vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I have a joint check account with Chase. My husband has had this account for 7 years. Chase closed our account with our prior notification today XX/XX/2018. When I called to find out the reason the only response they would give me is " Chase has reviewed your account and has decided to close it '' My husband and I were both expecting a direct deposit from our job today and when I asked about that money Chase responded that they are holding the money for two business days and then will send a check. The money in my checking account is the only money I have. I have a XXXX year old daughter at home that I need to feed and pay for her daycare. I can not wait for a check to come in the mail. It is unfathomable to me that Chase is allowed to hold my money and not even give me an explanation. Chase even opened up a savings account for me on XX/XX/2018, so there was no issue with my or my account then. I went into a branch to see if they can give me more information and they said " Sometimes chase does this and they wont even give the branch managers information. '' The branch manager saw nothing concerning on our account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. 

I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. 

On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. 

I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. 

I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account.

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 2018-03-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of JP Morgan Chase Corporate Offices, And Chase Banks. As ' of Most Recent, I am still seeing JP Morgan Chase as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. Chase Bank and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XXXX of XXXX in XXXX, XXXX. In XXXX of XXXX, while spending my Summer in XXXX XXXX, XXXX_ I ' found out that ' Chase Bank in XXXX did not. close the Safety Deposit Box after, Papers were Signed in XXXX in XXXX, XXXX. In XXXX, XXXX and XXXX, I ' had asked Chase Bank for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in XXXX a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by JP Morgan Chase, And made Additional Reports to JP Morgan Chase Fraud Prevention with No Success in Continuing Pinpoint Service Errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I write Equifax a letter with my disputes in XXXX. It has been 60 days and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX XXXX  XXXX ( XXXX ) from my XXXX Education Award account from XXXX to pay off the account # : XXXX in full, {$3500.00}, based on the payoff generated on that date. I just came into repayment and the actual payment was not due until XX/XX/XXXX. So, I was trying to pay it off a month before it even came due. According to the education award account system, XXXX is set up to receive payments from them electronically via EFT. The payment was NEVER picked up by them, it sat there " pending institution action '' for two weeks. I emailed them on XX/XX/XXXX, never received a response. I contacted their customer service and spoke to a rep named XXXX on XX/XX/XXXX, she had no idea what was going on, could not provide me with any information regarding the payment, and why they could not access it. Told me I would be called the next day ( XX/XX/XXXX ), as she had to refer this to an area in accounting that handled payments. I never got called and had to call them back. When I called back, I got the same run around, no one knew anything at all. I am now receiving calls via an autodialer regarding payments, even though the payment itself is NOT due until XX/XX/XXXX, almost two weeks from today. I have spoken to three different people and NONE of them have been able to provide ANY rational logical explanation as to WHY the payment was not accessed by XXXX and applied to my account. All I am trying to do is pay off my student loan and they seem incapable of allowing that to happen. I requested to speak to someone in accounting ( since they state that is who would have the answers ) and that request was refused. I asked to speak to a supervisor, same thing. All I want to do is pay off this account with the funds from my XXXX award, why is this alleged FEDERAL student loan servicer incapable of facilitating that process when they are supposed to be participating in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: MD

Complaint narrative:
I want to file a complaint against Paypal. I know there are many as I've been reading the message boards of peoples experiences. They have over {$700.00} XXXX XXXX XXXX of my money and they say they have decided to " part company ''. They say they will hold my money for half a YEAR ( 180 days ) then give it back???? What the heck is that? They give no reason for this decision. I think they do this to people and then use their money for investments. They probably have a sister company making loans using the money they are holding and they need to go to jail. I have been selling on ebay since only XX/XX/XXXX, and have made over 2000, and have made transfers to my checking account 3-4 times with no issues. Then suddenly on XXXX XXXX I have an account limitation, meaning money can come in from buyers, but I can't touch it??? Paypal asks for photo id so I find an old scan of my license on my comp and send it. They close my account. Then I look closely at my scan and it was an expired license with a previous address. So I can see why they would see a red flag. Problem is, they won't let me go to XXXX  and scan my current license ( I no longer own a scanner ) or take a pic with my phone ... ..it 's a done deal!! What? You see how they just want to keep people 's money!? The want to USE it. This has to stop. If there is a suspicion of fraud you have to give people a chance to show you they are who they say. Paypal just wants to bully people and use their funds for their own personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX  years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was traveling in XXXX in XX/XX/XXXX. When I went out, I got the huge amounts spending notification from my Chase app, I called the customer service right away because I believe the transaction is wrong. When I talking to the customer service, the second and third huge amounts fraud transactions have been made until the fourth was failed. ( They should have the phone voice records ) The customer service said, " no worries if the transaction is not made by cardholder ''. And then I went back to my hotel, someone took my wallet in my room. I called the police with hotel staff assistance, they made a police report for the loss. I did also hire lawyers firm to sue the hotel because the counter passed the keycard of the room to someone who pretended is my brother. I won the lawsuit that sues the hotelin XXXX. The hotel claims are their mistake and proof those transactions not made by me ( because I am in the hotel, not the store ) and the signature of credit card bill is not match with the card. 

