vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Me and my husband opened in XXXX a checking and savings account in JP Morgan Chase. I'm a U.S. Citizen and my husband a XXXX XXXX. On XX/XX/XXXX, we were informed by Chase that they were closing our joint account because " we are no longer offer personal and business banking accounts to current or former non US officials, their immediate families or close associates ''. Same thing with our credit cards. Chase gave us a 10 days notice. 

It's my belief that as a result of Chase 's new policy there is an evident discriminatory action against myself solely because I'm married to a " non - U.S. official ''. It's also evident that is my marital status the alleged cause to terminate with very short notice the banking and credit card services in the middle of the COVID-19 emergency. When establishing this policy, Chase is refusing beforehand to provide me with banking services not only in the present but in the future, when my husband retires from the Foreign Service and becomes a " former non -U.S. officials ''. 

By the way, I was a client in good standing and my two personal credit card accounts have been always properly managed. So please, take action and make Chase stop this discriminatory practice against US married to foreign diplomats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am confused. I believe Huntington bank has not filed a proper release of lien letter for XXXX XXXX XXXX in XXXX XXXX PA. I have tried to contact them but no response.This loan was fromXXXX I believe they filed it in Ohio, but I dont believe it was transferred to XXXX count?. Could this be why XXXX XXXX  did not pickup their release of Lien? I apparently don't have clear certificate of Title. Perhaps the title search show that the Lien filed in Ohio but does not show up in XXXX County PA? Please tell them to file the release of lien in XXXX County PA. Or provide a quit claim document to me from them and file in XXXX count PA. It shows they filed the Lien in XXXX County, they should be able to file the release in XXXX county as well? This is causing a cloud on the title and prohibiting me from getting a certificate of Title and refinancing. 

I request they provide an Abstract of title for XXXX XXXX ensuring their job is complete and I will not have any more issues. In addition I as they provide me a Warranty Deed to ensure this will never happen again. 

Thank you, Huntington Case # : XXXX CFPB Case # XXXX XXXX XXXX After recording return to : The Huntington National Bank XXXX XXXX XXXX, XXXX XXXX XXXX Oh XXXX Parcel # XXXX AND XXXX SATISFACTION PIECE Pennsylvania Loan Number XXXX I do hereby certify that this address is the property address and belongs to the mortgagor : XXXX XXXX XXXX XXXX PA XXXX XXXX Name of Mortgagor : XXXX XXXX XXXX AND XXXX XXXX XXXX , HUSBAND AND WIFE Name of Mortgagee : THE HUNTINGTON NATIONAL BANK Date of Mortgage : XX/XX/12 Original Mortgage Debit : {$280000.00} Mortgage Recorded on XX/XX/12 in the office of the recorder of deeds of XXXX County, Pennsylvania , Township of XXXX recorded in Mortgage Book/Volume XXXX Page XXXX Document Number XXXX said mortgage assigned to NA in book NA page NA further assigned to NA book NA page NA. No Legal Required The undersigned hereby certifies that the debt secured by the above mentioned mortgage has been fully paid and discharged and that upon the record in hereof said mortgage shall be and is hereby fully and forever satisfied and discharged. 

In witness whereof as The Huntington National Bank as caused this instrument to be executed in its corporate name by its XXXX XXXX XXXX, Assistant Vice President on XXXX XXXX. 
The Huntington National Bank XXXX XXXX XXXX, Assistant Vice President STATE OF Ohio COUNTY OF XXXX On XXXX. XXXX, XXXX before me, the undersigned notary public personally appeared XXXX XXXX XXXX who acknowledged XXXX to be the Assistant Vice President of The Huntington National Bank and that he'she as such being authorized so to do, executed the foregoing instrument for purposes therein contained, by signing the name of the corporation by himself'herself as such corporate officer. In testimony whereof, I have hereunto set my hand and official seal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These account does not belong to me. It was was opened XX/XX/2020. 

XXXX Account number unknown. 

Equifax was made aware over 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: AZ

Complaint narrative:
I have received a collection letter from a collection company demanding payment of {$39000.00} in conjunction with an alleged student loan that is not and was not mine. The date of origination of this alleged loan is XX/XX/XXXX, and the alleged date of default is XX/XX/XXXX. This is perhaps the tenth collections company over the past six or more years that has contacted me about this and each time I have advised that this is not my debt. Each company goes on to sell the alleged debt to another company. I'm tired of this. This most recent company threatens to report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
try to link debit card to bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: PA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card with Chase. My application got denied. This caused a hard inquiry on my credit report. A few minutes later ( in the same day ), on XX/XX/XXXX, I requested a credit line increase on my existing credit card. This happened via secure message communication. I followed the process, but I clearly stated that I did not give my consent to pull another credit report in the same day, instead, I suggested using the same credit report that Chase pulled from XXXX  on XX/XX/XXXX. Despite my clear statement making it clear that I did not give my consent, Chase pulled a second credit report on XX/XX/XXXX, and caused a second Hard Inquiry. I clearly stated " use the same report and do not obtain a second copy ''. You can verify this in my attachments named : " No Consent for Credit Report.pdf ''. Therefore, a hard inquiry was caused without my consent. 

