vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase offered a 0 % balance transfer option. However, they have continued to charge interest on various portions of the balance, without fully disclosing their practices. Their procedures for applying payments and credits to the various balances clearly evidence bad faith, and constitute unjust enrichment. 

Example 1 : Charges for disputed transactions are applied to a full interest rate transaction. There is no way for the consumer to remove the accruing interest until the account is paid in full. Even when the disputed transaction is refunded ( within the grace period ), or, when thousands of dollars over the minimum payment are made on the account.

Example 2 : Charges for an " annual fee '' are applied to the account and to a full interest rate transaction. There is no way for the consumer to remove the accruing interest rate until the account is paid in full. Even when 1 ) The promotion offer that promises 0 % interest is over 1 year in length, which constitutes false advertising for a 0 % rate when the annual fee then accrues interest over the 0 % offer period, 2 ) The annual fee is waived by the company, 3 ) when thousands of dollars over the minimum payment are made on the account.

Example 3 : Portions of charges are applied to a " cash advance '' interest rate when no such transaction took place. There is no way for the consumer to remove the accruing interest until the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XXXX XXXX, 2021 I received a debit card from US bank. It is stated that it is for the Ohio Unemployment Insurance program. I did not request this, it came to an address I lived at over 11 years ago. I have never lived or worked in the State of Ohio. I had my identity stolen 6 years ago and this may be related to that. Please let me know if further info is needed. 


Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2021-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
My lease completed in XXXX. LEASE WAS PAID IN FULL. My wife returned the car and received a remaining lease obligation quote after inspection and it stated the amount owed was {$0.00}. I got a call 2 months later saying I owed {$430.00} ( approximately one month of my lease ) for just returning my car. Confused, I argued with the person on the phone. She was nasty, unhelpful and abusive with threats. in previous lease returns, I've never been charged for simply dropping off my car especially when I asked the person who inspected it if there were any charges and they said " NO, you're all good. '' Since we decided against getting another XXXX, we didn't lease a new car from them. That is when apparently they decided to charge me this nonsense fee. After the conversation, our world took a turn for the worst. We own a XXXX  and our industry was shut down by our governor for COVID restrictions. I completely forgot about this and never received another bill or notice from them EVER for this ridiculous fee. I went to try to buy a house recently and it showed 1 miss payment on my credit score which dropped it 170 points and is currently hurting my chances of buying a home. It is CRIMINAL that these big companies 1 ) can charge nonsense fees at the end of the lease and 2 ) can disrupt someones life for {$430.00} when I just got done 3 years of lease payments with them without missing a payment. The credit report showed it as " missed payment '' which is nonsense. I called the company and paid it immediately and asked why I didn't receive notice that they would hurt my credit. They had no answer but only to say " You asked us not to call you any more so we didn't. '' THAT IS CRIMINAL. I explained the situation and paid immediately and asked them to contact the credit agency and fix the issue. They refused and simply said it would just show up as paid in 45 days. That is absolutely ridiculous in normal times, but in this Pandemic that has destroyed my business and a good part of my life, it is EGREGIOUS and CRIMINAL They refused to work with me or even discuss the charge when they first called me about it. They were ignorant and nasty. If everyone else has to bend during these times, why can't a financial institution like GM Financial who cealrly hasn't been hurt like XXXX XXXXt XXXX. Its CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020, Chase reduced my credit limit by {$4500.00} ( from {$12000.00} to {$8000.00} ) the amount of available credit I had on a credit card I have with them after making a payment of that size. 

I made a significant payment of thousands of dollars on my Chase card to have more available credit and improve my credit. Immediately after making the large payment, Chase reduced my credit limit just above new, lower balance, thereby rendering my card fully utilized and effectively nullifying any financial improvement or benefit of the sizable payment. 

I made the hefty payment to Chase to open up available credit so that my card would not be fully utilized. The available credit would have helped improve my credit score and general financial standing for my finances in the future. Reducing my credit limit, immediately after making a payment, just above my lower balance sets me back financially and prevents any potential improvement with my finances and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX and XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was charged {$29.00} for an adult phone app thru XXXX and paypal. I don't remember and want it refunded. I am unable to login to cancel. Refund me. I would like to open a dispute against this vendor. Its a fraudalent transaction. It is some scam app on XXXX. The company who took the money wont aknowledge the service or give any details. When I try to login with the email address they claim i used to sign up for the subscription, it simply says i have no account. They say to paypal and XXXX its a 3 month subscription that was cancelled. Even if i had cancelled or them I should still get at minimum a prorate refund since it was only days into the 3 month plan I was charged for. Like judge XXXX would say if it ends up on there : Its like being charged for a steak you didnt order, if you are not allowed to eat it once its paid for, then this is fraud if you dont refund the merchant. I can not be charged for an entire steak if I didnt order it and didnt eat it. I should get my money back here. Please open a dispute and include this text. It is some company called XXXX? I am not sure if I have the right company, but the charges appeared as charged by XXXX using my paypal account. Niether company would assist in refunding to date. Please assist. 

