vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received my new credit card on Saturday XX/XX/XXXX. Used it to purchase a tool cart for work and now ( XX/XX/XXXX ) received letter stating account closed due to delinquencies and high balances on other cards. I know I have high utilization of my other cards and make my payments on time ( one account is approximately 9 years old and the other around 4. My main issue is why bother with an approval and sending card if just going to review and close. If that's the case do not approve or mail out card til reviews are done. I have been improving my credit for some time now after having put myself in a bad position years ago and have had no intention of abusing this card and understand if it would have initially been declined but to approve, allow me to make a purchase and then close feels like a twist on bait and switch. I submitted here without contacting chase as reading up on this shows they're doing it to a lot of people arbitrarily. Now my credit report will look worse because chase closing an account with a balance. Also are they expecting full payment immediately or will they abide by the interest free period that agave me reason to apply and use this card? Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NC

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX AUTO FIN XXXX not mine XXXX CRED XXXX not mine XXXX XXXX not mine XXXX BANK XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX, XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX FUNDING XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine

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 2019-04-24 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 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: IL

Complaint narrative:
I have a CitiCard which has been now been compromised for the 2nd time in 28 months. I received a call on Monday saying they denied a charge in the XXXX for {$45.00} and asked if I'd made a purchase. I said I had not. They said they had to cancel the card and reissue a new one. I said they needed just to block it as we did two+ years ago. I just received a new card at the end of XXXX due to the expiration date. Today I received another call regarding a charge yesterday, also in the XXXX and it's for {$32.00} and some cents. Again they said it had been declined ( card was blocked on Monday ) and that they need to close the account. I informed them that the last time I allowed that many, many years ago, it showed on my credit bureau report for years as just another account which hurts a credit score. They deny that but I know I'm correct. This person, today, then informed me there were FIVE charges in XXXX on XX/XX/XXXX, each for {$45.00} and that I can't dispute these charges because the account has to be closed for that to happen - they can't access a blocked account to dispute charges. Funny that the charges made in XXXX of 2016 have the same scenario and those charges were disputed. Obviously CitiBank is wanting me to open a new card for some reason. The only legitimate charges I've made on this card are " XXXX online '' and " XXXX XXXX  '' online. The pin changes when a new card is issued so it's one of these companies or the company that prepared the replacement card. The only reason I didn't cancel CitiCard years ago is because it hurts a credit rating. XXXX XXXX XXXX (? ) credit card was closed months ago because XXXX XXXX went bankrupt and closed all the stores. If I close this one, it will show up without the explanation. I need help or I need to file a suit against Citi Bank. In 2016 I opened a XXXX Visa account so I could abstain from using Citi. I began to use it to prevent them from closing the account. I'm quite proud of having a credit score of over 800. As a matter of fact, Citi provided this to customers and I believe the last one was 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 2019-04-24 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XX/XX/XXXX requested balance xfer on line of {$850.00} to pay XXXX XXXX CC ending in XXXX. Called about 10 days after requested to confirm why not processed. Advised " It takes times ''. Assuming they sent check I waited a few more days. On XX/XX/XXXX opened a formal investigation. Was told 10-20 days, with no specification of business or calendar days. Since this time, I have made repeated calls to Barclays Bank and been provided with multiple responses ( ie., takes 10-20 business days - could take up to 3 weeks - takes 45 calendar days - takes 60 calendar days ). Issue has to do with account # at XXXX XXXX wihich appears to be incorrect. They will not tell me if this was my error or if they had an input error when processing. They will not provide me with steps taken to contact XXXX XXXX, instead recommending that I contact XXXX XXXX, Will not advise how the funds were xfered., ie, electronic check, paper check, ach credit. Have spoken with supervisors who continue to advise issue escalated. Received no written communications, although was promised they would send communication on XX/XX/XXXX. Called today, and received same response, that I could call back in 60 days which would be XX/XX/XXXX to see " if '' resolved. This CC company has not provided consistent information on how the process would be handled. Getting the proverbial run-around. I will call again on XX/XX/XXXX to see if they provide me with a resolution. However, after being in banking/investigations for over 40 years, this has been handled very poorly. The customer service process appears to be outsourced to a 3rd party and each have " scripted '' responses, with no sense of urgency on when and how to escalate. Without being judgmental, as I am hearing impaired, I find the verbal communication skills extremely lacking. 

