vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello : Almost 2 years ago Chase Bank closed my law firm bank account ending in XXXX arbitrarily, capriciously, unethically, immorally, illegally and without remorse, for apparently no legitimate reason, other than what I reported to you may have been due to discrimination, political, targeting, or other malicious reasons. I have recently filed a complaint with your office about how this action is now being repeated at my current law firm bank account with XXXX ending in XXXX, and this is currently an open complaint at your office. Now please see this attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, which I literally just received, that appears to admit what I complained about before in my complaints against Chase Bank, and coincidentally arrived just when XXXX has prepared to close my account unfairly, without reason, again causing massive disruption, destruction, destabilization, disorientation, humiliation, and blacklisting of me and my law firm, and consequently my little baby XXXX who is only XXXX years old, for whom I opened up a small starter bank account with XXXX with his aunts birthday gift money of {$500.00}, and now towards my loving wife XXXX who we also opened up a bank account with XXXX a few weeks ago. Please look at my previous complaints against Chase Bank, re-open them in light of this new and attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, and also use it to look at my most recent complaint against XXXX, currently open at your office, to see if it shares any commonalities to the criminal and civil allegations that I raised, therein. I even visited the physical Chase Bank branch on XXXX XXXX, XXXX XXXX, NY XXXX this past week where I spoke with XXXX, this personal banker who both sheparded and supervised this Chase Bank closure 2 years ago, and although he said that he would get back to me about the attached letter, he never did. His equivalent at XXXX, who also promised to get back to me this past week was XXXX XXXX at the XXXX XXXX, XXXX XXXX NY XXXX, as well as his counterparts at the XXXX XXXX XXXX branches XXXX XXXX and XXXX XXXX XXXX, who seemed to both mock and trivialize these troubling events. Please urgently investigate and advise, as these people have also blacklisted me from banking at their banks, and other banks whom they share information with, thus depriving me of life, liberty, property in violation of the United States Constitution and my inalienable human rights and civil liberties as a quasi-governmental body since they are dependent on loans/money from the federal and state and local government. I enclose a few articles that I wrote recently and a few years ago wherein these banks misconduct and bad behavior inspired me to write a few op-eds about their collective actions - see XXXXXXXX  : XXXX and XXXX : XXXX Kind regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery had called me and I tried to negotiate money owed down to a smaller amount. They would not agree. Now the this old enough to come off my credit report. Its been 5 years and should be removed. Money owed is {$500.00}. the account was opened in XX/XX/XXXX, XXXX the original creditor is XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I received a bill from Amerihome mortgage company for about XXXX more than my mortgage payment normally is. I have attempted to call Amerihome and can never get through do to Covid they claim and wait times are outrageous. So I called XXXX the XXXX th of febuary at XXXX XXXX and spoke with a XXXX she stated that my insurance had gone up and that was the reason for the increase. My wife had contacted our home insurance provider XXXX to question the validity of this claim prior to my phone call because Amerihome charged us more money last year claiming the same reason. XXXX at XXXX explained that our policy is up to date and there are no issues.She also stated that our premium had gone up XXXX dollars for last year and that they did not have a quote for this up coming year.I attempted to make my XXXX mortgage payment with XXXX and a XXXX a escalation manager and was told I had to pay the extra XXXX dollars.I explained to XXXX that I was struggling to make the regular payment and reminded her the we are in a pandemic as Amerihome conveniently uses to excuse the long hold times while waiting to speak to someone.XXXX stated that I had to pay the XXXX or I could not make a payment at all.I told her that I could not afford that at this time and explain that I was not even notified about the increase and that we are all in a pandemic. She would not allow me to pay what I had, Amerihome is forcing me to be late on my mortgage payment .I quess this pandemic reality only can work for Amerihome and not the general public. Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I transferred {$100.00}, {$100.00} and {$460.00} from our joint checking to our joint brokerage on XX/XX/2021 and it is showing deducted from our joint checking account, but is not showing in our joint brokerage account. It has been over 48 hours and they keep promising me that it will get fixed, but it hasn't been fixed yet. I wanted to invest that money on XXXX by buying shares of the ETFs I own, but I was prevented from doing that. XXXX is preventing me from investing that money. They even refuse to put the money back into my checking account. 

