vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I responded to an email offer I got from Chase Bank to open a new checking account and receive a {$200.00} bonus if I setup a direct deposit of my paycheck, pension or government benefit. The bonus was to be deposited in the account within 10 days of my setting up the direct deposit. I setup the direct deposit of my pension check from XXXX XXXX XXXX and the first deposit was made on XX/XX/2021. When I had not received the bonus, I called Chase Bank Customer Service on XX/XX/XXXX and asked about it. First I was told I hadnt entered the proper coupon code when I setup the account. I explained to them that I setup the account using the link in the email solicitation that I had received from them and that the coupon code was automatically entered. Then, I was told I hadnt set up the required direct deposit. I told them that I had and was then told a private company pension, such as XXXX XXXX didnt qualify and that it had to be a government pension. I then quoted them the text from the solicitation email that said pension not government pension. I was then told that they were not able to help me and they asked me where I had opened the account. I explained to them that I am currently in XXXX and that I opened the account using my address from a forwarding company in XXXX, Texas that forwards mail to me in XXXX via a currier. Then they said I should make an in person visit to the office in XXXX and maybe they could help me. I think they are just trying to avoid paying the bonus that the offer of the {$200.00} bonus was fraudulent. I will be attaching documentation from Chase Bank that shows the deposit was made and from XXXX ( the company that handles the retirement for XXXX XXXX ) that show that a direct deposit of the retirement check to my Chase account was setup and is in place. I am asking you to direct Chase Bank to live up to the terms of their offer and pay me the {$200.00} bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: MD

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2021 received notice of escrow shortage of {$1000.00} this amount was paid on XX/XX/2021, 2.after receipt of this payment was told by XXXX XXXX that my new mortgage payment would be {$880.00} going forward but I would have to pay another additional {$140.00} for XXXX because amount paid in full was late they claimed and now XX/XX/XXXX paid my original mortgage payment because I did not have a correct amount to pay now apparently XXXX payment is completely lost I sent proof of payment from my credit union to them today and they are now claiming that they will want another {$140.00} for XXXX because they cant seem to get there act together every time I call which is once a week I seem to get a different story apparently XX/XX/2021 my mortgage is supposed to be {$880.00} increased from {$820.00} but I do not know this 100 % prior to this we paid our payment automatically on time every month My wife and I have good credit and we do not want incompetent mortgage company to screw that up.I would like them to own up explain everything and fix correctly XXXX and. XXXX are the two people I know of most involved and neither one returns phone calls 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 monetary relief
Consumer complaint received 2021-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called Equifax ten times about unauthorized inquiries on my credit report I spoke with two of their representatives at different times the first said they would take care of the issue and remove them the second said there was an issue with my request and the FTC report I furnished another denied receiving my FTC report at all after the first two confirmed it was received. I have since faxed my report over four different times and three representatives said they will take care of the issue and remove the inquiries now. I even received a letter from Equifax stating the inquiries were removed but they are still showing on my report. This process was started approximately three months ago. They are and continue to violate FCRA by reporting these inquiries still. the inquiries in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: FL

Complaint narrative:
I do not want to write long messages as I did it already I just want to ask you again, remove this account from my credit report because its not mine, I already filed Identity theft report, proving that this account is not mine. However two bureaus still reporting them in my report, what else I need to do in order to get rid of wrong and misleading information in my credit report that just killings all my PLANS!! Maybe you can recommend what to do???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX by balance with Bank of America Credit Card was {$1600.00}. I paid this balance in full on XX/XX/XXXX and was not expecting to see any additional charges. Bank of America sent a new statement claiming I owed {$16.00}. On XX/XX/XXXX I contacted them via phone at XXXX and spoke with a gentleman by the name if XXXX . He would not provide me his last name. XXXX said the {$16.00} was for interest accrued since XX/XX/XXXX. I explained I my intentioned on XX/XX/XXXX was to pay the balance in full which I had done. I asked if the {$16.00} could be removed from my account and XXXX said, " No, the balance would need to be paid ''. I asked to speak with his supervisor or someone else that could help me and was told no one else was available. XXXX did take my number down and said he would have someone call me but also expressed that the balance of {$16.00} would still need to be paid. 

If I understand the Credit Card Act of XXXX, credit card companies were banned from double-cycle billing. If that is the case, then Bank of America is not honoring the new guidelines by still attempting to charge their clients interest even after a balance has been paid in full. 

Ref : Bank of America XXXX XXXX XXXX Mastercard Card - 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 monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Account XXXX last payment was in XXXX this is 8 years ago. Please remove this old account and stop reporting.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2021-02-22 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: MD

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MD

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-02-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/2019, WF CRD SVC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Syncrony bank closed my amazon store credit card without any notice ( no email or phone call ). I even did not know the exact date the account was closed, it was some time after the XXXX statement XXXX XX/XX/2020 ), I tried to make purchase on XXXX and failed, then I logged into my online bank account and found out the account is closed. I make payments on time and shop only XXXX. I contacted the manager by online chat, the manager refused to reactivate my card and my XXXX rewards also disappeared. It seems that they just do not want to give people their rewards if you spend a lot on XXXX and they will just close your account when the rewards money is high. I want my XXXX rewards back. I attached the XXXX statement which shows my rewards amount.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
LoanCare or XXXX XXXX is messing with the servicing of my mortgage. I have been sending my payments in like clockwork to XXXX XXXX for years now. Then I get a notice that LoanCare will now be servicing my loan at the end of 2020. I received no instruction on how to make future payments. I only got a welcome letter telling me to sign up for a new account at XXXX It's been months and I still am unable to get their new account procedures online to work. I have called their number, ( XXXX endured hours of a phone menu from XXXX and have gotten nowhere. I have been told they don't have all my information yet, the website is down and I am doing it wrong. That is a bunch of bologna! 

