vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am devastated. I am only a XXXX XXXX who gets by XXXX eats. I dont make a lot of money while still having to pay rent and other bills. Unfortunately one day I over drafted my account by 15 , which was broken up in 4 different transactions. These 4 transactions were made sending my balance negative. In result of this BOA charged me 140 $ In over draft fees, to me, a broke XXXX XXXX I called their support and they informed me they could only refund one of them which Im still out XXXX $ in fees. I have never even over drafted my account before and have been banking with them for over 10 years and this is how they treat me. When I tell you I cried for an hour over this, I really did. It may only be XXXX $ but that is a lot to me when I struggle every week just to pay my bills. I explained this scenario to them and they did not seem to 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 monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Dear Sir/Madam Huntington Bancshares Incorporateds transfer to a Fraud Scam Broker XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I on XX/XX/22 was paid XXXX dollars by my employer I only received XXXX dollars. Again today I was supposed to be paid XXXX dollars I only received XXXX. I have no child support or anything like that being taken out of any account so there is no reason for my checks to have been coming up short. I have tried to get the ach number from the bank. I have tried contacting my employer and pay role provider they have done nothing to help me get into my account to change my credentials to be able to change any of the information so that if it's something wrong with my direct deposit information to be able to change it. So the bank won't provide me with the information I need to be able to trace down my direct deposit and my employer and pay role provider won't help me change what's could possibly be wrong with it... I no longer have the phone number that my payroll it set up thru nor do I have the email it was made thru. I have relayed this and one will help me on either side. I feel like someone is doing some sneaky hints why they won't help me change the things that I need to be able to access my payroll information. I had a wallet stolen from me back in XXXX around the XXXX had my social, drivers license and every card I owned stolen.. so it's not like I can just go thru n try each card n see which one may have a $ XXXX on it.. to account for the two weeks I haven't received half my check. My bank is chime and my employer is perfect game inc. but we use XXXX as a payroll and hr. I just want my money that I haven't received. And to be able to get into my account on isolved and know where my money is going.. sincerely a hard working man

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a bank check of {$20000.00} on XX/XX/2021 from Capital One bank. I found out soon after that the person that I invested the money with was a fraud. I contacted and visited the bank to ask them to stop the payment but they did not stop it. The bank told me that their computer system was down and that they could not look up the transaction. The manger informed that when the computer were working again she would investigate the transaction and contact me but she never did. This was neglected on their part and now I loss my familys {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Re : A Formal Complaint that I am not eligible for a refund or reevaluation of the period that I made payments over the 120 months requirement of my student loan payments while being a federal employee because under the limited PSLF waiver I can not be reimbursed because I have already paid off my loan. 


Respectfully, This letter serves as my formal complaint with regards to the aforementioned subject matter. This complaint is based on the ground of my ineligibility for a waiver of my student loan for all my amounts paid over 120 months, while I worked as a federal employee. 
The original balance of my loan when I graduated from XXXX University in XXXX XXXX Missouri in XX/XX/XXXX was {$15000.00}. I began paying my loan promptly on XX/XX/XXXX. At that time, the only federal loan was the Federal Family Education Loan ( FFEL ) and it was promoted to the public as a federal loan. Accordingly, I made 15 consecutive years of on-time payments till the loan was repaid on XX/XX/XXXX. 
It is worth noting that I have worked for the federal government the entire time from XX/XX/XXXX to the present at the Social Security Administration. In XXXX, the law was passed to have federal student loans forgiven if one worked for the federal government. Accordingly, I filed my paperwork to have my loan forgiven on XX/XX/XXXX. However, my loan was rejected by the Depart of Education on XX/XX/XXXX. They stated that they can not honor Federal Family Education Loans ( FFEL ) and I need to consolidate to a Direct Loan Repayment Plan. 
The Department of Education also stated that if I consolidated on XX/XX/XXXX, they would not honor the previous 8 years of paying on the loan. Therefore, if I consolidated on XX/XX/XXXX the earliest the loan could be discharged was XX/XX/XXXX. This was not to my advantage because I would clear my paying obligations on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
We are trying to sell our paid in full house. During a title search, a HELOC from XXXX with your bank appeared on our title search. This HELOC was paid and closed almost 30 years ago, but no discharge was filed with the county. 

