vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2024 - called bank to dispute charge on my wife 's debit card ending in XXXX. XXXX informed me the only way to dispute it was to file a fraudulent claim and cancel the card. We did and I paid for expedited 2-day replacement. 
XX/XX/2024 - went to local branch to withdraw money and found out my debit card was not working. Was informed that my debit card ending in XXXX was also cancelled by mistake. We were left we no access to funds for the weekend. I was understandably upset and was told by the branch workers there was nothing they could do other than file a complaint about the situation and that I had miscommunicated to the representative on theXXXX. They told me I was responsible for both cards being cancelled. NO POSSIBLE. 
XX/XX/2024 - received replacement card for XXXX ( which was not supposed to have been cancelled ) - replacement for my wife 's ending in XXXX not rec 'd. 
XX/XX/2024 Wife sent an email to our account rep at the bank inquiring as to the status of her replacement card. 
XX/XX/2024 Branch worker ( XXXX ) client my wife in an agitated and threatening manner, essentially yelling at her. In the end we were told her card was sent on the XXXX and to be patient. 
XX/XX/2024 Wife emails branch asking for status. No response. 
XX/XX/2024 My daughter, my son and myself all get emails the due to suspected fraud that the bank was restricting their respective checking accounts and my checking savings and business account - none of which had fraud. We were told that if we didn't contact the bank they might close the accounts. My daughter went to her Branch in XXXX and she was told they bank was terminating its relationship with her father ( XXXX XXXX and since his name was on her checking account that it was being terminated as well as her savings account ( in her name only ) and that the assets in those account were frozen and refused access. I was told the same thing at the XXXX nj branch and when i demanded to withdraw all my money I was told the account was frozen and would be disbursed to me thru a check at the close of business. The branch also had called the police and said i was harassing the branch personnel. Based upon the distorted story of the prior week in the branch I recorded the interaction on video inside the bank. In the parking lot I was detained by the police as a result of the harassment call. I played the video to the officer and he acknowledged that there was absolutely no harassment and that under the circumstances was very calm. 
XX/XX/2024 after leaving the bank i called the complaint department at chase and was informed that there was a restriction on my account and no one in any department of the bank would speak to me and no one would be able to tell me when i would have access to my funds on any of the XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
This debt was originally a XXXX store card from back in XXXX. Portfolio Recovery Associates, told me they purchased the debt in XX/XX/XXXX. At that time I have made payments over the years in an attempt to try to pay off the debt because 90 % of the debt did not come from purchases but interest on late fees. I told them at the time I called them for a resolution I was on a low fixed income and I could send {$25.00} per month and I have consistently too over the years. This debt is over XXXX XXXX XXXX and should not be on my credit report and account should be closed. It is now XXXX and I'm still being asked to paying this off for something that should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
This nightmare with Qualia Collection Services started approximately XX/XX/26 with an individual named XXXX. From the time XXXX got on the phone she was extremely rude and aggressive about a debt I owe for a recent vehicle purchase. XXXX cursed, used abusive language and threatened to ruin my credit if I could not pay my debt in full immediately and repeatedly belittled and mocked my voice while speaking to me. She hurled insults at me telling me i shouldn't have purchased my car if i know I don't have money and just kept going relentlessly. I hung up on her and called back and then spoke to another individual named XXXX I asked for a supervisor and he told me I could not speak to anyone else besides XXXX as she is the only supervisor. He then also threatened me telling me that because the check i wrote had been returned by the bank that I had committed fraud and it was a felony and I should be charged. I informed him several times of the extenuating circumstance that caused this ( funeral expenses ) and he said that it was not his problem and they are not required to make exceptions. I repeatedly asked for options for payment arrangements and such and he said they are not obligated to assist me and also repeated XXXX 's statement that if I have time to drive i should go find money to pay my bills. He then threatened that if I cant find the money in 48 hours I would face consequences that are at the discretion of the delinquency team and would not specify what those were only told me that if I dont pay I will find out as XXXX has already referred me to them. I also got another call from XXXX and this time he repeatedly asked about my daughter. My daughters name is listed on the check I originally wrote as a death beneficiary and this is clearly stated in black and white I asked him repeatedly to stop mentioning her and he refused. He asked her age, her whereabouts and personal info almost as if to taunt me. He also said as long as she isnt a minor he wont stop mentioning her. This literally went on for almost 10 minutes he kept mimicking her name saying it over and over even told me his age and if she isnt a minor there is nothing I could do about him talking about her. He informed me he looked up her age and saw she is XXXX so he is free to discuss anything regarding her information. My daughter is not now nor ever has been listed on this debt in any way not a guarantor or cosigner. He then went further to ask about my mother this is beyond outrageous that these people are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2023, I was hired by XXXX XXXX of XXXX XXXX, that offer was rescinded two days before my start date. I came to find out that my report was indicating erroneous information that does not pertain to me. I lost an amazing opportunity. I need to have this information removed. My efforts were not successful with Transunion or other agencies. This matter is impacting my ability to become employed at the level that I need to in order to sustain my family, I am a single parent and am the sole provider for my son and I. This is a very serious issue impacting me as a consumer and job applicant.