Attached are screenshots of the deductions from the checking and the lack of deposit into the brokerage.

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 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX had called me and I tried to negotiate money owed down to a smaller amount. They would not agree. Now the this old enough to come off my credit report. Its been 5 years and should be removed. Money owed is {$500.00}. the account was opened in XX/XX/XXXX, XXXX the original creditor is XXXX CAPITAL ONE BANK USA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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 — Problem with personal statement of dispute
Company: Asset Management Outsourcing, Inc.
State: VA

Complaint narrative:
Use false, deceptive, and misleading representation of different claims amount to collect the debt. 
The XXXXXXXX XXXX ( original creditor -XXXX XXXX XXXXXXXX is the collector ) has alleged or claimed three ( 3 ) different of Non verified and Non validated owed money. 
{$7700.00} {$7700.00} {$8600.00} Do I know the amount? 
I have no idea about the amount its ( 3 ) different unverified and invalidated amounts It was not resolved the billing dispute with XXXX for more than ( 5 ) years. It is still unclear to me what about their false owed of ( 3 ) different amounts for the SAME issue or claim. 
Date Description for letter/Document Amount US $ Document # XXXX 2nd Party, sent a collection letter XXXX ( Doc # XXXX ) XXXX XXXX XXXX Conclusion 3rd Party Bills 2nd Party, sent an attached file from the original creditor ( 3rd Party ) for the details of the alleged /claimed XXXXXXXX ( XXXX ) + ( XXXX ) + ( XXXX ) ( 3rd Party ) Bill ( 3rd Party ) Bill Amount different from XXXX To XX/XX/XXXX Amount different from XXXX To XXXX XXXX Amount different from XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Doc # XXXX ) XXXX XXXX  XXXX ( Doc # XXXX ) -XXXX ( Doc # XXXX ) XXXX XXXXXXXX XXXX ( 4th Party ) - Original Amount ... - Balance Amount XXXX XXXX ( Doc # XXXX ). 
XXXX XXXX XXXX XXXX : Track my credit score with XXXX  Credit Report/account and balances /account of payment details XXXX ( Doc # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im writing because I recently filed a CFPB complaints about my late payments on my student loans and both Transunion and XXXX came back and said the information was verified but XXXX  deleted all my student because the information was not verified if this is the same account why are the bureau reporting different things I was asking that the late payments be deleted but now Im asking that the whole account be deleted for reporting inaccurate information

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
My funds are on hold with us bank ReliaCard after verifying my Identification over 5 times. I verified my identity with unemployment and now I have to continue to wait until they get around to verifying me. I submitted my identification again today and again they told me to wait 3-5 business days. Im going to be homeless if this continues. This is my last resort please 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 explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I committed to a loan of {$150000.00}. When I got the original loan I was told there would be 180 payments and that would be it. During the course of the loan, I made 179 regular payments. I also had 87 " Unscheduled Payments '' in small amounts. I had 5 deferrals ( called Extension Reversals ) in the amount of {$990.00}. None of this {$990.00} was applied to interest. It just disappears with no effect on any balances. Every regular payment following an " Extension Reversal '' had the entire payment applied to interest and nothing to principal. In addition, I noticed, in just a cursory glance, that there are several regular payments where the interest/principal is out of proportion to the pattern of the loan. Attached is a copy of the spreadsheet. Pertinent dates to look at include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the payment directly following these " Extension Reversals ''. I would think that 180 regular payments, as agreed to originally, would satisfy the obligation. Something does not add up. 5 " Extension Reversals '' should not add $ XXXX to the course of the loan thus creating a balloon payment. I was never advised that this would happen or for the few hundred dollars more, I never would have deferred anything. 
Basically, I paid fees of {$5000.00} to defer loan payments 5 times and somehow this added over {$11000.00} to the end of my loan. So, I am out {$17000.00}! At the very least I find this to be unethical, predatory treatment of a longtime customer of this bank.

