vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: NJ

Complaint narrative:
Talked to chase we arranged a payment for the end of XXXX to be caught up on payments. Made a XXXX payment XXXX first they closed my account XX/XX/XXXX even though I made the payment 29 days early. They did not tell me they were closing account nor did they give me a reason why. Has since paid off in full and no longer want to do business with them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX  XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in 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 2019-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
1. I had a HELOC from XXXX XXXX XXXX that reached it's end of drawdown period on XX/XX/XXXX. The XXXX account number is XXXX 2. I owe approximately {$20000.00} on the HELOC. 


3. The HELOC was subsequently sold to Specialized Loan Servicing. The account number is XXXX. 


4. The payment amount due after the drawdown period ended ( the Second Payment Stream ) according to the signed Loan Agreement, dated XX/XX/XXXX, and the Transfer Letter from XXXX, dated XX/XX/XXXX, was to be 1.5 % of the outstanding amount per month which includes principal and interest. 


5. I confirmed that the monthly payment of 1.5 % would include principal and interest with a loan servicer at XXXX named XXXX on or about XX/XX/XXXX. She, in turn, confirmed that with XXXX XXXX XXXX 's legal department. 


6. The loan servicer at XXXX XXXX Mortgage also said that XXXX has historically and always calculated the monthly payment due after the drawdown period ends for interest and principal as 1.5 % of the outstanding amount. 


7. Interest on this HELOC is pegged to the prime rate, currently 5.5 % per annum. On the outstanding balance of {$20000.00} that comes to {$3.00} per diem, or {$96.00} on a 31 day month. 


8. At 1.5 %, the monthly payment on {$20000.00} would total {$300.00}. The interest breakout would be {$96.00} and the principal amount would be {$210.00}. 


9. Specialized Loan Servicing, the new owner of the loan, unilaterally changed the terms of the Agreement. 


10. Specialized Loan Servicing is now demanding that I pay 1.5 % of the principal due each month PLUS interest. 


11. Thus, the monthly payment according to Specialized Loan Servicing would be {$300.00} PLUS interest of {$96.00} for a total payment due of {$400.00}. 


12. This would be {$96.00} more per month due, creating an onerous additional payment and abrogating the original signed contract ( the Agreement ) and Transfer Letter.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My mother, XXXX XXXX, who's an elderly senior woman had {$6900.00} with XXXX XXXX ( account number : XXXX ) that allegedly went missing because it was somehow withdrawn by me, XXXX XXXX, her son, who's listed on this account as a Minor. We recently spoke to two different PNC Banks in the XXXX XXXX, Illinois area, to help us figure out what happened to the money, but on both occasions the managers there stated they didn't have access to the records even though PNC Bank acquired XXXX XXXX. The manager at one site suggested writing PNC Bank headquarters because there wasn't an email or phone number to use, so a written letter was mailed to PNC Bank Headquarters. An agent of PNC Bank by the name of XXXX XXXX, Retail Escalation Manager, states letter was received on XX/XX/2019. However, no statement of effort was made in the reply about where the money went or what PNC Bank is doing to find the lost money besides Mr. XXXX stating he wants to talk further over the phone. The correspondence received from Mr. XXXX, dated XX/XX/2019, doesn't ask about what other details they may need, if any ( which we already provided to his colleague over the phone anyway ), or, again, what they're doing to resolve our concern. 

It appears my mother was a victim of elderly fraud and we hope PNC Bank has an ethical responsibility of helping my mother who's an U.S. citizen with limited-English proficiency. 

Any help is greatly appreciated in closing this matter in our favor. 

Thank you for your time and consideration. XXXX bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear CFBP This is not a duplicate complaint as it does not relate to CFBP case # XXXX. I am filing a complaint against Citi ( CBNA ) for not giving me the required documentation to file a FTC  identity theft report relating to unauthorized inquiries from my credit report. They were requested to either remove the unauthorized inquires or give me the signed application and IP address used to submit so a FTC identity theft report could be filed. Citi was informed via certified mail that they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. They did not read my complaint or provide the requested documentation proving that these were in fact authorized so a FTC report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report or provide the required documentation for a FTC identity theft report to be filed. Thanks, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered 2 vitamins from different companies, 1.  XXXX and 2. 
XXXX XXXX. They billed my checking account, XXXX, card XXXX, for {$4.00} and XXXX XXXX , {$4.00} on XX/XX/2019, and that was ok. I called to their numbers, XXXX XXXX and XXXX XXXX , XXXX and cancelled, they insist on you staying on, but I said all I wanted was my introductory offer, I do not order these anymore because of this trickery. They also do not send confirmation emails. Then I notice on my checking online charges of, 1. XXXX, $ {$93.00} 2. XXXX, {$93.00} on XX/XX/2019, I immediately called to me bank and filed a dispute, they credited my account or blocked my account, because unfortunately I lost the card these companies had information on and one after that, but I found the one after that but it was too late and I have the card that followed after that today.So XX/XX/2019, Chase Bank wrote up the dispute, credited my account and began their investigation. I thought for sure they would find in my favor as the company didnt take longer than a week and a half to bill my account, it reached my bank for charge 2 week XXXX the XXXX to XXXX before the XXXX when they sent their billing and I had unfortuanately lost that card and then one after that, so they were on standby for no other reason but my misfortune.So I get a letter from Chase Bank dated XX/XX/2019, that they had completed their investigation and had found the transaction was processed correctly. 
I remembered your agency when I worked for CA Consumer Affairs, I told Chase I was suing them in small claims court, the manager kept asking are you going to sue Chase Bank and then I remembered you guys who oversee this type of business, so I'm bringing it to you guys, I do not believe that Chase acted correctly as they stated, these companies provide no documentation of cancellation, i CALLED THEM AGAIN AND GOT CONFIRMATION I WAS CANCELLED, Please have these companies or Chase reimburse my monies, 1.  XXXX, $ {$93.00} and 2. XXXX XXXX, {$93.00} on XX/XX/2019, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.