The latest is I am told my escrow went up {$130.00} a month. That is a 31 % increase!!! Michigan homestead is limited to a 3 % increase in taxes a year. There is something seriously fishy ... new loan servier but still have XXXX in the title?

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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
The purpose of this memo is to bring attention to auditing errors that occurred just before the loan was paid in full. The account holder, XXXX XXXX, has made several attempts to resolve this matter with Loan Depot. The following auditing errors have occurred : XXXX & XX/XX/2020 MORTGAGE STATEMENTS Mortgage Statements on XXXX, XXXX, and XXXX have amount due balances of {$9700.00} ; {$18000.00} ; {$12.00}, XXXX respectively. Please provide an accurate auditing explanation. 

ESCROW BALANCE Escrow balance on the XXXX statement was {$1500.00}. In XXXX, the escrow balance goes down to {$640.00} with no explanation on the monthly statement. The final escrow disbursement was {$360.00}. Please provide a full escrow balance audit and explain why {$1500.00} was not disbursed to the account holder. 

PAYOFF PAYMENT On XXXX, a payoff statement was generated by Loan Depot for {$700000.00}. On XXXX, a wire transfer in the amount of {$700000.00} was sent to Loan Depot. On XXXX, Loan Depot increased the payoff payment to {$700000.00}. This is a difference of {$5000.00}. Please provide a full payoff audit and explain why {$5000.00} was added to the final payoff payment. 

MILITARY DEFERMENT Pursuant to the California Military Families Financial Relief Act ( Military and Veterans Code Div.4, Ch.3, Sec. 800-813 ), a XXXX who is called to XXXX XXXX XXXX defer mortgage payments ( interest and principal ) up to 180 days annually, if the service time is longer than 180 days. Military orders from XX/XX/XXXX to XXXX ( 204 days ) were provided to Loan Depot. However, Loan Depot only honored 150 days of the 180-day deferment. Please provide an explanation for why the full deferment period was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I recently received a closure to a complaint filed on XX/XX/XXXX with Consumer Finance. Complaint # XXXX I have been disputing the allocation of payments made to this Credit card company since early XXXX It is important to note, any amount received in excess of the minimum payment requirement is to be allocated as prescribed by federal law. The law requires that payments in excess of the minimum payment requirement be applied first to the balance with the highest annual percentage rate. The Company indicates the payments were applied according to the practice of making any payment amount exceeding the total of the minimum payment requirements for each balance to be applied to the promotional plan with the closest expiration date. HOWEVER, The promotional plan they applied those Federal law required payments to DOES NOT EXPIRE UNTIL XX/XX/XXXX The billing cycles they stole my payment from is 7 ( SEVEN ) Months prior to the last two billing periods ... They applied these payments back in XX/XX/XXXX. So that's nearly 9 months prematurely that they have applied the excess payments. They have in their own explanation given to Consumer Finance violated the federal law, and every consumer protection afforded me. I want my money applied correctly. This is not satisfactory to close my complaint ... I'm issuing further investigation into this fraud committed by Comenity Bank. And where is the resolution for the XXXX $ that was re-allocated on my XX/XX/XXXX statement fraudulently? Comenity Bank stole money from a 30 % interest balance and applied it to a 15 % balance that I owe. This too I had included in that dispute. Where is my money? I placed a call to Comenity Bank on XX/XX/XXXX @ approx. XXXX. Internally they are opening a dispute because according to the person I spoke with said funds were re-allocated in an " improper manner '' ( code for illegal manner ) But here we are. Still allowing Comenity Bank to steal from the consumer. According to this representative, re-allocation of payments are not allowed, however when asked to explain the XXXX re-allocated funds that benefit Comenity by allowing a greater balance to the 30 % interest baring balance, she had no explanation. This type of inconvenience is appalling. It should never be allowed to be taking place here in the USA. It's despicable really. Shameful that we have to fight this hard for big banks to do what's right and abide by Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
This is the second time I am submitting this complaint because it was not resolved the first time. Here is the info again : BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. We mailed a check for that payment on XX/XX/XXXX. We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the XXXX as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance. 

The company responded with a letter stating that the payment for taxes had been made. This is not what I requested. The response letter did not state that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice. It also needed to state that all future escrow disbursements will be made on time. 

Having delinquent taxes appear on my credit report can be harmful to my financial success in the future. BSI stated in their letter that " The timing of that tax disbursement will not influence at all anything that BSI reports to the credit bureaus. '' BSI does not report delinquent taxes to the credit bureaus. The government agency collecting the taxes does. Having a letter stating that BSI doesn't report delinquent taxes to credit bureaus will not help me dispute the delinquent tax payment with the credit bureaus should it appear on my report. Having a letter stating that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice will help with a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Williams and fudge attempting to collect debt with no notice of dispute

Company response to consumer: Closed with explanation