I have attached the title search, along with my daughter 's POA so you can speak with her as she is handling the sale of the property. 

Section 1921 of NY Real Property Law says the mortgagee has 60 days to release the lien, or is subject to a {$1000.00} fine. If it takes 90 days, the fine grows to {$1500.00}. What's the fine for 30 years and causing us to lose our buyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened a chime account around a year ago. Around XX/XX/2021 someone hacked into my chime account and stole my balance, which was around {$400.00}. I called chime to report the missing money. They conducted an investigation and concluded that the money was fraudulently withdrawn, and they put the money back into my account. Several weeks later they closed my account and said they would refund to me the balance that was in my account, which was around {$400.00}. It has been over 3 months now and I have not received the money. I have tried emailing several times but no answer. I also tried calling, but because I no longer have a chime account no one will talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
XXXX XXXX is still reporting on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-02 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/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 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Like millions of Americans I was impacted by the pandemic. First by having XXXX twice XXXX, XXXX, XXXX and XX/XX/XXXX ( long Covid ) then by job loss, Spouse XXXX and vehicle maintenance. This issue have total devastated me. I have tried diligently to recover however on XXXX XXXX I was faced with a {$10000.00} car bill attached that added insult to injury on a two year old vehicle XXXX XXXX XXXX I have called every month since then asking for payment extension since my vehicle had been down since XX/XX/XXXX. Unfortunately, the reps at capital one have been unable to help me. 



I am not try to neglect my obligation. Im only requesting modification of my car loan to place the passed due amount to the back of the loan or a payment plan and the recent negative credit history kindly restored. I am able to make the current payment just like last month just not the pass due. 


I begging for leniency in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I Was using Chime to receive my direct deposit Its. Everything was going fine until I was incarcerated in 2020. I had A little over {$5000.00} it's in my chime account until I was incarcerated While spending time in jail I could not give anybody my Personal information such as my social security number to access my account I account and of course I could not access my account my account myself. When I Was released from jail the 1st thing I did was try to log into my bank account and I was told that my account was closed I have been sending email after email after email to chime customer support months later I finally received a response and they told me they would look intold me they were looking to my problem until finally after some time XXXX after some time they responded and told me they determined I was uneligible to receive my own money. I have no idea how this could not be illegal I need my money. there was nothing I could do about my account Not being used for that period of time either way it was my money and when they close my account I should have been sent that money immediately please get me my money return to me thank you. I will attach whatever emails I have what what please note the email I use now is different from the email address I had when I opened the time account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are two ER bills on my credit report with Transunion that should not be there, because my income was {$0.00} for three years from being so sick, and these bills should have been paid with the charitable funds available to these hospitals. I have disputed these bills for years, and they remain on my credit and harm my ability to rebuild now that I am BARELY able to work again. I am denied all social services, because these two hospitals provided me a DISSERVICE, and not a service. They left me in XXXX XXXX XXXX and denied the diagnostics, even with images of my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and that I have XXXX XXXX XXXX XXXX XXXX  XXXX in my XXXX. Their malpractice is DESTROYING my health and my life. 

