vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I have been customers of Chase for decades. We have also had Chase credit cards for decades. We have NEVER been late paying our monthly balance. This past month, we sent in our payment as usual, as soon as we got our bill. Because of the US Mail, which has been decimated by Covid-19, apparently Chase did not get our payment before the due date, or at least it claims it did not. 
It therefore charged us {$28.00} in fees and {$30.00} in interest. 
We feel this is outrageous profiteering from Covid-19 and will not pay either the interest or the fees. 

The interest and fees were imposed on our payment for the month period ending XX/XX/20. 

We called the bank and it declined to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I transferred funds from a XXXX XXXX  into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds. 

After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds. 

At one point I was told to contact XXXX  regarding a " fraud alert ''. XXXX  had that alert removed off my acct. On another call to HSBC they told me to call XXXX  and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX  dashboard showing I have no Freeze or Fraud Alerts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I want to link my bank account with XXXX XXXX, so that I can open a XXXX XXXX savings account. PNC does not let consumers link our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a CashApp account. It is linked to my XXXX Bank account. I also have a bank account at XXXX XXXX XXXX XXXX XXXX. From time to time I would link my XXXX account to CashApp the last time being XX/XX/XXXX. 

Two unauthorized transfers showed up on my XXXX XXXX  account statement ( the one NOT linked to CashApp ). On XX/XX/XXXX, I noticed a transaction for {$60.00} which led me to investigate. I then found another transaction had been completed on XX/XX/XXXX, for {$25.00}. Both transactions appear as if I had transferred money from one account to another account in my own name. I did neither. The transfers were not initiated by me. The funds were not received by me. Again, I hadn't had the CashApp platform linked to the XXXX account since last XXXX. 

I immediately contacted the company CashApp by email ( there is no phone number ). I also contacted XXXX and canceled the debit card and requested a refund. I exchanged emails with CashApp for 2 days asking where this money went. Completely missing the point they insisted that I should put additional security measures on my account ( the one linked to XXXX XXXX  ). The XXXX XXXX/CashApp is not the problem. The problem is that someone used their platform to create a phony profile in my name, somehow linked my ( Launch ) debit card to it and stole money. It had nothing to do with the XXXX XXXX  CashApp or a lack of security on it. 

They refused to give me any information and instead continued to cite privacy regulations. This makes no sense - I should be able to know where a transaction that was allegedly initiated by me was directed. I have yet not been refunded by XXXX. CashApp doesn't seem to understand the huge hole in their platform 's protocols. 

It is entirely too easy for someone to set up an account in anyone 's name, get access to their debit card ( easily done if someone is shopping ), and then siphon off funds to that phony account making it look like a victim sent money to his/herself. It's completely untraceable and CashApp takes no responsibility expecting that the credit card company will reimburse. 

This should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I sold a guitar and issued an invoice through PayPal, which was promptly paid by the client. What PayPal didn't tell me was how their fee structure worked at any point during the invoicing process. I figured I would get some kind of breakdown if any fees were to be involved. I'm sure it was buried in the terms and conditions somewhere. I issue and invoice for {$1800.00} and boom, {$79.00} in fees. I'm somewhat upset, but I can deal with it. PayPal stated up front that it would take up to 21 days for my funds to be available, unless I provided them with tracking information. Upon XXXX delivery I'm supposed to get my funds within 1 day. I don't know about PayPal world, but on planet Earth, 1 day = 24 hours. 24 hours after confirmed delivery by XXXX  and my funds are still on hold. No humans to talk to on the robot phone line. Sitting in an online support chat window that states " The estimated response time is a few hours. '' I'm sitting here wondering, what the heck did I pay {$79.00} for? There's no service available to respond to what feels like a real issue. The federal government sent me a check for {$2900.00} in stimulus money for having three pulses in the house, but I can't get PayPal to deposit money in my bank account for doing ACTUAL WORK. Other consumers need to be aware ... I'm sure PayPal is busy figuring out how to scrape the maximum amount of interest off of an interest free loan from an ordinary consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Money transferred of XXXX $ from a Bank of America account to another Bank of America account via XXXX transfer using a phone number. The money never made it to the recipient. Called Bank of America and they say someone else has the money but I have to get court subpoena to get the recipient information and then take the person to court myself. I put in the correct phone number which is that of my son. Transferred money the same way before. Dont know how this is my fault to lose money like that. They say there is nothing they can do.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on 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 XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took out the loan in late 2019 ( XXXX ) in the amount of {$800.00}. Since then I have paid {$190.00} every two weeks for a total of over {$2300.00} to this lender and now I find out that I will have a balloon payment of {$900.00} at the end of the term. I was not informed of this at the time of origination of the loan and would not have agreed to this. I have more than paid back the money borrowed, several times over and ask to be released from this debt immediately. This type of predatory lending is unethical and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
It would not let me link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In a previous CFPB complaint, it was found to be true that my account with Comenity was in fact settled as I shared in my complaint. In Comenity Bank 's final response they stated that they would have the account removed from my credit files which they have yet to do so. The account was bought back weeks ago from XXXX XXXX. I filed a dispute with the credit bureaus and included a copy of the final response. Comenity Bank replied back that the account was supposed to be updated and not deleted and only provided updated account information versus removing the report from the file so XXXX  had no choice but to honor what Comenity Bank stated and leave the account on the report. This account was supposed to be removed and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account for no reason and wont Open it with over XXXX in it. 

