vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Acceptances by CHASE BANK on account number ending in XXXX Certificate Of Non-Response I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. 

On the dates of XX/XX/2022 and XX/XX/2022, CHASE BANK at CHASE Payments Processing XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX received a remittance/coupon payment via United States Postal Service Priority Mail XXXX The corresponding tracking number is ( XXXX XXXX XXXX XXXX ) as verified by Certificate Of Service. 

After acceptance of mailing, CHASE BANK refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. 

CHASE BANK did not cure their dishonor. CHASE BANK gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. 

Despite the numerous phone calls to multiple CHASE BANK departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office XXXX Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CHASE BANK has willingly and knowingly ignored federal law. 

Sources : Bill Of Exhange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent in a handwritten request ( attached XXXX  ) to BSI Financial to have PMI removed from my loan because I had fulfilled all the requirements as outlined by my contract and by XXXX XXXX  to have PMI removed. I had reached the 80 % LTV ratio and was current on my payments. The loan balance on the date the request was sent in was $ XXXX original purchase price in XX/XX/XXXX was {$250000.00} ( see XXXX ), the original appraisal was at {$260000.00} ( see XXXX ), and the original loan amount was {$230000.00}. 
The Private Mortgage Insurance Disclosure ( see PMI XXXX ) of my contract states that " You have the right to request that PMI be canceled on or after the following dates : [ ... ] The date the principal balance actually reaches 80 % of the original value of the property based solely on your actual loan payments. 
" 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. '' Additionally, since my loan is a XXXX XXXX loan, the XXXX XXXX servicing guide ( XXXX XXXX XXXXXXXX  ) Section B-8.1.-04 states for " borrower-initiated termination of conventional mortgage insurance based on the original value of the property [ ... ] if the mortgage loan is secured by [ ... ] a one-unit principal residence [ ... ] then the LTV ratio eligibility is met on the date the mortgage loan balance is first scheduled to reach 80 % ( or actually reaches 80 % ) of the original value of the property. '' Given the definitions of original value and LTV ratio outlined both in my mortgage and by XXXX XXXX, my LTV ratio on XX/XX/XXXX would be 78 % ( $ XXXX {$250000.00} ) - the loan amount divided by the original contract sales price of the property. 
One month later, I received notice that my request to have PMI removed was denied on the basis that the principal balance had not reached 80 %. In talking with representatives at BSI Financial, it turns out that they were using the original loan amount of {$230000.00} instead of the original contract sales price of the property of {$250000.00}. I have since had several back and forth phone communications with BSI Financial, and they continue to use the original loan amount despite having sent to them what it says both in my mortgage contract and in the XXXX XXXX servicing guide. They refuse to acknowledge both my contract and the XXXX XXXX  guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a customer for decades, since the XXXX XXXX times, but unfortunately Chase does not appreciate past long time loyal customer with pristine credit history. 
Chase Bank decided to : 1 ) End the XXXX XXXX XXXX product which was valid until XX/XX/2025, 2 ) Denied me use of my XXXX XXXX XXXX valid until XXXX, and forcefully migrated me to a new product called the XXXX XXXX XXXX XXXX, 3 ) The new product is much more expensive, and NOT a MasterCard, unacceptable to me, and have not activated the cards, 4 ) They are denying access to the Club in the airport, although XXXX XXXX  was valid until XX/XX/2025 5 ) Chase Bank has BULLIED me into accepting an unacceptable product, instead of letting long time customers have the CHOICE of keeping their legacy card, 6 ) Charged me an annual fee of {$450.00}, and did not deliver their product or promise, this to me, feels like FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
A person posing as a home owner agreed to lease a house for the deposit and first months rent. I paid these through zelle after having had a multiple conversations with the person on the phone and having visited the property. It was afterwards that some further investigation showed they did not own the property as it was owned by a company who rents out homes. Their name was never listed on the county register.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXXXXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

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 2022-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I'm a XXXX XXXX working XXXX, I applied a credit card with Bank of America, received card within 2 weeks, Once I received my card at my XXXX XXXX address, I was able to activate card but Bank of America placed a fraudulent alert on my card and blocked any usage. I called Bank of America, but due to me not having a US number, they kept stating that they weren't able to authenticate me because they couldn't send me a text message, even tough I was receiving emails and push notifications on mobile APP. Bank of America opened an account but then they couldn't authenticate me, what a joke.. Great service to members of military XXXX?? Now my credit will show opening and closing of an account on my behalf and possibly have taken a hit on my credit report and not to mention I spending over XXXX hours playing phone tag, bein Authenticated back and fourth .... 

Never again I will open any account with Bank Of America as they have fooled me in opening a credit card account but then locking me out of using it.. This has to be clearly against the law, obviously they knew I was XXXX when my address was clearly an XXXX XXXX, to state they can't authenticate me because I'm XXXX is bogus.. 

Attached is email received from bank of America, sending code to register my account with mobile banking ( in which I was able to Register )

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 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe
State: OH

Complaint narrative:
On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Buffalo Lake Lending. Since then, Buffalo Lake Lending has debited my account multiple times using XXXX. These transactions are unauthorized according to Regulation E. 

{$81.00} on XX/XX/2022 {$81.00} on XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AZ

Complaint narrative:
On XX/XX/2022, a debt validation letter was sent to XXXX XXXX via certfied return receipt mail pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. An account appears on my credit report that they allege I owe their company. XXXX XXXX never provided PROOF that they are legally able to collect any monies from me even after I sent a second debt validation request on XX/XX/2022. I have NEVER conducted business with XXXX XXXX ; therefore, they are in violation of the FCRA and FDCPA as long as this account remains on my credit report. 

A Dispute and Deletion letter request was subsequently sent to TransUnion after XXXX XXXX failed to validate per law that I am legally obligated to pay their company ( Tracking number XXXX ). The letter was received more than 30 days ago. I never received a response from TransUnion and the account is still showing on my credit report. TransUnion is hereby legally obligated to remove the XXXX XXXX account per law as a result of failure to respond within the allotted time frame ; therefore, I want the account deleted immediately from all credit reports in order to comply with the FCRA and FDCPA laws.

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 2022-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX XXXXXXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
XX/XX/XXXX Personify debt collectors called husband and shared information. He was never on the loan taken out, so this is a violation. XX/XX/XXXX they called me today and the man was harassing me asking me to open my email so he could trace my XXXX address. 

He called from XXXX asking for a return call to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NV

Complaint narrative:
On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do 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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a mortgage account with US Bank with an attached escrow for property tax and insurance. 

I have fully paid the property tax for 2022 which means there is no liability for tax this year. Despite that US Bank is continuing to collect money in the garb of property tax and refuses to refund the excess escrow. 

I have talked to multiple US Bank agents, their escrow department and their tax department. All of them promise resolution but the level of incompetence in the escrow department is so high that they believe they can continue to collect money form me knowing there is no escrow payment due this year.

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 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn Law Firm has been contacting myself and my employer attempting to collect a debt for XXXX XXXX. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working XXXX and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called Kohn again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by Kohn Law firm. The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from Kohn Law, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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