vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST FINANCIAL BANCORP
State: TX

Complaint narrative:
This issue has been going on for so long that I can no longer keep details straight. Late XXXX/early XX/XX/XXXXI moved funds from an external account to my FFB account in order to XXXX  out the balance and close the account ( due to moving XXXX miles away and being unable to reasonably bank with FFB any longer ). I was then communicated by FFB through their online messaging center that I just needed to send them a message and they would close my account. Weeks later, a bill was somehow taken out of the account because FFB did not close my account as promised, and I was charged a fee. I either paid the fee or it was waived, then I was told AGAIN that the account would be closed once XXXX out, which was done. It has been over 8 months and I continue to receive statements, harassing calls, telling me I owe them HUNDREDS of dollars in fees. This is beyond abusive at this stage and completely out of line. How can a bank get away with not closing an account when asked to, time and time again? I'd spoken to a branch manager about this at some point, raising frustrations, concerns, and sheer panic. I moved, I needed to end my relationship, there's no reason to abuse me by forcing me to maintain an account with them and charging me fee after fee after I XXXX the account out and asked them to close it out, as I was instructed to do. I'm completely at a loss at what to do and demand that all fees be cleared off of me.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Out of the blue I received a letter from Cedar Business Services. They claimed I owed a debt of {$390.00}. I immediately called and discussed the issue with their rep. I forwarded and email proof I had that I had paid this debt ( from 2017 ). 3 weeks after our call Cedar Bus. Services responded to me in email claiming that the payment I made did not 'cover the debt ' and that now my new balance was {$790.00}. That is an unreasonable increase ; and also they have not provided any documentation of me owing anything to anyone.. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MD

Complaint narrative:
Enhanced Recovery Compan has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: NJ

Complaint narrative:
This complaint is a follow-up to already open complaint # XXXX. Please see attached copy of both this new complaint and the prior complaint for background. Company still has not addressed and resolved any of my prior expressed concerns, and JPMorgan 's executive office liaison has not been responsive to my inquiries since opening a CFPB complaint on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I submitted CFPB complaint XXXX regarding information being misreported/missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. 

US Bank sent me a response that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX but so far nothing has reflected on my report even though my other US Bank account has reported since then to XXXX. 

I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with limited to no access to such information who kept transferring me from one department to the other.

Attached is a copy of US Bank response to my first complaint from someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information to further discuss this leaving me with no option but to submit another complaint. I can be reached by email XXXX and phone 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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
I wanted the XX/XX/2020 payment deferred due to COVID-19. Discover refused to allow the deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This was a medical debt of {$1700.00} that I owed to XXXX XXXX, XXXX   and collected by Transworld Systems , Inc. This debt was paid in full by check which was cashed on XX/XX/2020. Payment in full was acknowledged in writing by XXXX XXXX and Transworld Systems, Inc on XX/XX/2020. Since then, I have received monthly requests for payment of an additional {$350.00} despite the fact that I have mailed a response disputing the claim and a copy of the letter stating that the account had been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I called United collection bureau to pay my debt on 2 medical bills. We only have health savings card to pay medical bills with just enough to cover the debt. They wanted to charge {$14.00} free to make the payment. Would not work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX & XXXX XXXX XXXX ( XXXX XXXX XXXX We refinanced our first mortgage on XX/XX/XXXX which was serviced by PHH Mortgage. I have been waiting for the refund of our escrow impound. After two weeks I began calling PHH Mortgage and they keeping telling me they are looking into the matter but after 3 separate calls the answer is the same ; we are checking status and will get back to you. 

Please help me recover my escrow refund. The balance is over {$12000.00} and I had to borrow money to cover the impound account with my new lender. 

PHH Mortgage Services Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Hello, I have a Mortgage payment processing issue I'm currently on a Covid 19 forbearance which started XX/XX/XXXX and ends XX/XX/XXXX. 

I made ( 3 ) Payments and ( 1 ) escrow shortage payment as directed by CSR at the Mortgage Company. 

I know I'm not required to may any payment but I didn't want to get to FAR behind once the forbearance periods ends in XX/XX/XXXX. 

I purchased ( 4 ) United States Postal Service money orders and wrote a " descriptive letter and notated my Mortgage information in detail on each ( 3 ) {$600.00} and the ( 1 ) {$42.00} escrow shortage. Sent them overnight on XX/XX/XXXX via USPS priority mail. 

They were signed, delivered at XXXX on XX/XX/XXXX at the Front desk, mailroom. 
I started calling on XX/XX/XXXX once the " collections calls started coming from the Mortgage Company. TO this day no one can find the " package '' even with the USPS Tracking # which I have the " full history and provided Mortgage Company. 

My call history started on XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX and today and no one has any idea where they are and still no " payment credit to my Mortgage still shows due for XXXX XXXX. 
Today I have spoken to 3 different Departments to no avail. 

I called the FHA HUD FHA Resource Center RE : XXXX. 
I left a message for the XXXX XXXX XXXX and now I'm submitting a complaint. 

Any assistance to the matter or guidance will be greatly appreciated. 