I thought I will be worries free with the card but after few months of disputed, Chase XXXX the fraud charges in my account, they said the store claim I took the items away ( but it is the theft, not me ), so they have to re-bill the charges to me. I submitted my police report and gave them the contact number of police, my police report number and the hotel management contacts for them to verify this case. However, Chase recovery team who took care of my case ignored my claim. ( In XXXX, the police don't give the hard copy of the police report, that is the hotel manager told me so they made a proof of police case number ) How is that possible that I have take this responsibility of the charges that not made by me? 
-- -- - CHASE BANK XX/XX/XXXX - XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX -  XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Purchase over the internet {$490.00} XXXX XXXX   XXXX XXXX XXXX XXXX. This was order on XX/XX/XXXX XXXX on American Express Card for total {$510.00}. Not unitl XX/XX/XXXX I received a mold of my teeth and storage box with a plastic guard /flipper. I contact the company XXXX XXXX XXXX told them to refund {$510.00} to my American Express as I had order a Dental Veneer. I was then told in an email - Hi XXXX, My technician has indicated that due to the positioning of your teeth, a Veneer wasn't the optimal product to address your needs. Only a Flexible Partial Denture was. 

I already own a partial, that's not what I order I explain and until this date XXXX XXXX XXXX XXXX   has refuse to refund the amount - XXXX is slandering my name I am causing a case of fraud. The email state they could not offer the product I requested. I ask if I need to return the mouth piece- I was then pitch to purchase a flexi partial denture, Which AGAIN I DO NOT WANT- JUST REFUND THE MONEY IF XXXX  CAN NOT PRODUCE the Merchandise I order. I'm not the simple Fraud - XXXX XXXX is the Advertiser that defraud customers! And American Express supports that action!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GreenSky, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: AZ

Complaint narrative:
This is mostly FYI, so something can be done to force changes that will fix a bigger issue with this company. 

Chase Credit Cards have a " leak '' in their email system which causes emails for a credit card to go to an email different than the one on file. 

This is an issue I have dealt with since Chase took over XXXX XXXX accounts. That is almost 10 years! 

The latest issue involves two different credit cards [ both business cards ], one is a brand new card we had to apply for after a year and a half of no resolution from Chase for the same issue. 

Issue : Brand new card, went online, setup new login for new card, set up new alerts for new card. Not getting alerts. Went digging, found all the card alerts in a COMPLETELY DIFFERENT email account. Called Chase, verified the email on file for alerts, told them the alerts are not going there. Told them to remove any other emails associated with that card and that card 's alerts. They are working on. 

Had the same problem with previous business credit card from Chase. After a year and a half of trying to get resolved, we finally had to just close the credit card and apply for a new card. 

Have the same problem with another credit card for a different business. This week had to call to cleanup the information I was seeing on line but could not edit. They had to edit from their end [ for items I should have been able to edit myself ]. They had to completely remove an old credit card that had been a XXXX XXXX card that had been closed for years and should not have even still been in the system. Then they had to update emails, phone numbers, etc. Then they said it would take 24 hours for the system to update and to call them back if still problems. A few days later I went back in, setup the alerts with the correct email and got " Alert Activation '' emails to THREE different emails. I only used ONE! Had to call back to have them explain why their system is sending to three different emails when TWO of those emails are not even in their system any more. Still waiting for a resolution. 

I would have hoped that with new cards, this issue would be resolved. Nope! 

Someone needs to go into Chase and make them cleanup their systems to resolve this problem. Surely I am not the only one that has email notifications going to the wrong emails, and I have had this issue on at least 5 different cards. At one point, we made an email change online and received an email verification with a DIFFERENT BUSINESS name than ours. There is a huge association error inside Chase credit card systems.

Company response to consumer: Closed with explanation