vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
On XX/XX/20, I used XXXX XXXX to shop around for mortgage refinancing rates. AmeriSave appeared to have the best rates. I was only interested in a 15 year fixed with no points. Once I selected the option based on the quotes provided ( at 2.125 % at the time ), I started the application until I got to the part that I needed to authorize the credit check. I wanted to confirm the rate I was getting before authorizing the credit check because I didn't want my credit score to be affected if the rate was not what I wanted. I called the toll free number and a loan consultant answered the phone right away. He confirmed on the phone that I would be getting 2.125 % with no points. He then collected all my information ( it took around 10 minutes ). When it got to the end, he told me that my rate without points would be 2.625 %. I was very upset because the whole reason I called was to confirm my rate before authorizing the credit report check. Needless to say I did not go with them. I then went to XXXX XXXX to check the rate options from AmeriSave again and took a screenshot. Although the rate went up slightly ( 2.25 % ), it was clear it still showed no points.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CT

Complaint narrative:
This complaint is in regards to Chase closing my credit account for my Chase Sapphire Preferred card on XX/XX/2020. 

When the pandemic hit, it became more difficult to make regular on time payments. I am a full-time XXXX worker, and unfortunately was exposed on 4 separate occasions to XXXX positive patients. This left me unable to work for a total of XXXX  hours, with no source of additional income. In my state, healthcare employers are not required to pay employees for hours missed in the event of an exposure. 

I was able to close out a retirement account from a previous job to obtain the funds needed to pay off some past due bills. On XX/XX/XXXX I posted a payment of {$2500.00}. This payment was declined and kicked back to my checking account. By XX/XX/XXXX the payment was resubmitted and my account was immediately closed. I was completely unaware that Chase offered " pandemic assistance. '' This was something I did not inquire about, but it was never offered to me. Had I known about it, I would have been able to work something out! 

I spoke with so many representatives on so many occasions, each with there own versions of how I can get help, and which other numbers to call. I had an over the phone meeting with a banker from a branch in my state. I had even offered to pay off the account just to keep it open, and that was not an option that particular representative permitted. I was told by several that my account should be reinstated, and heard from others that it was closed due to the bounced back payment of {$2500.00}. Ultimately, I had no straight answers, and there was nothing that could be done about my account being closed. 

I then tried applying for the pandemic assistance even though my account was closed. I am unable to apply since I am no longer an account holder. I am still getting charged late fees for late payments. 

I understand that this is the first global pandemic that we have all experienced, and that everyone is operating under stress with ever-changing rules and policies. I really made every effort to correct my account with Chase, and I feel as though I was not given every option available to make these corrections. Chase opted to close my {$5000.00} credit line, which is an incredibly small amount of debt in comparison to the size of the company. I am a single mother, working full time. This {$5000.00} credit was my lifeline. Due to the financial hardships exacerbated by the pandemic, my credit it no longer at an acceptable level to apply for a new line of credit. Chase closed my last available option, despite every possible way I pleaded for any option that would keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have applied for a CARes act forbearance. I just read the terms of the agreement. The option to add the missed payments to the end of the term is not an option. They are saying that they are going to demand all missed payments on the following month ( a balloon payment after being on a financial hardship withdrawal ). My mortgage company is US Bank. Please assist ... 

They are also refusing to add any payments made to the interest during the forbearance period and only promise to apply them at the end of the term. I dont think a large bank like US Bank should be taking advantage of struggling Americans. 

And they are saying that they will begin the foreclosure process at the end of the forbearance terms are not met at the end of the term of the delayed payment.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Around XX/XX/2020 my " Chime Bank '' checking account, which I later learned issues their debit card thru " The XXXX XXXX XXXX  suspended my account and filed a " Suspicious Activity Report ''. Under the SAR 's Act I am unable to withdraw ANY of my funds which total approximately {$4000.00}. 

ALL of my deposited funds were ethically and legally acquired thru my small business. The account is in my legal name. The Social Security Number and Date of Birth I provided were both 100 % accurate. 

This account was approximately 6 months old at the time of suspension or closure. I am not sure which action was taken. 

For the past 9 months I have done what I was instructed to do by Chime bank employees : I faxed them a copy of my Driver 's License. a copy of my Social Security Card, Utility Bills, and an explanation of how I earned these funds. I have spoken to at least a dozen employees and none are helpful. They have no information for me. 