Best Regards,

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
I have been contacted by mail by TRS Recovery Services alleging that I owe for purchases made at Home Depot. 
XX/XX/XXXX XXXX, MN XXXX XXXX for {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX for {$530.00} XX/XX/XXXX XXXX XXXX, MN XXXX XXXX for {$1200.00} All alleged to be in the form of a check ( s ) converted to electronic funds transfer by the merchant with authorization. Whatever that means. I called XXXX XXXX corporate and they have no record of myself writing a check, having a XXXX XXXX credit card, having any large purchases or outstanding debt ( s ) with them in any form. Calling TRS Recovery Services just leads you to voice prompts that divert you to their website where, to dispute a debt, you must provide your Driver License #, Social Security #, address, bank acount # and routing #. I then made a police report - # XXXX with XXXX Police Dept., I have also filed a consumer complaint and action form with MN attorney generals ' office. Furthermore an internet search reveals multiple accounts of false debt collection attempts by TRS Recovery Services in the guise of purchases made at XXXX XXXX and many other businesses - submitted by normal consumers like myself.

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 2020-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
We had gone 8 months with zero late mortgage payments and then Covid hit and our income took a serious hit. We did what we were supposed to do and applied for forbearance in XXXX. It took 3 months to get that approved and in the meantime they counted our XXXX and XXXX payments as late and reported them to the credit bureaus. They then sold our mortgage to another lender who approved our forbearance and we were able to get our account current with them.

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 2020-09-08 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: TX

Complaint narrative:
I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed. 
Accounts false and unknown. The companies have not reached out as well. 

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX removed from XXXX   and Equifax and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Hi i have a CD with bank of america worth XXXX $ that is tied to a business credit card as collateral that is set to expire this month and they said they are gon na renew the CD and not release it from what i read in a letter in the mail ... 

So i want to release the CD and get my money back, i tried calling there phone support and they transfer me to there business team which just automatically hangs up on me or is never open and I tried in branch but they seem to be clueless no one at bank of america seems to want to help with this can you guys please help? 

Thanks!

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello : This complaint centers around my two checking accounts that I have at Chase bank. I have banked with Chase for seven years with no issues until now. 

I was recently laid off from my job as a XXXX  XXXX in XXXX XXXX. I moved back to XXXX  to look for work. I applied for unemployment coverage and was approved thru the state of XXXX. Since all unemployment taxes had been paid to the state of XXXX  I was instructed by XXXX   unemployment AND XXXX unemployment that my benefits would come from XXXX  ( despite the fact that I now live in XXXX  ). Both agencies knew I moved to XXXX. On XX/XX/2020, Chase bank ( with NO NOTICE ) froze all of my accounts. I had to call Chase bank repeatedly and every time I called I was told a different story. Chase bank told me that they were suspicious of my account because I was collecting unemployment from XXXX  but living in XXXX. I explained to them the situation numerous times and was told to provide documentation. I have provided numerous pieces of documentation related to my XXXX  unemployment. I have provided direct emails from the state of XXXX  unemployment office. I have called EVERY DAY for the last 20 days! Every day I speak with a new person. Every day I am told a new story. I have called the state of XXXX  unemployment office and they have stated there is NO problem on their end and that they had never heard of a bank doing this before. 

Please, I just want ( and need ) my money released and sent to me from Chase. I am getting nowhere with them after almost 30 days. I can provide full documentation of all my unemployment benefits and correspondence with the state of XXXX. Chase is such a large company that no one seems to care. Thank you in advance for any help you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-09-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2020 I found fraudulent charges on my Visa account with Bank of America. I spoke with them by phone. They would investigate it. I received a letter with the response that they felt these charges were accurate due to the simple fact that I overlooked them for several months and did not complain about it till XXXX. These charges total over {$7600.00} from XXXX and XXXX XXXX XXXX. I do not and have never used these companies but admit that my book-keeper and myself overlooked those charges. This should not be acceptable because we trusted the system and Bank of America. I called them again and demanded a supervisor. The supervisor said she would re-open the investigation. A few days later I received another letter with the same response as the first letter denying the complaint and leaving me stuck with over {$7600.00} in fraudulent charges

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, an outgoing envelope with check enclosed was stolen from my residential mailbox. The enclosed check # XXXX ( for {$140.00} ) was altered ( quite poorly ) as to payee, date, and amount. The amount was changed to {$8000.00} and was charged to my account # XXXX on XX/XX/XXXX. The theft was discovered on XX/XX/XXXX and immediately reported to the bank, First Horizon Bank ( FHB ) and the XXXX Police Dept ( police report # XXXX ). FHB has been unable or unwilling to reveal the bank or branch where the check was cashed. ALSO, the thief had to know the account balance from FHB in order to leave less than a XXXX dollars in the account. All information and forms requested by FHB were provided on XXXX. It has now been 77 days since the {$8000.00} was removed from the account. I have repeatedly requested of FHB to return the funds with NO response from the bank. I respectfully request your assistance. Thank you. XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The company agreed to refund me to refund the interest charges initially since I was misled by the representative on the online chatting. Called in many times to track the status and they went back on their word after 4 months ' waiting. Really disappointed about their inconstant service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
SageStream , LLC Consumer Office XXXX. XXXX  XXXX XXXX XXXX, CA XXXX : To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on my credit report. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation