vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was restricted in XXXX and they told me at that time bank determined to end relationships with you, i had one checking account and 2 savings accounts tied to my account, all my tax refund money as well as my wife 's was in those accounts, CHASE bank has yet to send me a cashiers check for remaining balances in my account been over three weeks and nothing, tried calling on multiple occasions and noone cant see any info or notes, need all my remaining money asap. Thats why im filing a complaint towards the bank to recive my cashiers check for remaining funds in my account!!!!! now were in XXXX and still nothing need you to forward this immediately to J.P Morgan Chase Bank N.A please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have Amazon visa  card with Chase. they did not send a bill for the month of XXXX. consequently, I did not pay it. when I realized the mistake they made, I contacted them on Friday, XX/XX/XXXX. I was told my late charges would be removed, but the over {$70.00} interest would not. I have not received a bill for XXXX either, and their customer service is not longer available. I have spent hours trying to contact them. The late charges have not been returned, even after I paid the bill I don't know how much I should pay or what my full bill is for XXXX. I pay my full bill every moth and have never been late. I am not in any financial difficulty.

I fear the covid19 pandemic is being used by Chase as an excuse to profit and obtain high late charges from customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2020 capital one restricted my account stating that I need to submit a SSA form. I complied and submitted a form. I was told they would reach out with an update within 7-10 business days. They never reached out. I contacted them and they stated that I need a SSA form from the AU on my account. I stated to them that to my knowledge I have no AU on my account and maybe someone might have had access to my account and I was not made aware. They did not seem to care and insisted that if I dont have an AU I need to submit a copy of my own social and drivers license. I submitted a copy of my drivers license and social. They did not contact me yet once again I contacted them and they stated they are waiting for a response from the case owner. The case owner in this matter has never once reached out to me regarding this matter. I contacted them a few days later and they said that although I submitted all documents required it does not matter and I have to somehow submit documents for an AU that I was never aware of. I was recently laid off due to COVID-19 and now I have two restricted credit cards that I am being restricted from using when I have done all the due diligence has a costumer and I also have to continue paying for these credit cards. It seems like no one has the answers to resolving this matter and this is really becoming frustrated and emotionally draining during these trying times. Its clear I might have been a victim of fraud somehow I am being treated otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.

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 2020-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We were with XXXX XXXX XXXX  and started to refinance through them. They were pushing our closing date giving us different excuses. They then said they were short handed. They started XX/XX/XXXX the process and in XX/XX/XXXX we decided to change to a new company to refinance as it was taking too long. We started the process with XXXX XXXX XXXX end of a XXXX beginning of XXXX. XXXX XXXX XXXX  were taking a long time to send the information required and did not release the appraisal. While in the middle of everything we received a letter from Freedom Mortgage saying they were sold out loan by XXXX. Now we could not complete the refinance with XXXX XXXX XXXX as Freedom Mortgage had to get everything in their system. We started to request payoff paperwork since XX/XX/XXXX from Freedom Mortgage. My wife called 2 times between XX/XX/XXXX and XXXX and was told it would be sent. My wife called Freedom again the next week. I called on the XXXX of XXXX and told it would be sent. Meanwhile XXXX XXXX XXXX had sent request by fax to Freedom during the month of XXXX. I called again XX/XX/XXXX and was told it was faxed already to the number on a fax from XXXX XXXX they received on XX/XX/XXXX. But it was not faxed nor e-mailed to the numbers and e-mail I requested. I was told it would be sent the next day on the XXXX. It was not so I called again on the XXXX and I was told it was escalated and it would be e-mailed and faxed on the XXXX a Saturday and it was not. I called on Saturday the XXXX and I was told the system showed it would be sent on the XXXX. I told them what was happening and they told me to call again Monday morning. I called this morning the XXXX of XXXX and was told it was going to be e-mailed and faxed tomorrow the XXXX as it was in their system. I told them that I have been told this for weeks and given different dates every time I called. I had to pay for an extension to XXXX XXXX XXXX  for this and this has delayed my closing. Today I asked to speak with a manager and Freedom out me on hold for over 30 minutes. They came back and told me it was finally e-mailed. I did receive the payoff information finally after speaking with them for a month.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with Wells Fargo requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Jpmcb Card XXXX, DE XXXX ( XXXX ) XXXX I was logged in to my Online Business Checking Account when i thought it was an Pre-Approval Process to get a Chase Business Credit Card Not A Hard Inquiry Which ended up to be a Hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: AL