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 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have a mortgage with Freedom Mortgage, and until XX/XX/2024 my payment remained at XXXX, now in XXXX it went up to XXXX without prior notice and when I call fredomn morgatge they say that the escrow went up, but without any other response. 


My home XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have inquires on my report that do not belong to me.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was proactive in getting everything ready for student loans. I linked my tax information, I filled out the application and I followed up with Nelnet to confirm I was set. They said yes. Then they inform me my payments will be over {$500.00} because my application was completed so I did it again. I waited and checked again to find it still was {$500.00}. I called and they said I need to fill out the application again. So I did. I explained I couldnt afford {$500.00} each month and they said we can set it to I think {$250.00} and I agreed. They then apparently put me on forbearance while they fixed the issue and put me on the SAVE plan. For two months my payments were {$5.00} and then I had a payment of {$210.00} so I thought they fixed it. I discovered this week they pulled {$710.00} out of my account. Theyre saying its because I was on forbearance and that not all my loans were consolidated so I didnt have all loans on SAVE plan. I had to pay my bank {$30.00} to cancel the payment and now my student loan account shows Im {$1400.00} past due. I called again today and they said itll take 30-60 days for this to be resolved. So I asked if theyd then be taking another {$700.00} out of my account and they informed me that the only way to prevent it is to go on forbearance again. This is affecting my physical well-being, mental and financial. I have done everything in my power to set this right and Im getting penalized. I tried speaking to a supervisor but they told me Id have to wait on hold for an hour. I have no control of this situation and Im doing all I can to make things right. They are negligent in their duties and theres no accountability. Ive also received no correspondence from them as to what they are doing to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CMG Financial Services, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX I called CMG mortgage to find out why I was being reported late during the months of XXXX XXXX to XXXX when I was on a payment plan and all of my payments were being made on time. I have documentation from them showing I was not charged a late fee from XX/XX/XXXX forward. According to my credit report I have been reported late by CMG from XXXX of XXXX to XXXX of XXXX. I called again in the middle of XXXX of XXXX to have this corrected and dispute this information. On XX/XX/XXXX I contacted someone at CMG and they told me all the late fees have been corrected I have not been reported late at all and I will have a letter from CMG stating the status of my credit reporting. On on XX/XX/XXXX I received the letter, according to the letter their reporting was accurate and no changes were going to be made. I called back on XX/XX/XXXX and was told there was nobody available to handle this situation and that somebody would call me back by end of day. 