In today 's world of automation, it is unacceptable that it would take 60 calendar days to contact an intended recipient ( in this case - XXXX XXXX ) and resolve the issue. All transactions have trace # 's and should be easily identifiable. Contingent credit for disputes should be granted after 30 days. Consumer should not be affected due to companies inability to handle an issue timely.

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 2019-04-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: PR

Complaint narrative:
The rain and wind during hurricane Maria caused damages to the property. The company released funds in two instances The last amount to be released has not been received. Also, although the insurance carrier adjuster report clearly states that an amount for ceramic tile was not included in the check ( add the columns, the tiles are not included there and it totals the amount of the check ), I was arbitrarily requested to get a letter from the insurance carrier stating what is obvious. Contacting the company is time consuming, the new telephone number to inquire about status of check and to send the letter from the insurance carrier is continuously busy. The website address furnished to submit the insurance carrier letter does not exist in the Internet. Although an inspector came to the property and furnished them with a report stating that the house is repaired and that the ceramic tile was excluded from the payment, still no intelligent and articulated conversation with the representatives. It is a merry go round to speak with them and I have spent countless hours on the phone. My contact via telephone and via email with one of the representatives has not bear fruit. 

I need help with the following : status of a check that was allegedly issued in XX/XX/2019, and where to send the insurance carrier 's letter regarding the ceramic tile. Be advised that the money is owed to XXXX XXXX. 

Also, the property is located in Puerto Rico, and the people answering the XXXX line do not exist. When you finally find someone that speaks XXXX, the communication is so poor that there is no way that a conversation is possible. 

Please contact my daughter that is authorized in the account.

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 2019-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Seturus responded to my Consumer Finance Protection Bureau # XXXX that they purchased they account in a XXXX XXXX XXXX status and did not produce any statements. However the information they have reported to XXXX  and XXXX is not reflective of this. Seturus has failed to remove this account from my credit reports as they have claimed to many errors in their record keeping and it is not 100 % accurate. According to the FCRA all information must be 100 % accurate, complete and verifiable yet Seturus continues to show there records are not complete. I have disputed this account multiple times and Seturus continues to verify false information on payments and account status concerning this account with XXXX and XXXX. 


I have reported this to Seturus over 6 times through this government agency which shows that their record keeping is not in good standing and not accurately kept. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is very unfair and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While on vacation last month, I was talked into purchasing a membership with XXXX XXXX XXXX XXXX. I was very worked up during that meeting with my mother who has mental health issues, and it was not made clear what was happening during the meeting. I went back the following day to cancel the membership before anything would happen and I was told I couldn't cancel. Not only that when they took my Social security number they opened up 2 credit cards under my name. One with Bank Of America the other with XXXX. These cards they opened without my authorization, they put in a payment agreement. I contacted the banks immediately regarding the matter, and bank of america did not authorize the first payment they were charging of {$2100.00}. The other card with XXXX they put on an 8 month payment plan charging {$260.00} a month beginning in XX/XX/2019 I contacted XXXX. I have no use for the membership but as much as I tried to explain it to XXXX XXXX XXXX XXXX, they would not help me in anyway and became very rude. My current source of income is 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 2019-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX-XXXX-XXXX  advising that I was facing felony charges. Panicked, I spoke with an agent at the same number on XX/XX/XXXX who advised the charges were for check fraud for an old payday loan with ACE Cash Express that I had completely forgotten about. The agent gave me a case number stating in XXXX that I needed to call XXXX-XXXX-XXXX ( Named XXXX  XXXX   XXXX, XXXX ) immediately as legal processing was already started and the charges would be filed with the courts XX/XX/XXXX at XXXX, because ACE had filed the complaint and already received full payment from the courts, the courts would then come after me with a warrant for my arrest if I did not pay the full amount the same day. I called the given phone number and provided the case number provided - the gentleman, who identified as XXXX XXXX urged that I pay immediately to avoid criminal charges on my record, having a warrant out for my arrest, and facing 3 months of jail time, and refused to take any partial payment. I attempted to explain I had seen no documents or anything on my credit suggesting I was in collections. The balance owed during the call was for {$760.00} and the bank account I used was open when I took out the payday loan, the bank account was closed after two NSF attempts went through. Wanting to avoid felony charges or jail time, I paid the balance ; and they sent this sketchy contract via email to electronically sign. After the payment was received, they gave a disclosure that if I attempted to dispute the charges in the future, the original legal proceedings would continue, and they sent an email receipt expressing the debt was paid in full. I could not find anything about this XXXX, XXXX online except for what looked like a stock website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a small business customer with Bank of America. I did a bill pay to my landlord on XX/XX/2018. He received the check but when he went to deposit he was unable to. After several months of trying multiple options, it was finally determined that the check had been fraudulently deposited at an institution at which my landlord does not have an account. Once my landlord signed an affidavit that he didn't not receive the funds, we were told the case was sent to the FDIC in order to recover the funds. We have now been told ( months later and only after certified letters to XXXX XXXX 's office ) that the funds have been recovered but there is no explanation as to why the funds have not been credited back to my account. The amount of the check was {$820.00}. I have spent hours over the last 8 months on the phone with customer service representatives trying to understand what is happening with these funds and am consistently disappointed with how my concerns have been handled. In fact, each time I speak to someone, I become more unclear rather than more clear on what is going on with the situation. I am extremely frustrated and feel I have no other way to share my frustration than making a complaint to the CFPB. I will be closing my account with Bank of America as soon as the funds have been credited back to my account.