I tried to solve this problem with Chase Bank several times. Both in writing via secure messages, and several times on the phone. The customer service of Chase leaves me hanging. The only answer I got is that they will provide me with findings. I am not interested in the findings. I need a clear and transparent answer, and also I demand Chase Bank to remove the second hard inquiry that was caused without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Hello I paid {$130.00} to someone on Cash app on Wednesday XXXX XXXX. She did not send my items to me. She blocked me on XXXX. I have found out that she has done this to multiple people. She is a scammer. She is selling items on XXXX but not sending them to the customer once we purchase. She needs to be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Because of COVID, and my job being 100 % Commission, I fell behind 2 payments, but was in contact with Flagship the entire time. They assured me that due to COVID, it would not effect my credit. I paid the car off and my credit score dropped 100 points. When I called Flagship, they assured me it would take care of itself the next month ... .IT DID NOT. I would like my credit score fixed, please, and this taken care of. 
Thank you, 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 2020-07-26 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: AR

Complaint narrative:
On XX/XX/2020 I mailed out a letter to Transunion Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Transunion since my initial dispute. My dispute included accounts XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Transunion has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Transunion must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

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 2020-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I have been out of work for two weeks due to results pending for my daughter. I will not be able to make mortgage for the month of XXXX and struggle with XXXX mortgage due to caching up on other bills that I will be behind on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I made a reservation for a property rental in Washington DC on XX/XX/2020 to attend my daughter 's XXXX XXXX  ceremony from XXXX in XXXX. I used XXXX. The company that manages the property I was to stay at is XXXX XXXX. Per XXXX  policy the reservation could be cancelled through XX/XX/2020 with no fees incurred. I attempted to cancel via XXXX but their app/site was non-responsive and provided error messages. This was right when the president 's pandemic shut down went into effect. I called the property and advised I was cancelling. They delayed returning my call and when they did the individual said he was going to email me a form to sign authorizing a charge of a 'reduced rate ' of {$1200.00}. I told him I had cancelled via XXXX per terms. XXXX will not answer their phone and I have tried connecting them several times. This charge is fraudulent as I did cancel by the required date to avoid any fees. XXXX XXXX, the merchant sent me via email a credit card authorization form which I did NOT sign nor return. This is fraud. They send AMEX copies of online email forms where THEY, XXXX XXXX, keyed their own terms into a XXXX reply. Why would XXXX XXXX generate an email with an 'chard card authorization form ' - which I DID NOT SIGN nor return to them? They KNOW they do not have my authorization for the charge. It is fraud. I expect American Express to reverse this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
trying to connect my bank account for installment loans and managing my monthly bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Back in XXXX I sent my credit card company a hand written letter in much detail about charges I did not make. After a month or so they tell me I did not send enough information. 
I sent them exactly everything I could including dates, amounts, why I was disputing it. 
I simply had no more info. They tell me they will issue me a temp credit while they investigate which they never did. More time passes and they keep telling me they are investigating. They tell me with no reason it is closed. I am told I can re-issue the dispute which I did again and they will not tell me anything. 
I keep getting the run around. I am out of options and will not pay disputed amount and am afraid it will affect my credit in a negative fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: AR

Complaint narrative:
On XX/XX/2020 I mailed out a letter to Equifax Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Equifax since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Equifax has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Equifax must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2020 I mailed out a letter to Experian Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Experian since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Experian has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Experian must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

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 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Bought a third party card ( XXXX XXXX ) so I do online purchases without using my primary bank card.My bank won't allow this function.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours
State: TX

Complaint narrative:
My account wont link when it already has previously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I tried to use the XXXX app and it said that pnc bank set it up so that I cant do it I want that changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: IN

Complaint narrative:
FRAUDULENT COMPANY/SCAM ALERT!! PLEASE NOTIFY ADDITIONAL REGULATORS - On XX/XX/20 - Paramount Recovery XXXX reported yet another fraudulent account to my credit file - this time a debt that does not belong to me was reported to XXXX  as a " Not Paid '' Account. I have no idea what this is for or for what Company. I do not have any outstanding bills.Additionally, I have not received any letters from this Company nor any information allowing me an opportunity to dispute. I believe this is a scam and an attempt by this Company to collect on a debt that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: Exeter Finance, LLC.
State: MA

Complaint narrative:
During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.

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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.

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 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: KY

Complaint narrative:
All I want to do is login to a account on a app that I all ready have ... this is doing to much

Company response to consumer: Closed with explanation