Paypal gave the following case info, but refuse to provide any documention and ignored my appeal request. I would like to appeal this with paypal. Below is the only correspondence received to date from paypal : " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). 

Transaction information : Dispute Case ID : XXXX Transaction Amount : {$29.00} USD Dispute Amount : {$29.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I attempted to reach Capital One investigation team at XXXX earlier today, XX/XX/20, I was on hold for over fifteen minutes and no one picked up.. My attempt to contact is in regard to prior CFPB complaint ID XXXX and investigation ID XXXX, a check intercepted and signed in my name. My call was to inform the rep ( s ) I was able to reach the other party whom cashed check, was able to obtain funds from the party after speaking for over half a hour over the phone.. I wanted to inform the investigator to close the case out, however, I was unable to reach any reps via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinanced my primary mortgage in XX/XX/XXXX with Rocket Mortgage. My mortgage was a 30year fixed at 4.625 % with taxes and insurance escrowed. I refinanced into a 30 year fixed at 2.75 % with taxes and insurance escrowed as well. My original balance was {$550000.00}. In XX/XX/XXXX, I received my escrow analysis statement showing that my escrow account is short {$5700.00}, and that my payment would increase by {$490.00} for the next 12 months. I immediately called Rocket Mortgage and was initially told that my taxes increased and that caused the shortage. I talked with the representative and told him this was not the case and the amount did not increase this much. I told him that I just refinanced in XXXX and there could not be this large of a shortage this quickly. He was not able to give me definitive answers but he transferred me to the executive offices where they could follow-up. I spoke with a lady who looked into my account and said she could see that my escrow account was underfunded at closing, but she wasn't sure why or how it happened. She would research it and call me back within 10 days. When she called me back she stated that she was originally correct in that my escrow account was underfunded for some reason and I would be responsible for the shortfall. Rocket mortgage is allowing me to pay the shortfall over 24 months as opposed to the usual 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing this complaint with CFPB for continuing to report this account without investigation peR FCRA federal law these dates are incorrect and should be removed due to the expiration of time. 

Ally incorrectly reporting date of last payment as of XX/XX/XXXX, This account was opened in XX/XX/XXXX and entered into BK in XX/XX/XXXX and all payments stopped by divorce at that time. 

I have attempted many times for Experian to show results of an investigation and they have provided no proof as to their claim

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 2021-02-20 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: Credit Karma, LLC
State: FL

Complaint narrative:
I wrote to dispute to XXXX XXXX using Credit Karma if they could consider a Goodwill request removing late fees I had back in 2018. It was a 30 day late and the full credit line was paid days later. Since I have never been late on either of the two accounts i have with XXXX XXXX. Credit Karma is only submitting responses or request I have sent in the past and will not allow me to send the request Im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from Wells Fargo, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by Wells Fargo, and not only, since 2019!

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 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I made a {$170.00} purchase on a website called XXXX. The following day, I looked up the website to check my tracking number and saw that the website was unavailable ( it is still unavailable to this day ). Without a way to cancel my order, I filed a dispute with Citibank to stop the charge. I emailed the merchant and asked where the website had gone and when I did not receive a response, I asked them to cancel my order. The merchant responded back confirming they would issue a refund and cancel the shipment. I have not received my refund. Citibank has denied my dispute despite agreeing with me on the phone when I called. I spoke with a person named XXXX at Citibank who confirmed with me that the email conversation was sufficient enough to resolve this dispute and that she would have the investigators have a look. I have since been told I am still responsible for this charge.

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We had {$4200.00} due by XX/XX/XXXX on our Bank of America Visa credit card. We were set up for electronic payment. On both XX/XX/XXXX and XX/XX/XXXX, Bank of America drew payment ( total {$8400.00} XXXX, resulting in overpayment of {$4200.00}. This was BoA 's error. 

Our XX/XX/XXXX BoA Visa statement shows a balance due of negative {$1400.00} ; in other words, a credit ( nothing due ) on the " payment due date '' of XX/XX/XXXX. 

On XX/XX/XXXX we contacted Bank of America, and they refunded our overpayment. What BoA did not tell us is they had changed our " balance due '' for XX/XX/XXXX. 

We were surprised to discover when we checked online today, XX/XX/XXXX, that our BoA credit card account now shows a " balance due '' of {$27.00}. How is this possible against a closed billing statement that says " Total Minimum Payment Due {$0.00} ''? 

We called Bank of America today and asked our phone rep XXXX XXXX in XXXX XXXX. She defended the change in amount due against a closed statement. This is outrageous. 

We were vigilant and caught this gotcha before the " balance due '' date. But if we had missed it, BoA would likely have begun charging interest and fees for a missed payment that they had never informed us about. 

We are asking you to sanction Bank of America : A credit card issuer ( 1 ) should not charge a balance due against a statement credit or ( 2 ) fail to inform the cardholder of a change in balance due posted after a billing statement has been issued.

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