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 2019-04-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX  XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am complaining out of frustration with the Modification/Workout process with Shellpoint Servicing. I  have been trying to avoid a foreclosure and in XX/XX/XXXX after some correspondence with Shellpoint I informed them of a change in our financial situation. It follows a Chapter XXXX Bankruptcy I filed in XXXX to eliminate all debt and with substantial increase in income I felt I could have an opportunity for a short term modification or workout which would allow us to stay in the house for an additional 2-3 years. I would pay the property taxes and homeowners hazard insurance during that time. I sent Shellpoint in a timely manner all the financial information they required including a NON-Borrower Contributior which would also make more money available if needed. I informed Shellpoint that our XXXX 1040 income which included W-2s and Social Security income was {$70000.00} which would be increasing in XXXX. Never had a phone contact with any decision maker only a single point of contact of which there were many different people assigned to our account for short periods of time. Considering how important this issue is for us there seemed to be no real urgency on Shellpoints part or new owner of the loan to find a workable solution similar to what I had offered. I would like a postponement of the Notice of Sale for 60-90 days in order to see if there is solution to avoid foreclosure that Shellpoint may have overlooked for our particular situation. I realize that at my age ( XXXX ) we will most likely eventually lose the house but based on income how would like to be able to stay a little longer before having to uproot. I have owned 2 homes in my lifetime, the current one since XXXX. The only reason I defaulted originally was an unexpexted loss in income 'in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have written numerous letters to Experian on the following dates below requesting Experian to validate this information with the XXXX XXXX XXXX Federal Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

I am formally requesting that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. 

Per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and I am keeping careful record of your actions, including Experian Method of Verification. I do not consent to XXXX or any means of automated verification. 

I continuously receive correspondence from Experian still reporting Bankruptcy # XXXX in the amount of {$0.00} dated XX/XX/XXXX stating that it has been verified through XXXX XXXX. 

However, I have a security freeze on my XXXX report. In addition, the courts do not provide information to the credit reporting agencies or bureaus. 

So my question is how is Experian is verifying information from XXXX XXXX when I have a security freeze on my XXXX XXXX report? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2019-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Issue : There are Contingency Funds, which were financed in my XXXX Loan. These Funds were supposed to made available to me. My loan was sold to a servicer. I inquired to the Loan Servicer about these Contingency Funds. And what the process was to use the remaining funds. I was told that I had to have my contractor submit an invoice for the work to be completed. I was never given any additional information on dates or restrictions. After the final draw was sent. I inquired again and then was told that I would not receive the Contingency Funds. As my loan was closed and the money was applied to the principal balance. When reviewing the document I signed. It states that there is a HUD form to be completed. Requesting the Contingency Funds. Any remaining Contingency Funds would be applied to the principal balance. I was 'never ' allotted an opportunity to use these funds. Nor was I advised of the required HUD document when I inquired about the process. I was provided inaccurate information.

Company response to consumer: Closed with explanation