I learned my account was frozen when at the grocery store and attempted to use my debit card. It no longer worked. Chime never initiated communication with me, nor have they ever emailed or called me about this issue. It is almost like they are trying to just steal my money or are hoping that I will just forget about it or give up trying to have what is legally mine. Well, I am a single woman with no job and a small XXXX based business which has suffered greatly because of the pandemic. I am also in very poor health and need access to my {$4300.00} immediately as I am about to be XXXX  since I can not pay my rent. 

I am demanding that Chime Bank or XXXX XXXX XXXX  or whoever has my money to issue me a check for the full amount immediately. 

Thank You CFPB. Your help in this matter is greatly appreciated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
In XXXX 2020, PHH Mortgage issued property tax payment to XXXX County from my escrow account, as per usual. The amount paid was in excess of the amount due. On XXXX XXXX, 2020, XXXX County Treasurer 's office issued a refund for the overpayment amount, {$770.00}, which was sent back to PHH Mortgage to be deposited back into my escrow account. 

I have contacted the mortgage company multiple times to find the status of the refund, as I do not see it credited to my escrow account. The mortgage company states that the payment has not been received, but also that a third party company handles escrow accounts. With each contact I make to PHH, I am told that they are researching where the payment is. I have also contacted XXXX County Treasurer 's office, who state that the check was cashed. 

PHH has received the money, but seem to have lost it, and after multiple attempts to get assistance, it has been 7 weeks since the refund payment was sent, and PHH has yet to apply my money back to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Short Sale process with Select Portfolio Services 1-Missing/disappearing documents repeatedly 2-Alleging they did not receive documents which were all sent by emails even as one document package, whereas receipt of email was produced 3-Alleging they did not receive documents even when such documents where even discussed with officials 3-promising to call back if documents where needed, and never receiving such calls 4-stalling the process requesting documents that should exist of lenders file, such as a loan modification agreement, which exist on foreclosure attorneys file and which have anyway been sent several times in a 4 year time period 5-not reading documents thoroughly, regarding clauses and info already provided in the documents 6-insisting more than once that the realtors invoice for {$12000.00} does not represent the 5 % brokerage fee of purchase price of {$250000.00} 7-Claiming errors on a reviewed item by item HUD with a lenders official whereas all changes requested where double checked with such official, and deemed corrected during phone call 8-Manager Relationship not ever being available once when requested for the last 12 months 9-Contradictory info provided by at least 2 officials, when follow up on documents sent on the same day 10-System notes with clarifications taken by and official never, ever, being received by relationship manager and/or disappearing from system 11-Allowing all documents to expire in several occasions in the process of requesting already existing info and documents, due to lack of proper review and/or loss of such documents, which burden parties with resubmitting such info and documents. 
12-lack of knowledge of real estate in Puerto Rico and local laws governing legal documents and contracts 13-Offering misleading information as to HUD items to be included 14-Claiming that a 12 months listing signed on XX/XX/2020 agreement expired on XX/XX/XXXX and not recognizing a clause regarding an existing purchase offer under such contract 15-Having been accepted the same short sale 2 tomes over a 4 yea period, only giving 30 days to close under an FHA loan which at least takes 60 days to process in PR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XXXX XXXX, 2020, I fell victim to a multilayered scam operation orchestrated by various brands such as XXXX XXXX XXXX ( collectively : the Companies  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via wire transfer and debit card, and through an intermediary named XXXX and XXXX XXXX in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. SUNCOAST CREDIT UNION has violated the Fair debt Collections Practices Act and I have exhibits of the violating me the consumer. SUNCOAST CREDIT UNION is only a credit grantor which is someone who conveys ( to transfer or deliver ) property to another. Truth in Lending Act 15 USC 1602 ( g ) creditor refers only to a person who both extends ( lend to self ), whether in connection with loans, sales of property or services. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by SUNCOAST CREDIT UNION that I authorize during consumer transaction but I haven't benefited from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein affidavit of truth being serviced to you today and affidavit unrebutted standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce. They also received my notarized affidavit in the mail XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
Advance Bureau Collection is a thorn in my flesh, and they should be investigated as a criminal enterprise. My name is XXXX XXXX, and this company is harassing my little brother XXXX XXXX, a XXXX  patient and an Army Veteran along-side XXXX XXXX XXXX. They are attempting to collect a fraudulent debt that doesnt belong to him. I am his payee through the Social Security Administration, and he barely makes XXXX XXXX dollars a month. Supplemental Security Income is invariably exempt from garnishment, and other types of Social Security benefits are sometimes safe as well. No one other than the government can intercept or garnish his benefits. If a lawsuit results in a monetary judgment, the plaintiff must look to other assets for a collection that he doesn't have. 