This reporting has prevented multiple loans being approved including a vehicle loan and mortgage refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Comerica
State: NJ

Complaint narrative:
On or about over three ( 3 ) years ago tried to withdraw money from my debit card, file complaint with the DIRECTEXCPRESS, but they said that three was fraud and can not discuss anything with me. I kept calling them, and they kept me going to multiple people at their company, and never refunded my money. This money supposed to be my Social Security> I complain to social security, but they said that was a problem that DIRECTEXPRESS must resolve. I sent multiple letters to them, and they continue no to solve my issue. I believe they owe me over {$14000.00} and they do not release it. My Direct Express car # is XXXX XXXX XXXX XXXX. They do not permit me to get a new PIN Number. This issue being going on for three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The name of the company is Portfolio Recovery Associates LLC the date on the bill is XX/XX/XXXX. Portfolio put a lien on my dad 's home. When my dad died in XXXX the lawyer had to pay Portfolio Recovery Associates to get the lien taking off my father 's house so we could sell it. Now Portfolio Recovery Associates LLC has sent the bill to another collection agency XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit 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: NC

Complaint narrative:
Chase continues to violate the SAPPHIRE Preferred credit card agreement between myself and themselves and provide the promised credit from an defective merchandise transaction using the chase card, that CHASE failed to follow-up on and provide resolution. 

Chase bank is negligent/fraudulent on lack of following established banking procedures to assist in resolving a report transaction dispute totaling {$200.00}. 
I report this issue to the disputes dept in XX/XX/2023, chase repeatedly promised me assistance and a credit for this transaction, and negativity impacted myself financially. 

The dispute resolution dept and supervisor informed me they " dropped the ball '' and did not follow-up correctly on this reported transaction. Chase offered me a " credit due to this chase mistake, which still after 2 weeks has not happened or been credit. 
Chase is very disorganized and not adhering to established Customer service SLA and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: InvestiNet LLC
State: VA

Complaint narrative:
The name of the company is XXXX XXXX XXXX XXXX the date on the bill is XX/XX/XXXX. XXXX put a lien on my dad 's home. When my dad XXXX  in XXXX the lawyer had to pay XXXX XXXX XXXX to get the lien taking off my father 's house so we could sell it. Now XXXX XXXX XXXX XXXX has sent the bill to another collection agency Investinet , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have hard inquiries on my credit reports ( XXXX currently that I can see ) from where someone has fraudulently applied for credit cards. To my knowledge at least XXXX cards have been issued and charged under my name between XX/XX/XXXX and XXXX XXXX XXXX. 
I have contacted the companies and reported it as fraud and they have closed the 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed an escrow refund was issued from the account and a significantly reduced escrow analysis was completed. 

Upon closer review Flagstar Mortgage had made no payments for XXXX  property taxes. Their new escrow analysis was also based around them paying no property taxes for XXXX  either. 

I am now delinquent on my property taxes as a result of Flagstar poor management of the escrow account. 

Despite contacting them 3 separate times they have made no payments on the outstanding tax balance and have provided no information on how this occured or why no progress has been made.

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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
My account was suspended for an unknown reason. I have not gotten the same answer from everybody I have been in communication with. My funds are frozen and can not be transferred to my bank. Nobody can get me in touch with somebody that can actually have a say in unlocking the account, they all just tell me that they see the information I have uploaded that they have requested, and give me a different, longer, turn around time to expect a decision to unlock my account. Some individuals have told me that I should have a response within a day, and then upon hearing nothing I get a response telling me that it'll be another XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name XXXX XXXX XXXX. I have no association or knowledge of who this person is or where this name came from. The information is not mine and is not related to me. 

Name reflects on credit as 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I was notified by the previous mortgage serviced that my mortgage was sold and would be transferred effective XX/XX/year>. I was told that I would receive a statement from the new company with the loan number. Ive been to the site servers times and tried to find the loan through my social security number and have been unable to. I also tried contacting the company and the phone number listed on the website is not in service. They claim to be XXXX accredited with an A+ but I am unable to get in contact with a company that I am attempting to make a payment to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i realized on XX/XX/XXXX that a withdrawal of {$10000.00} was made from my account in DT Bank to XXXX XXXX XXXX, so i called the bank to advice that this is not my credit card and this transaction is fraud, they gave me a run around for a few days until i went down to the bank myself and then they say that they are looking in to this no further information available at this time, it's a lot of money and they have the XXXX  account number that this payment was applied to so its no big deal to verify where the money went, i am helpless

Company response to consumer: Closed with monetary relief