Complaint narrative:
XXXX Cash America Pawn i pawned 3 diamond rings in XX/XX/XXXX on XX/XX/XXXX at XXXX i went back to redeem with cash only 1 ring # XXXX was my actual ring I redeemed it the other 2 ring # XXXX, ring # XXXX was NOT mine i called XXXX  XXXX  XX/XX/XXXX at XXXX to complain i was told not to call the police someone would contact me right away.. No one did..on XX/XX/XXXX at XXXX i called XXXX  XXXX  & was told my case was  closed I said no way reopen it on XX/XX/XXXX I sent 2 demand letters for a Refund to XXXX & XXXX  XXXX giving them til XX/XX/XXXX to reply.. No Reply.. on XX/XX/XXXX XXXX i called XXXX  XXXX several times i was told they did not have to answer " a cilivan '' and stop calling them or they would block me and they DID BLOCK my number from their 800 # Cust Serv and 800 # XXXX  XXXX i have stock in this company and this is how I have been ripped off of original property and my money paid to them cash with 44+ receipts and all paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I made a purchase in XXXX of 2019 of {$20000.00}. This came out of my Home Equity Line of credit from my account at XXXX XXXX. It was marked as paid with my American Express Credit card. Then in XXXX of 2019 my Home Equity line of Credit was charged another {$20000.00}. I question XXXX  and XXXX   asked the money be returned to my account. The money was returned. My American Express Card was charged {$20000.00}. I did not charge another {$20000.00}. American Express says there charged me because the XXXX took the money back. I went to the bank and found that the same check that was charged for the {$20000.00} in XXXX was again charge in XXXX. I have copy 's of the same check American Express use both times and the second the the check was used there are mark indication it is a copy. I have contacted American Express on numerous occasions never getting the same persons and they just reopen another investigation. I have automatic deduction from my American Express card. I get notices that I am overdrawn. This is hurting my Credit Score. American Express has not helped me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I disputed accounts online with TransUnion. Todays date is XX/XX/2020 and I have not received a response. They are in fact past the 30 limit according to the FCRA. These accounts must be removed.

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've bean making payments in advance to my credit card I've made 4 payments to my capital one secured credit card the limit of my credit is XXXX and I've bean monitoring my transactions The negative is my payment which show in my balance before I spent over XXXX dollars I added XXXX which showed negative XXXX and became my balance besides the XXXX I put there first making XXXX in my balance XXXX minimum down to recieve the credit is not shown on the ballance but the XXXX I placed was I spent before putting in a payment of XXXX dollars XXXX $ and that was my XXXX payment my first was XXXX the next was XXXX and after that was XXXX the last was XXXX Before that posted XXXX is what I counted in spending with my transaction history XXXX plus XXXX added to XXXX is XXXX When subtracted from XXXX Its XXXX My money is being laundered After paying off my credit line Of XXXX I should have another XXXX available even though XXXX is positive spending I should've had at least XXXX in credit available but instead my credit was XXXX And it became XXXX when XXXX dollars were processed. 

Which looks acceptable because I spent it But it should have bean added to the XXXX dollars owed in credit All my early payments left a prompt of no payments due And that XXXX dollars should've been added to what I spent in credit before I spent it again Towards me paying off my credit to spend it again XXXX not given in credit or used in my cash advance is missing and I have documents to prove it I'm being told that my balance is what I owe when it's only a portion of what I've put into my account I know my transaction history is what I owe I have no interest rates because I've never bean late on payments This fits with an article sent by the doj it's called holding financial institutions accountable for fraud I'm missing XXXX in credit I should only owe XXXX dollars I've paid in total XXXX None of it is due my credit should be XXXX $ in total and its construed as exceeding my credit limit Which concerns me with the financial/mathematical capabilities of the operaters as well as reading and language skills Also XXXX XXXX concerns me those recieving XXXX XXXX XXXX should operate If it's not a scheme its completely oversighted due to its benefits and if it is the doj state that it's the same Being XXXX  challenged means a relentless XXXX  to try and perform XXXX  when its a war already lost The persistence is tiresome

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I called penny mac usa Twice about this. 

I changed my payment account to savings ( instead of checking ) The payment was still withdrawn from checking even though I modified payment week in advance. This caused overdraft and payment wasn't applied Tried calling 2 times about this. Even escalated to management. Worried about fees/impacted score but the Company was too incompetent to rectify their mistake on the phone. 

Looking at legal options to formally notify them and have someone competent fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

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 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX XXXX XXXX i had account # XXXX been paying for 2 years plus, which was for my debt with XXXX credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of XXXX and below says for XXXX XXXX  XXXX XXXX.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the XXXX. XXXX XXXX XXXX put those checks in. It should be applied for this account XXXX. And basically that is the complain to XXXX. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my Experian report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.

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 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is creating an improper and unlawful restrictions on PPP loans originally refused to accept PPP loan applications unless the small business is an active borrower with BOA. After the filing of the lawsuit, BOA has amended its policy and now illegally bars PPP loans to depository-only clients who have a credit card or loan with another bank. BOA is thus unlawfully prioritizing existing customers who are active borrowers of BOA as of XX/XX/2020 or have no credit cards or debt with any other financial institution. 
I tried to apply for the Paycheck Protection Plan and according to Bank of America, my small business is not elegible because it has an XXXX XXXX business credit card I feel discriminated because this is a restriction that does not in the CARES ACT

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

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