Furthermore, XXXX knew they could not collect on a judgment when they tricked Advance Bureau Collection to purchase this illegal, and fraudulent debt ; even garnishment is improper. Advance Bureau Collection must be sanction and/or fined and I am reporting XXXX XXXX XXXX to the Georgia XXXX  XXXX XXXX  and Finance Department. Both of these racist entities can use racial slurs against me, but I will not stand idly by and let them use racial accusations against my XXXX  sick baby brother. I am seeking legal help from XXXX  legal defense fund since XXXX lives do not matter to these two racist and radical criminal enterprises. 

I will fight for my brother until I leave this earth. Then they had the unmitigated gall and the chutzpah to put this fraudulent debt on all three of his credit files. Advance Bureau Collection would not send him a debt validation letter per federal law. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I would refer to the attached documentation, when able, as I have been as thorough as possible. 

Even after being as diligent as possible in preparing this complaint, however, I realized I had missed several emails in regards to the dispute involving an unauthorized withdrawal to the PayPal Giving Fund. Thus, I want to make very clear -- I am very confused and very frustrated with the actions of the relevant parties, which provide the basis for this complaint. I have not received even a semi-plausible explanation for how my authorization to donate {$1.00} to a world hunger organization resulted in {$48.00} being deducted from my checking account, during a span of time I needed it most. 

I have been given different, and conflicting, and arguably suspect, explanations by various representatives of PayPal and, at this point, I am honestly disgusted. Their reputation as far as credibility is non-existent to me as of the date of this letter, although I have been a long-time, loyal, and responsible consumer. 

As far as who ended up with, and still possesses, my money -- I just don't know. I realized just earlier today that the dispute I opened re the transaction is apparently with the PayPal Giving Fund. I fail to understand how PayPal is unable to resolve a conflict with their own ... with someone associated with their own company 's name. 

On XXXX/XXXX/2020, a PayPal customer service representative blamed XXXX for the THEFT. On XXXX/XXXX/2020, a credible and extremely helpful XXXX representative dispelled that falsehood. 

Yesterday, I had my most disappointing, and arguably disturbing, communication with PayPal CS yet. After giving me the run-around for over 10 minutes, this representative insisted {$48.00} was deducted because I had a negative balance in my PayPal account of {$37.00}, due to the XX/XX/2020 XXXX  payment apparently never being fulfilled. 

It is very difficult to provide a complete documentation of all relevant facts, dates, amounts, etc., when the very individuals who claim, who are employed, to " serve '' or help the consumer, are dishonest and/or opaque. The long wait times, and wondering, like yesterday, if a supervisor was actually even available or would ever come to the phone do not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to BARCLAYS BANK DELAWA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BARCLAYS BANK DELAWA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have disputed these debts and asked for the required verification from Credit Collection Services twice now. I have received nothing at all from them. I do not know who they are or why they are on my credit. They have violated my rights according to the FDCPA and FCRA, and as a consumer, it is very unfair. I thought as an American citizen I was entitled to the same information that is being reported to third parties about me! Please help me!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I have 3 accounts with XXXX XXXX. I am a patient there. I was not notified of the outstanding balance and when I would have an appointment and ask if I have a balance I am told no there is not a balance. Recently, I applied for a home loan and was made aware of the medical debt. I paid it immediately. I contacted XXXX to ask why was I not notified and asked why was it sent to collections when they did not validate the debt. I was sent to the billing office and told basically there was nothing they could do to correct the issue because it had been sent to collections. I advised that I had paid the balance with MediCredit and XXXX XXXX XXXX. They said they no longer report to MediCredit so they did not send the debt there. I have the receipt where I paid MediCredit. I feel that XXXX and MediCredit are not communicating with each other and it is negatively affecting my credit. I would like for XXXX or Medicredit to take responsibility for not notifying me before this was reported to the credit bureau allowing me the opportunity to pay it. This is abusive practices on behalf of the collection agency and negligent behavior on behalf of the creditor.

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