Transunion is allowing them to also destroy my credit. Transunion said they were removing the collections, did not, and then put it back on my 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 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have new and update information pertaining to this account. According to 15 usc code 1666b there are billing error JPMCB is reporting late payments. Also, if a finance charge where included it shouldn't be no late payments 15 usc 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 usc code 1681e ( b ) which is maximum possible accuracy. which JPMCM has fail because of inaccurate reporting late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I filed a dispute and requested a new card saying my card was lost chime sent me a replacement card same information why I have no clue next XXXX said I have to contact my bank the company further inconvenienced me by having to wait on another card again and to be denied my claim as a banker I would not treat my customers this way and this is not proper dispute procedures I am not accepting this as a loss I want my money back your company dropped the ball by not giving me a new card and not stopping that transaction again with having me go back and forth I want to be compensated for the lack and my funds stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I'm XXXX and was a member of XXXX. I was advised to attend until fully vaccinated. I called, explained, and was disenrolled over the phone from an associate within XXXX in XX/XX/XXXX. I received vaccine XX/XX/XXXX and XX/XX/XXXX, and have not yet gotten a chance for the booster. On XX/XX/XXXX, XXXX began charging XXXX monthly fees to my credit card while sending advertising emails for me to sign backup for new/ reenroll membership. The credit card that PF fraudulent stole money from only had a credit limit of {$300.00}. I now owe {$600.00} due to fees and limit charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I was in forbearance during COVID and entered into a loan modification agreement with my lender. I was given a payment schedule of three payment to make of approx ~ {$2900.00}. They do not have automated payment methods. I called in to make the first payment in XX/XX/2021 ( the phone call was recorded ) and the person told me that I had {$2700.00} in suspension ( I made a partial payment during the forbearance period ) and that I could apply it towards my first payment. I asked her at least three times if that was true and she said yes, so i authorized an ACH payment of {$250.00} ( which combined with the {$2700.00} was more than enough for the initial payment ). I called in XXXX and made a full payment of ~ {$2900.00} and it was processed from my bank account. In XXXX when I called to make the third and final payment they told me that the agreement was breached for a missed payment on my part and that the agreement was cancelled. I explained what the lady told me and they researched it and got back to me acknowledging the mistake and informed me that she was wrong that a payment in suspension could NOT be used towards a payment. I explained that I was prepared to make a full payment when I called in and would have done so had she not directed me in this manner. At this point I have been on the phone with them three times for over three hours and each time they tel me it is reinstated and then I get letters to the contrary. I have escalated to no avail and at this point they are telling me tht I have to reapply for a loan modification and start all over. The big issue with that is that my current interest rate is 4>65 % and I have a lender that is willing to refinance it down to 2.24 % which will reduce my payment by ~ $ XXXX but this cant be done until I am officially out of forbearance and it is reported as such. Please help as this company seems to be hamstrung by systemic issues and are not willing to fix their mistake.

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 2022-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a HELOC loan number XXXX with PNC Bank and the balance is {$48000.00}. There is approximately {$29000.00} that is at a fixed rate of 3.25 %, and {$19000.00} at a variable rate currently at 4.25 %. This is one loan in total, with one account number. PNC Bank told me both online and at the bank, I could direct the payment that is automatically debited from my checking account in its entirety towards the balance with the higher rate. Then, when I tried after the payment was posted, ( at their prior direction ), they said they couldn't, or wouldn't, not sure which. This means I am paying more interest on the loan in total. Lastly there is NOTHING in the original loan contact that says I can not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
I filed disputes with Experian to rectify negative information on my credit report. Accounts that are old, inaccurate and should have been removed from account are instead being updated as collections and charge offs showing that I owe past due amounts which is incorrect. These negative marks on my credit report not only hinder me financially but as Experian continues to update these accounts the age of the accounts reflects a newer date which in turn keeps this reporting from ever aging off my report. This is fraudulent activity and also violates 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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I used Venmo to send my husband money so he can transfer it to savings. He tried depositing it into his account and it kept giving him problems. Venmo then proceeded to tell him to transfer the money in small increments so he did and said itll be deposited in 2-5 days or something like that. The next day we BOTH received emails saying our accounts have been frozen and we needed to send proof of identification! So we did. After some time they sent us an email saying our accounts have been permanently deactivated! The money was never transferred to my husbands account. I keep calling and emailing and they keep giving me the runaround! Nobody wants to explain why our accounts were closed! And they dont want to give us our money! I will be contacted a lawyer and news and everyone I have to for others to be aware of this! Its completely unfair. That money was for savings for a house purchase!!

Company response to consumer: Closed with explanation