I have sent the documentation multiple times and they wont accept it. Closed my login to the account. Theyre stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: VA

Complaint narrative:
I just checked my Experian credit report, I the XXXX 's account is still being reported as a charge-off. This account should have been changed weeks ago. 

On XX/XX/XXXX, I received an updated copy of my XXXX  credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to XXXX XXXX  to advising them of the error. When I looked at the results the XXXX  stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that XXXX had already agreed to correct after the XX/XX/XXXX letter. I called XXXX XXXX  on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. I feel like I am being jerked around and rights are being violated by 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 2020-04-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchase two airline tickets from XXXX XXXX using my Chase Sapphire card. On XX/XX/XXXX we contacted XXXX XXXX to cancel our flights due to the virus. They issued us two email ( attached ) authorizing a refund. The emails stated that it would take up to two billing cycles to see the credit on my credit card. I waited until XX/XX/XXXX to contact Chase about the refund and received a generic answer that did not apply to my question. I have continued to reach out to Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive a valid answer to my inquiry other than we will get back to you responses. At this time I dont  believe I have any other course of action than to file a complaint against Chase for their untimely crediting of my credit card issued by XXXX XXXX. I have spoken with XXXX XXXX XX/XX/XXXX just to confirm their authorization of a credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
On XX/XX/2019 a collection from Allied Collection Services showed up on my credit report, I disputed the account with XXXX XXXX  directly and also XXXX directly both came back that everything was accurate so I disputed again that I disagreed with the decision. I have never once received any notification via mail about being sent to collection, an original statement from Allied Collection Services saying this is in their office and they are authorized to collect on this XXXX  account, no information to dispute, nothing what so ever in the mail from this company. It now shows on my XXXX XXXX report as closed but when I run my credit to try and get a mortgage it says it an active collection. The information for the agency on XXXX XXXX gives me a number not in service and I have no account number or information from collection agency about this account. When I disputed I was never sent any kind of proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Hello, I have a Chase Sapphire Reserve Credit Card. This has a {$400.00} annual subscription so I generally expect pretty good service from the card. These are troubling times and I wanted to make a purchase of flowers from the Chase portal 's recommended florist, XXXX, and pay with my Chase Sapphire points. I went through the Chase Portal to get on the XXXX site and purchased an arrangement to send to my mother in Michigan. I specifically selected Chase Pay as my payment option and then clicked Pay with Points. After that, I saw that the website never showed me how many points it would cost but it did just charge me {$75.00}. I called Chase for help. They said I must have made a mistake to cancel the order and try again. I called XXXX and waited almost an hour on hold to have someone cancel my order. As far as I can see, it still has not been cancelled. Then I tried the portal again. The same thing happened. I called Chase again for help and this time I was transferred to tech support who told me that Chase Pay is obsolete and none of their vendors should be using it as they have a new payment system. She said I should know not to use Chase Pay. This was my first time attempting to buy anything with points through the Chase portal other than travel. I then realized that XXXX did not just charge me XXXX twice ( so {$150.00} total ) when I selected to pay with points, they also took XXXX points out of my account. When I go to see my point activity this does not show up at all. So there is no record of these points leaving my account. No one would have any idea they were charged. I figured it out because I knew I had more points that morning and went back to look at previous statements. XXXX points was missing. I called Chase again for help and they said they would look into it. This was now 72 hours ago. I would never, ever want to do business with XXXX again and I do not trust the Chase system to process payments for anything. I'd like a refund of XXXX points and my {$150.00} back. They also need to make sure the people they say have functioning platforms on their system actually are functioning and not scamming customers and robbing them of their hard earned points. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XX/XX/2020 XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX   XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2020-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Attempting to make principle only payments to a HELOC acct on multiple occasions. I h ave tried both the website and the app to transfer funds from a checking acct to the Flexline acct. It is set up with an auto bill payer feature that makes an interest payment. If I schedule a principle only payment it takes a long time ( weeks ) to  post to the acct. while interest is accruing. If I call my local branch and have a rep do it, it posts that day or the next business day. I understand this may seem like a small amount but if theyre doing it with thousands of accts it would be significant. I have no idea if its illegal, but it absolutely seems unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I got a notice from my bank that my car loan was late. THAT day I went to the bank to fix the problem. They repeatedly assured me that it was their mistake, and that I had fixed it in a timely manner. I then received a letter that stated I was 60 days late on my credit for the late, that I was strongly under the impression had been fixed. I am outraged. HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : 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 explanation