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 2019-08-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase credit card was opened by XXXX XXXX ex married family has me stuck in unknown debt i dont know what to do over this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I changed my banking apps and when I filled in the address for my mortgage company I used the address on the letter head not realizing it was different than the address on the payment slip. When I made my first two payments on XX/XX/XXXX and XX/XX/XXXX they were sent to the wrong place. The problem is they cashed the checks and never put them towards my account. I have sent copies of cashed checks, had a three way call with the mortgage company my bank and myself confirming the money had been transferred, and a letter written by my bank all confirming they had received the money. The payment on XX/XX/XXXX was for XXXX and the payment on XX/XX/XXXX was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Era Asset Management, LLC
State: FL

Complaint narrative:
I got a message on my voice mail this morning. This is the transcript : " Hi this message is intended for____in regards to___ My name is XXXX XXXX I'm with new era asses management. This is not a sales call. Please return the call at your earliest convenience. Mr.____ for whatever reason I have your number on file here as a contact number for____ I have a matter of hers that was forwarded to my office that requires an immediate response. I can be reached directly at ( XXXX ) XXXX Calling back please refer to file number XXXX I will be in the office today until XXXX eastern time. '' The person called myself and my husband and are trying to collect from my mother in law. According to her she does not owe anything to any credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow-up to an earlier complaint ( # XXXX ), Wells Fargo sent a letter to me, dated XX/XX/19, stating that they could not address issues related to my son XXXX 's account without a letter from him. XXXX sent them a letter, signed by him, on XX/XX/19. A Word copy is attached. I have called the bank to point this out. The person who wrote the letter refuses to talk to me, and said file another complaint. So I am doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have had some issues with my information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
It came to my attention that theres some incorrect information/ accounts that were not mine, never were mine and ive never cosigned or allowed my information to be used heres the accounts below 1. cbna - {$190.00} XX/XX/XXXX2.XXXX XXXX {$0.00} -XX/XX/XXXX 3.XXXX XXXX {$0.00} -XX/XX/XXXX4. best buy/cbna {$240.00} -XX/XX/XXXX 5.macys/dsnb - {$500.00} -07/2017 6. verizon {$1000.00} -06/2017 7. amsher XX/XX/XXXX ( XX/XX/XXXX ) {$160.00} -XX/XX/XXXX 8.XX/XX/XXXX {$1000.00} 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 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXXt/Synchrony Bank charged {$1400.00} interest on a {$1600.00} balance. 
They are refusing to take it off and they are stating those were the terms. This account was opened by a vendor to pay for installing an ac in 2017. The initial amount was about {$3300.00}. Now, after a year and some change of paying it is at {$3000.00}. I spoke to the manager and she told me that 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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: NY

Complaint narrative:
I am writing because my wife has been receiving phone calls from Hunter Warfield, a debt collection agency, regarding a debt we owe through XXXX XXXX for a lease at an apartment we were staying at until XX/XX/XXXX. We moved to XXXX  XXXX from XXXX  in XXXX and I notified the management company we would be moving to XXXX   XXXX at that time as I was relocating for school and work. They did tell me that I may end up paying the remainder of the rent for the lease so that is fine. What isn't fine is that the lady, named XXXX, from Hunter Warfield has been calling and threatening that XXXX will sue us if we don't pay soon. I didn't think she could make that claim on behalf of XXXX since she works for Hunter Warfield and claims XXXX still owns the debt. We tried to offer several payment plans, including {$150.00} dollars for roughly 16 months which would clear the debt but they claim this isn't sufficient enough. She then claimed that if we get a judgement against us, they can come after our financial aid as we are both in school currently. Then towards the end of the last conversation, my wife gave XXXX my phone number as I am more versed in consumer rights and protections and XXXX began asking invasive questions regarding whether I lived with my wife or not, if I wasn't in the picture and why my wife and I " don't discuss are finances ''. I took that as very personally harassing. The recent calls from XXXX were on XX/XX/XXXX at XXXX XXXX EST and XX/XX/XXXX at XXXX XXXX EST.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received emails from Experian starting XXXX, that showed re-inserted or reappearing accounts on my credit report that were DELETED several months ago between XX/XX/2019-XX/XX/2019. Their were two accounts by XXXX XXXX XX/XX/XXXX & one account by XXXX XXXX XXXX XXXX that was Deleted. Experian has for some reason decided to re-insert these accounts onto my credit report without legal justification. Please help see to it that these accounts are removed or I will pursue a legal suit against Experian. Experian is in violation of the Fair Credit Reporting Act under Section 611. Thank you.

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 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX/XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX  ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX  ( XX/XX/XXXX ) 08 XXXX  XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

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 2019-08-06 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: Rocket Mortgage, LLC
State: ID

Complaint narrative:
Quicken Loans ran my credit ( hard inquiry ) without ever speaking to me or gaining permission on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX Chase returned a check for {$750.00} that is automatically withdrawn from our check account every 14 days. We called Chase numerous times to find out why the check had been returned and Chase that they had no record of this and then sent a letter stated that we were late on our payments. Then also reported it to collections after telling us that we didnt owe anything. This again happened on XX/XX/XXXX and XX/XX/XXXX. This has been an on going issue since XX/XX/XXXX and we have not been able to resolve the problem.

Company response to consumer: Closed with explanation