vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX2021 I was paying my property taxes online for the XXXX of XXXX. I own two properties in the XXXX XXXX XXXX. 

While I was paying I mistyped the APN number to one of the properties, and made a payment on someone else 's property taxes. 

I immediately went to my local branch of Chase bank and placed a stop payment on this with the help of a bank employee. I was assured I got there fast enough and they would stop the payment. 

On XX/XX/XXXX I noticed the payment was " pending ''. I went back to the branch and was sent to a second branch to see the same employee that helped me initially. He completed a 2nd stop payment request and opened a claim. Again telling me that the payment would be cancelled with no problem, and the funds would not leave the account. 

The transaction has since been completed and the funds taken from my account. 

I issued two stop payments, made 7 visits to Chase bank, and made 3 phone calls to their claims line. 

They are claiming I took too long to issue the stop payment, despite being at their branch within 15 minutes of the online payment to the assessor being initiated. 
They have promised repeatedly someone will call me and rectify this problem, but no one has called, and the employees of the local branches say there is nothing else they personally can do to help, it has to come through their claims department who denied the claim. The branch employees say they have escalated higher internally but no one has responded too either of us. 

I have attached a copy of my banking history showing the payment was taken out, along with both stop payments I requested, XXXX and XX/XX/XXXX. Along with the receipt to the tax collector dated XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My Mortgage company ( SLS ) Specialized Loan Services incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least 10 occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from 2 credit agencies but they will not remove the false reporting from XXXX. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional 10 times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting XXXX to remove this false report with no explanation as to why they are disadvantaging me in this way.

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 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I filed complaint XXXX when I had a previous issue with my escrow account. As a result, my account was manually credited for property taxes that were paid when I requested that they not be paid and my escrow account was closed. Now, XXXX is subtracting that credit from the zero balance of the closed escrow account, resulting in a negative balance and an increase to my mortgage premium to cover that balance. I feel that it's pretty unethical to fix a problem that was a result of their error just to close out a complaint and then try to charge that amount back later.

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 2021-12-28 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: FL

Complaint narrative:
Second Dispute was submitted XX/XX/2021 for XXXX XXXX in the amount of {$3000.00} according to 18 USC 8, was then " verified '' XX/XX/2021 without providing notice or documentation used to " verify '' said debt. Transunion is also violating my consumer right to privacy according to 15 USC 1681b2 & 15 USC 1681 4. This should be promptly removed considering 15 USC 1681I 5ai : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-12-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Mortgage company ( SLS ) XXXX XXXX XXXX incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least XXXX occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from XXXX credit agencies but they will not remove the false reporting from Experian. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional XXXX times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting Experian to remove this false report with no explanation as to why they are disadvantaging me in this way.

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 2021-12-28 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: GA

Complaint narrative:
On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected 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 2021-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: IL

Complaint narrative:
i was granted by the XXXX County court, XXXX CO Magistrate the Guardianship and Conservatorship to my sister. i was already her POA i contacted the bank to get access to her account/s. i could only talk to the branch where she opened the account, which is very odd. 
after many calls and messages left to the branch manger, they called back confusion of what exactly they requested. Branch manager kept adding in more documentation. because i was out of state i was told i needed to come in person and have papers with. then because i was out of state i was told to have the POA checked by an attorney including a notarized letter stating they were not tampered with. ( i did ) I always had to call and see if the UPS was received with docs, only received XXXX calls. i called expedite team, i filled with the XXXX and because of a her going into the hospital the case was closed... it goes on and on here 's the problem with our financial institution. FDIC too how can they overrid branch manager could of emailed me a list instead of me trying to track her down for answers. 
..since XXXX of XXXXalways in a meeting, out of office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX phone number XXXX called my husband during work hours, the caller identified herself as working for BC or XXXX Services debt collection, she was looking for the person reporting the incident. My husband replied that he was the spouse and could be dealt with, she wanted him to verify that she was talking to the right person and asked that he verify my date of birth. Refusing to give that information he asked if she would provide the birthdate, she responded with the correct year and asked that he provide the month and day of birth. Giving her the month and day, she said she was collecting a debt of XXXX dollars owed to XXXX XXXX XXXX XXXX of XXXX. She asked then for a credit card information to pay the debt. My husband responded that we would settle the matter with XXXX directly. He then called me to alert me to this issue. Checking my XXXX account online I found no outstanding balance in my account. Determined to do my due diligence I called XXXX XXXX billing department and was given a number to their debt collection agency. XXXX XXXX is the debt collection agency for XXXX XXXX and they had nothing on their system relating to my account or the number that had been called. XXXX XXXX 's Billing department also confirmed that I had no outstanding balance due.

