was alerted that the account was " IN DANGER '' of closing due to inactivity. Furthermore, I also asked if Chase Bank could furnish me with proof that I ( customer ) was alerted that the account was ACTUALLY " closed due to inactivity ''. No one at Chase Bank could furnish proof because I ( customer ) was NOT alerted in any way, shape, or form. I ( customer ) firmly believe this is an express violation of my rights as the account owner since I was NOT alerted of the account closure either before OR after. None of which took place! Please dont allow Chase Bank to hide behind verbiage like inactivity and hold them accountable for acting fraudulently and not in the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TX

Complaint narrative:
inaccurate information being reported on report, FCRA, FTC AMD CRA violations accounts : XXXX I 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 2018-08-31 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: TX

Complaint narrative:
inaccurate information being reported on report, FCRA, FTC AMD CRA violations accounts : XXXX I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Recieved a letter from this collection agency on XX/XX/18 regarding a phone bill debt that was already deleted and discharged by another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: FL

Complaint narrative:
Over the past 90 days I have been challenging the accuracy of the information provided by TransUnion with regard to my legal name change from XXXX XXXX XXXX ( adopted name ) to XXXX XXXX XXXX ( birth name ) I have provided them with numerous copies of the court order. Beyond this, we asked them to correct inaccuracies with their customer XXXX XXXX  with regard to our payment history and the status of our account. We were never late on any payments and it was included in our chapter XXXX bankruptcy but they refuse to make any changes. I have disputed this will all the major reporting companies but at this point we are at an impasse and I find it necessary to reach out to you and ask you for your assistance in this matter.

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 2018-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2018 I made a payment using a Capital One credit card to Patient Pay Services. This payment was for medical services rendered, but not yet billed to my insurance company. The total charge was {$1200.00}, but {$600.00} was paid using this capital one credit card. Shortly after I received confirmation the balance was paid in full, and given a Claim Recap from my insurance provider, stating that of the {$1200.00} billed, only {$33.00} would be my responsibility. After attempting for 2 months to procure a refund from Patient Pay services, I engaged the dispute team at Capital One. I submitted a formal request on XX/XX/2018 to request reimbursement. Initially, Capital One received my documentation, ignored it, and closed my case. After being notified of this, I contacted them and had the case reopened. After speaking with an agent in XX/XX/XXXX, I was informed one of my documents was incorrect. While speaking with the agent I uploaded the correct document. OnXX/XX/XXXX, I was notified with 2 letters using differing verbiage that my case was once again closed. When I spoke to an agent I received an apology and was told my case was open and being reviewed. Today, XX/XX/XXXX, I once again called and was told that my documentation, which clearly shows my benefits covering this charge, is not enough, and I must now procure additional documents to satisfy Supervisor XXXX, ID # XXXX, because she can not understand how to read a Claim Recap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been trying to save my home for years. It is up for foreclosure and I have not received a notification. I found out from a text from a foreclosure agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Was immediately contact by 3rd party agency last week on acct, advised on first call I want to work out arraignments and advised will not be on credit as long as arraignments are worked and and kept and not even one week later it is reporting on my credit as derogatory. This is misleading and unfair, do not tell me I can avoid having the derogatory when I am clearing working on a resolution then go an report the derogatory anyway. Unfair and unethical I am furious

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