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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
There was charges on my card that i did not authorize and i files clam, well i did get my money back on my card, and then they said i had to show and prove my idenity for them to issue me a new card. I sent them this information by fax and by email 4 different times, i called both parties and talked to a few mangers and one day they say we are speeding pricess up the next says re summit and i am so over this i dint issue my card unployment did told them call them they wont im just over trying to get a new card. 

aslo would not allow me to change my address the address on this account is XXXX XXXX XXXX XXXX XXXX NE, 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 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: GA

Complaint narrative:
Date- 2020 Amount- {$1600.00} Action-Reported to XXXX I have contacted this company and ask for proof of verification more than once and still no response. XXXX removed it for 4 months but replaced it on my credit file in XX/XX/2020. It is not mine and is ruining my financial credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: AZ

Complaint narrative:
The number XXXX has been calling me everyday. It is the law office of Arnold Scott Harris. I called them on XX/XX/XXXX to inquire about the debt and confirmed that it wasnt mine. It alleged I had a ticket in the city of XXXX. I have not been to XXXX in the last five years. The representative informed me that they would correct this. They never did. They lied. They have relentlessly harassed me everyday and it is wrongfully impacting my credit score. I do not have this debt. They are trying to get money out of me I dont owe. They call 1-2 times a day. Because they havent stopped calling me I assume its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 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: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
My debit card was either lost or stolen. Someone used my debit card to buy something. Ive shut down that debit card and it can no longer be used. I was issued a new card. But the money was not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC
State: MI

Complaint narrative:
A form was faxed to a doctor office in the same building I work stating I owe for a loan I never applied for. The the has everything wrong except my name and job. A email listed job phone number and fax. My bank account was compromise a few ago when my purse was stolen so I closed the account and had to replace all my belongings that was in there. I did the company I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received my payroll card but never activated it. I received a mew payroll card because i lost the other one. My company informed me i have to contact wisely to get the remaining funds from my other account/card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: GA

Complaint narrative:
All of XXXX XXXX EQUIFAX Collection Company XXXX XXXX Amount {$1600.00} Equifax deleted the information from XXXX XXXX after 120 day investigation only to place the information back on my report in XX/XX/XXXX and XX/XX/XXXX which it still remains. It only seems to disappear after I contact the CFPB and file a complaint. I have ask for proof of verification several times in XXXX but never received it. 
Equifax is the only company that this problem still consist with and I turned in a police report that the company says they can not locate anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( Experian ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( Experian ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information Experian has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) Experian has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
ACCORDING TO BJ 'S Comenity Mastercard, my full payment of the balance of {$110.00} due by XX/XX/XXXX was received on XX/XX/XXXX ; that is, they claim, 3 days late. Therefore, I was charged a late fee of {$35.00} on my payment, plus interest of {$2.00}. The late penalty, in other words, was more than 33 % of the actual amount owed. 

I protested by telephone on XX/XX/XXXX, and was told by three successive representatives at Comenity that this charge could NOT be waived even in the midst of USPS difficulties caused at least in part by Covid-19 because I had made a late payment 11 months earlier. In light of such unreasonableness in the midst of a PANDEMIC, when postal services are beyond a persons control, I told the representative to cancel my Comenity BJ Perks Mastercard. 

I then mailed a check for the entire amount billed including that disputed late fee - {$260.00}. 

I RECEIVED NO BILLS AFTER THAT, and assumed the matter, as well as the account, was closed. However, two bills showed up in my mailbox this week on XX/XX/XXXX. NEITHER ENVELOPE DISPLAYED A POSTMARK INDICATING THE DATE OF MAILING. 

One bill claimed my XXXX payment of {$260.00} had been received TWO days late, on XX/XX/XXXX. I was AGAIN charged a late fee of {$35.00}, plus interest of {$3.00}, all of it due by XXXX, XX/XX/XXXX, which obviously was impossible, since I didnt receive it until XX/XX/XXXX. 

The second bill added a {$37.00} late fee for nonpayment of the late fee in the prior ( UNRECEIVED ) BILL, for a total of {$75.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 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: NJ

Complaint narrative:
I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.

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 2021-02-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested my credit be permanently unfrozen with XXXX and Experian on XX/XX/2021. XXXX XXXX XXXX XXXX XXXXXXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact Experian and XXXX by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. 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 non-monetary relief