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent XXXX XXXX has not removed the fraudulent negative remark on my Credit report after Convergent fraudulently acquired my Personal Identifiable Information to collect on a debt of a 3rd party. It's still showing on 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 2021-12-28 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: IL

Complaint narrative:
I am requesting Exquifax 's method of verification *description of reinvestigation procedure* used to determine the accuracy and completeness of the information, along with the business name, address and telephone number of the furnishers in accordance with 15 USC 1681i ( a ) ( 7 ) for the accounts within your Reinvestigation Letter Confirmation # XXXX dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been trying to close my citi account after discovering that their system constantly prompts me for my debit card number when on the website and that their fraud prevention refuses to recognize the phone number I have used for 20 years and have on file with every other bank I use. 

They are refusing to allow me to close my account despite coming directly into a branch with multiple forms of photo ID. They have 150k of my money that they are basically holding in ransom at this point. Im losing money on a daily basis given I cant invest it or place it in a higher interest savings account because they refuse to release it.

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 2021-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My wife and I purchased our home in XXXX through XXXX XXXX. I retired in XX/XX/XXXX. In order to reduce our monthly pay out we refinanced through XXXX Mortgage and dropped our interest by 2 percent. The refinance to XXXX happened XX/XX/XXXX. We always try to keep our payments from six to twelve months in advance and this was going nicely until they, XXXX, sold our loan to Freedom Mortgage. We made our last payment to XXXX Mortgage in XX/XX/XXXX. I made two payments to Freedom Mortgage in XXXX trying to again get ahead on my payments. They, Freedom Mortgage, misapplied the second payment as principal instead of the XXXX payment. I wrote Freedom Mortgage in XXXX to their XXXX  Department. I have a copy of their return letter but it is riddled with errors as if no one really paid attention. My complaint is, XXXX promised in a letter to me that nothing would change and it has. Their monthly statements have no amount due or how the payment will be broken down. I have copies of everything if you want them. Freedom Mortgage will not communicate with me about this problem. I called XX/XX/XXXX and asked to speak with a supervisor who refused to take the telephone. I spoke to XXXX but her supervisor would not talk. The letter that I received was dated XX/XX/XXXX was not signed and came from customer care.

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 2021-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: UT

Complaint narrative:
XX/XX/XXXX To whom it may concern, I am filing this complaint against LoanCare. 

-- -They reported to XXXX XXXX XXXX one of the servicers of our mortgage loan that we were late in XXXX when this is not the case and in turn XXXX XXXX XXXX reported negatively on both of the borrowers credit reports. -- - When I was first put into forbearance by the servicer Loan Care ; I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made another full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made three payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time. 
As you can see from the attached Loan Care never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XXXX XXXX XXXX  claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page8+ ). They claim that LoanCare gave them this information, but LoanCare is wrong because we requested for forbarance before that time and they always told us that it wouldnt be marked as a missed payment while it was being approved if we made payments even if they were partial.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve. 

How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.

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 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Created an account ( XXXX ) and deposited {$100.00}, bought 18+ bancor coin and have approximately {$9.00} dollars in usd. Want to close account and they require zero balance, but i can't sell anything because they want a wire transfer from my bank ( deposit more money ) which costs {$25.00} both ways which is crazy and unfair since they let me in without a wire transfer. They call it verification ... .should n't that have been done first?

Company response to consumer: Closed with explanation