vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a promotional email from Chase on Monday, XX/XX/XXXX. I decided to open a checking account with them to avail the bonus. Everything went well and I even got to open up a savings account. There and then, I transferred my savings from my XXXX account to Chase via XXXX and register the checking account to direct deposit. On Wednesday morning, I received an email that I can not use my account and that they will close it soon. I called the customer service immediately and I was informed that I needed to verify my account information by going to the branch and submitting a copy of two valid IDs. Since I am foreign resident who just arrived in the US last XXXX, the only IDs that I have are my SSN card and passport which I provided to the banker on that same day. The banker advised me to call back the customer service the next day to inform them that they have already uploaded the documents. However, it wasn't until Friday when the documents were reflected on their portal. When I talked to the customer service, they told me that they can not unrestrict my account anymore and that I needed to go to the branch and reopen an account and have my funds transferred to that account. I went to the branch on Friday but they told me that they can not do so as the back office wants to verify my address information. I provided them a copy of my lease agreement last Friday, XX/XX/XXXX, and again, it only showed on their portal today, XX/XX/XXXX. The customer service told me that they can not accept the lease agreement as it is only up until XX/XX/XXXX to which I informed them that as of the day I submitted the documents, it is still in effect and that I am willing to provide a copy of the renewed lease. They said they can not accept documents via email or any other means so they advised me again to visit a branch and do the same process all over again. I've been waiting for 7 days to have access to my money. Both my savings and payroll are deposited there, my rent is due today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have not adhered to the following laws, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for XXXXnspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have not adhered to the following laws, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Citgo Credit Card/Synchrony Bank XXXX Have made prompt payments regularly. Last statement I received was in XXXX. I've been receiving notices through email that I owe a late fee if {$29.00}, but never received statement. Not denying I owe bill, just don't want threats or credit ( which is very good ) ruined because they can't send statements. They claim I have until XX/XX/XXXX to pay or it will go to collections. I spoke with them on XX/XX/XXXX, and they said they'd mail a statement and I'd have it in five days ... .nothing. Got more threats so called again on XX/XX/XXXX, and they said they were sending out another statement and it would be 7-10 days. Still nothing. I mailed a check along with a paid blank statement on XX/XX/XXXX, that I had they sent when showed a XXXX balance a few months ago. Still nothing except another email threat. Called again XX/XX/XXXX, and they said I have until the XXXX  before it goes to collections. I'm tired of the harrassment, possibility of credit damage, and penalties. Please help. I want to keep my good credit rating. Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Back in XX/XX/XXXX I reported fraud to Navy federal credit union and my account was closed as result of it. I filed a police report, and I was able to get the charges resolved and everything stationed. Back in XXXX I have try to reopen my Navy checking account as my family members use this bank and my brother is in the Navy himself and I want my checking account back. i have tried to work with them as I send them emails, phone calls and mail notices, that I want my account back as it was due to fraud when it was XXXX back in XXXX. I have attached my inquires I have made with Navy via email as a screenshot attached. I hope to get this resolve and have a navy account back like my family members has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XXXX, I arranged for an individual to perform landscaping services to my yard. I only knew him by the name XXXX. He used the business name XXXX XXXX XXXX XXXXXXXX. I paid for the services by cash, XXXX transfers, and with my Bank of America ( B of A ) credit card. Services were completed and payment in full was made before the end of XX/XX/XXXX. In XX/XX/XXXX, five more charges were made to my credit card by XXXX XXXX XXXX XXXX that were not authorized by me. I contacted XXXX ( the XXXX  ) by text regarding the charges. He said his banking information had been hacked and he denied making the XXXX charges. He verified that the final payment was " around XXXX. '' I contacted B of A in XX/XX/XXXX regarding the above. The XXXX charges were initially reversed. Then they were charged to my account again. B of A stated that the business responded that the charges were all valid and that I still owed more money. I contacted XXXX and he denied ever receiving any contact from B of A from their investigation. I sent him copies of the response that B of A received. XXXX stated that the merchant name and logo were not the same as he used and he again denied making any charges in XXXX and that his account information had been compromised. 
Disputed charges : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} December 18/, 2021 {$1400.00} Total {$9000.00} Below, I will attach screenshots of the text messages between XXXX and me. 
Note page XXXX he denies being contacted by B of A for the investigation. Page XXXX he confirms that final transaction was around XXXX before XXXX XXXX and he repeats that the charges were not from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: NY

Complaint narrative:
Celsius Network LLC paused all customer funds withdrawn on XX/XX/XXXX. The company stated multiple times they should never do that and even did this before filing for bankruptcy before XX/XX/XXXX, so customer funds would be forced to be stuck in bankruptcy holding. This is a blatant false advertisement, and they would not even allow custody accounts to withdraw funds even though the money is not earning any yield. I have approximately XXXX XXXX stuck in custody, and I have a loan with Celsius for XXXX XXXX that I can not pay and withdraw funds from. My collateral is attached, yet they ask publicly via email to wire them more money without any promise to give collateral back on XX/XX/XXXX. This seems like an extortion of funds, and they are praying in fear for their customer to send them more funds. You can not even use your custody account to pay for your loan. If I have to give a failed company more money to pay off a loan, we may never access the funds ever again. This is a failure of legitimate business practices. There is a lot of fraud and abuse of customer funds that Celsius Networks owes its honest clients. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX PM Dear XXXX XXXX This is to confirm that we have received an interest payment on your loan. 


