vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/2021 I deposited a payroll check for {$2300.00} into my checking account with Chase Bank. This resulted in my accounts ( checking, savings, and my kids checking accounts ) being restricted and then closed on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive my money from the bank, when I call to check on status of the check being mailed they say it has not been released to be mailed. 

I am now 30 days without my payroll check. Their initial statements of the check being bad caused me to leave my job for a week until I saw that the money was fully available in my account. 

I am now out my XXXX and Im getting charged late fees and reconnect fees from my utilities companies as I struggle to make ends meet without my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: LA

Complaint narrative:
My daughter applied to XXXX XXXX XXXX Townhomes and only listed me as an emergency contact and mailing address. I was not on the application and did not sign anything. She was the only person on the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : Trans Union and XXXX In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage Trans union dropped my score by XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I submitted a claim once I was released from XXXX claim said no provisional credit due to time Then the claim was denied I sent in police report Id verification from XXXX  and 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 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
Centralized Business Solutions Company at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX has been reporting collections to all 3 credit bureaus in the amount of {$2500.00}. I have sent them a debt validation letter by certified mail that they received 30 days ago on XX/XX/2021 which they have not responded to, to validate the debt. They still continue to report the debt to all 3 credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I traded in my vehicle XXXX. Upon doing so, XXXX XXXX was supposed to send the payoff letter to Wells Fargo. They failed to do so in a timely manner, causing a late payment to be added to my credit report. Ive tried to dispute it and Ive contacted XXXX  numerous times about typing a certified letter to turn in to the credit bureaus, but they failed to do so.

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 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these unauthorized and unverified inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
XX/XX/2021 chime locked my account for suspected unusable activity. Not really sure why, I use this account to have my checks deposited from my job and for purchasing. It is now XX/XX/2021 my account is still locked. I have provided all the documentation requested and a selfie with my photo ID and a peice of paper with my name and date. I have called Chime customer service several times and everyone I speak to someone its the same thing. They dont know how long it could take to unlock my account they dont know why it was locked, they really dont know much of anything. I have read into many customer complaints about this very same thing happening to them and Chime keeping their money so I suspect this will be happening to me as well. What will be done about this very fraudulent company? Are we really going to let them get by with this???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
We applied for and were granted a mortgage modification from Rushmore Loan Management on XX/XX/2019. Our backs were against the wall because Rushmore was trying to foreclose on our home and we had to accept their terms. 

Our interest rate went from 2 % to 5 %, our loan term was extended, and payment was raised. A modification is supposed to be done in good faith to assist the borrower to be able to afford their mortgage and to stay in their home. We did not benefit in any way from this modification, other than to remain in our home and we feel Rushmore took advantage of us and we consider this predatory lending. 

We also believe they added thousands of dollars in fees and penalties to our mortgage that were not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
back in XX/XX/XXXX me and my wife sold a rental property and closed at alliance tittle company no problem 2 months later chase calls me and wants to know why we havent made our loan payments i thought that was strange went home my wife checked her bill pay accounts and payments were rejected she called chase bank thats when it all started the wrong loan was payed off, another one of our rentals. not sure who all to blame but the tittle company said it was our fault! they prepared the documents, we had to send money to chase to reopen the loan, back payments our credit score was XXXX plus now we are in the XXXX XXXX range chase filed a remittance of deed XX/XX/XXXX i have received a notice of forcloser from chase they sent us a statement of how much money they owe us and that the tittle company is to pay interest that was a month ago we have tried to call chase but are always disconnected. to say frustrated, mad our credit is ruined we just dont seem any closer to having this over than we did a month ago not wanting to hire a attorney but may have to just thought i would give this a try can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: 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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Refinanced mortgage with XXXX XXXX XXXX during the process I was instructed not to make XX/XX/2021 payment because I would close in XXXX with new mortgage. Titling agency submitted the payoff past the cut off resulting in a 30 day past due with shellpoint/new rez that was completely out of our control. Received a 30 day late letter from XXXX  agency stating it was not our fault to submit to shellpoint/new rez have now been on almost 3 weeks of constant back and forth with them on getting the letter of deletion for the 30 day past due to get my credit fixed. Never can get a straight answer out of anyone there and keep getting a back and forth yes and no about the letter of deletion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : XXXX XXXX and Equifax In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage XXXX XXXX dropped my score XXXX XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a mortgage with Chase. Chase claims they made the tax payment to my county, for my property. My county claims that they have received no such tax payment, has placed a lien on my house, and is charging me interest on the unpaid taxes. I have called Chase every business day since XX/XX/XXXX when I became aware of this issue to request that they either ( 1 ) provide evidence that the taxes were paid by Chase to the county or ( 2 ) provide me with a method to correct Chase 's inaccurate accounting on my loan to reflect that Chase has not actually paid the taxes. Each day Chase 's tax department tells me that they are unable to do either of these and that only a supervisor can provide proof of the payment or correct the escrow balance. They promise me, each day, that a supervisor will call me back that day to address the issue. I have yet to receive a call back from a supervisor. Each subsequent day I call they say the call will take place the following day. 

So I am simply stuck. My county thinks I owe them the taxes. Chase thinks I owe them the taxes. Chase can not provide me ( or the county ) with proof they paid the taxes as they claim and Chase 's tax department admittedly can not help me. As shown in the attached email thread with the county, the county claims that Chase 's escrow statement/accounting for my mortgage is inaccurate. Chase has been unable to prove otherwise and refuses to correct the inaccurate accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: 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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I've been a Citibank cardholder for nearly 30 years. Over the years, I ended up accumulating multiple cards from Citibank. Recently, in an effort to reduce the number of accounts, I cancelled my cards with Citibank ( and other institutions ). I intended to keep one card open with Citibank, but unintentionally closed all of them. I recognized my error the same day I cancelled the accounts and reached out to Citibank to restore one of the cards.

This began a frustrating, burdensome, and unproductive process of frequently contacting Citibank - always getting an associate from overseas, who provide inconsistent and conflicting information, and who appear to have no information about my account. 

There has been ongoing concerns that Citigroup is too bid to manage, and my experience seems to validate this concern.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
My name is XXXX XXXX. 

I have a checking account at the HSBC USA ( XXXX ). On XX/XX/XXXX I logged in and realized that many unauthorized payments and transfers were made on XX/XX/XXXX and XXXX. without my knowledge for around XXXX XXXX dollars. 
I reported it to the bank, and they freezed my account. 
Since then I couldnt reach a customer service rep. And no communication received since then. 
I really dont what else to do, my account and my money have been freezed for 2 weeks and nobody from the bank seemed to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I had lost my bluebird American Express card I called the car company because I noticed transactions had been going on that I did not approve of so they sent me a dispute paper to fill out I did that two days later they sent me a email saying that I was basically lying in the transactions was approved and for that reason theyre permanently closing my account I had {$590.00} in my account I can not access my money I cannotI can not talk to a customer service representative they gave me a number that does not work every time I call it it says my account is permanently suspended and the phone hangs up I just want my money out of that account And on XX/XX/XXXX XXXX I got an email saying that my {$590.00} was transferred out of my savings into my main account that is permanently closed and this was done by a bluebird customer service representative I did not approve of that I also tried to call the number on the email it did not work it tells me that my account is permanently suspended and I can not call the for service Instead write them a letter and they gave me a po box that is very unprofessional and Im thinking Ill have to take legal action I had received the deposit from Social Security for {$600.00} thats what they took I put it in the savings which is called a set aside account

Company response to consumer: Closed with monetary relief