Payment Date : XX/XX/XXXX XXXX PM Interest Amount Paid : XXXX XXXX XXXX XXXX XXXX in USD : {$11.00} Discount : {$0.00} Currency : XXXX Loan Number : XXXX Loan Amount : XXXX XXXX XXXX : 1.00 % Total Interest Outstanding : {$100.00} Next Interest Payment : {$11.00} Origination Date : XX/XX/XXXX XXXX AM Maturity Date : XX/XX/XXXX XXXX AM Current Collateral Balance : XXXX XXXX XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: KS

Complaint narrative:
Altisource Solutions Inc., working as a XXXX for XXXX XXXX XXXX XXXX XXXX XXXX sent a XXXX  to my house with the intent to break in my home. There was a criminal case and conviction of the XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX. Altisource and the other above named companies did this intentionally knowing I occupied the home. I was in communications with my loan servicer at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of america closed my account without any reason, and i have balance in my account. but after 5 months later, they still didn't give my balance back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank sent me an invitation for a credit card offer. I completed the application, I received an adverse action communication immediately. I called Chase Bank to speak with someone from the reconsideration dept ; the representative stated I needed to call XXXX to have them add a phone number to my account to verify my identity or go into a branch to show 2 forms of identity, called XXXX completed the action item XXXX said it would take 72 hrs to appear. I went into the branch of Chase bank to show my 2 forms of ID to a banker ; she called the reconsideration line to confirm my identity once that was completed, I was put on a bank phone to speak with a representative who asked me several questions about my consumer report. I was then place on hold, she returned to advise that I was denied, actually discriminated against based on ; collections, balances on other account and late payments on my consumer reporting agency. 

My rights have been violated because credit is the right granted in good faith 15 USC 1602 ( f ). The adverse action Per FDCPA is to the interest of the consumer because I came with the credit. Additionally, per the Congressional finds Chase Bank has deceived, abused, invaded my privacy and coersion. I the natural person have abundant evident to prove my what has occurred ; in addition to evidence, Chase Bank is in violation of a number of United States Codes such as ; 18 USC 1029 e ( 1 ), 15 USC 1691 ( EOCA ), 15 USC 1602 ( F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NY

Complaint narrative:
What are you talking about I just got my ID from the XXXX it's brand new I even got the letter it came in this is so sad and crazy that this situation is even happening for a company as big as venmo if you looked and what I been through in the last month with you customer service agents from being hung up on ... talked to crazy and then you have the nerve to yell me I can't touch my money for 180 days when you company frozen my verified account I verified my account with you guys before the money was transferred into my account becau as e I needed it for a down-payment on a Aptana was assured everything would be fine and it's been nothing a nightmare ever since and then you make me take pics of my new ID and of me holding it and after tell me 180 days and close my account why even take the pics why you guy are the frauder stelling my money and my info was told on the start of this ordeal that it Would take 6 days called over at Least 5 times and was told every time to be patient and wait another 3 days and the last I waited 7 days to see of you guys would even call me and nothing and when I called XXXX was promised a without? Have access to my account today and get an email after she requested pic of my ID 180 days that insane for a mistake done on you part you keep telling me your verifying but the funny thing my account was verified already. Before you froze it like on the app of told me I was all set you verified you customer service agent assured before the person sent the money there that I was fine and then send the money there and do a couple transfer and you freeze My account and then put me through he'll for s whole month is insane you do this to XXXX people I have seen the reviews but you know what My accountbwas varies already this a mistake was done on your part but what do you expect from a company who can't even organize there own emails I have gotten emails being called names that were not mine from your venmo mangers and in the body of the email there name is not even right you guys can't even send a simple email how do you have the responsibility of holding and transferring peolem money I just still can't believe this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I enabled auto-pay on the loan. My payment portal clearly indicated " Auto Payment On. '' But, the Auto Payment system did not work for the last billing period. I signed-in the first Monday after the end of the billing period ( XX/XX/2022 ) to see if the Auto Payment had worked as I expected it to -- it did not. Instead, I had a late fee ( {$39.00} ) and the most recent payment marked as " overdue. '' I immediately paid the balance ( on XX/XX/2022 ) and reached out to AMEX support to get this resolved. It is a deeply predatory behavior for a loan provider to trick their customers into paying a late fee through an Auto Pay delay. Why show that I had " Auto Pay Enabled '' even when I did not? They intentionally mislead customers into not making manual payments by making it appear auto-pay is enabled, even when it is not. I received no communication from AMEX ( email, mail, phone, text, etc. ) about the due date of the payment, and especially no communication around the status of auto-pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for XXXX XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. I was devastated! The payoff included various charges including the original principal, over {$51000.00} in rate interest, foreclosure fees, and many other charges. While I believe that I owe the original principal amount, I should not have been taken advantage of in this manner. In attempts to negotiate the payoff with the company, they had me submit documents that included the current purchase agreement, tax returns, bank statements, and other personal financial information. The company XXXX XXXX XXXX ) offered on 5 % discounted from the {$91000.00} payoff. I could not believe that this was happening days before settlement of my house of 21 years. I was forced to pay the full amount to avoid a disastrous outcome if I terminated the sale. The additional {$60000.00} snatched from my proceeds, intended to buy a home in a new state, has left me homeless. My original loan was with XXXX XXXX XXXX. The {$91000.00} charged by this XXXX XXXX ( Serviced by FCI ), who just picked up the loan in XXXX, seems predatory and illegal to take advantage of consumers in this manner. I do not know the process of companies selling debt, but it seems the original company would have been compensated when the sold the debt to the others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, two credit cards were attempted to be opened at Avant bank in my name. These were fraudulent attempts, and were not made by me. I contacted Avant to get them removed from my credit history and was told that they marked them fraudulent and they would be removed and that I had to wait 90 days. I still see one of the two credit inquired from Avant that has not been removed.

Company response to consumer: Closed with explanation