vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase keeps freezing my account for " suspicious '' activity any time I try to perform a transaction. Apparently it's not enough to have an extremely strong password and a 2-factor auth device, while logging in from the same device and IP address I used to sign up with. Calling them, they ask identity verification questions that make no sense, and they refuse to tell me where they're coming up with the bogus info for the questions so I can't fix the issue. Phone reps instruct me to drive 4 hours round trip to visit a branch - which I did do, only two weeks ago ( mid-XX/XX/2020), and presented ID. Today ( XX/XX/2020 ) I try to do another transfer and they freeze my account again! The transfer is NOT SUSPICIOUS! I was logged in with my usual device, and provided the security PIN they emailed me in order to perform the transfer. The PIN was accepted and everything was fine. In spite of that, fraud department called me to verify, and the rep 's headset was screwed up and they couldn't hear me telling them to authorize it. There's seemingly no mechanism to get them to call a second time, and now the whole account is frozen again. I tried to log in and I'm being denied access. I called in and they're telling me to go visit a branch and show ID AGAIN. I can't keep driving 4 hours to a branch every time I need to do a transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My husband and I were granted a loan modification ( short sale ) on XXXX XXXX, 2020. I lost my job due to coronavirus, and thankfully we found a short sale buyer. Despite having always paid our mortgage on time, we were told that we had to be 30 days late in order to close. After closing, Mutual of Omaha reported our 30 day late status to all 3 bureaus. This should never have happened because our loan modification occurred during the time of the CARES act enforcement and our payments were current prior to the modification. 

I first disputed this with Mutual of Omaha on XX/XX/XXXX, and they responded to me with the attached email of XX/XX/XXXX in which they refuse to report my account as current to the credit bureaus. When I did not hear from Mutual of Omaha after a month, I decided to dispute with the three credit bureaus. Both XXXX  and XXXX  removed the late month from the payment history, but continue to show a 30 days late indicator, which seriously impacts both my and my husband 's credit rating. XXXX  did not change the report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC
State: TX

Complaint narrative:
I initially discovered this account on my credit report months ago. I wrote a letter to RISE on XX/XX/2020 asking them to investigate as to whether this account was actually mine as I have no knowledge of it. I had a previous loan with them that I fully paid, but this one, I do NOT recall at all. From the date of that letter to XX/XX/2020 I received absolutely nothing from RISE meaning ( as I would learn ) they had chosen to ignore my request for a proper investigation completely.. The time from the first letter sent in XXXX to discovering it still appeared on my reporting in XXXX obviously took them WELL BEYOND the required period for such a response. After all, with the lack of response, I had assumed they had investigated and removed an obviously inaccurate report. But when reviewing my credit report and still finding it this month. I wrote a second time asking them again to actually fully investigate the situation and provide me with the actual account information, dates, fees, charges, compliance with FACT ACT guidelines, and of course confirm in notarized form that the report was 100 % accurate or DELETE it. Instead, today I received not a mailed letter as requested with ANY of the information Required or Requested. Instead they sent me a short " email '' stating they could find no errors in their reporting. NO DETAILS, NO ACCOUNT INFORMATION, NOTHING WHATSOEVER. 

Clearly this does NOT come close to meeting the bare minimum possible requirements of an investigation. It supplies me with nothing to prove the debt and attempts to just ignore my requests in direct violation of Federal Statues. And by sending me such a blatantly dismissive E-Mail, RISE is NOT in compliance with any Federal Requirement concerning this alleged debt and must by Federal Requirements DELETE it immediately and ensure this file is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On may I bought a XXXX XXXX XXXX ( Kia Fianance ) and on XXXX I refinanced it thru ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent two checks one for {$16000.00} ( XXXX ) and {$65.00} ( USPS ) money order in the same certified envelope to paid off my auto loan with them. After several calls with KF  to verified it they received the payment, they told me that I need to put a stop payment on the checks and send a new ones. I went to the United States Postal Service and they told me that Kia received the envelope with two checks on on XX/XX/XXXX. I submit an inquiry with them USPS and the results was that Kia cashed the money order on XX/XX/XXXX. When I went to XXXX they putted a stop payment on the first check and gave me a new one with the same amount {$16000.00}, so I sent another sets of checks the XXXX and a personal check of {$100.00}. I called a lot of times and they always said that they didn't received the first envelope with the XXXX and money order check, but I have all the evidence from their website and USPS that they received it. Also, they gave me a fax number to submit my evidences but that number doesn't worked. I had to paid extra money sending everything certified to them to the address that they gave me and every time that I called them and ask if they received it they said not. When I went to the USPS they told me that they are giving me the incorrect address because the zip code Kia gave me is rural and the address is PO BOX XXXX but USPS delivered to the correct address. 
I need to resolve this situation and my money back as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I last disputed with CFPB and the company stated they sent me a letter, I got that letter which said nothing in regards to this.Equifax REFUSES to report correctly. Every other company has removed these items. I CAN NOT get approved for a home loan because of Equifax! I am in good standing with both XXXX  and XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Called old navy and they removed my name as an authorized user. I never gave anyone permission to add me and I want this removed from my credit report

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I refinanced my mortgage with Bank of Montreal Ontario, Harris Bank. ( BMO HB ) They have farmed out their mortgage servicing to XXXX XXXX lending, at XXXX. 

BMO Harris Bank Customer Advocacy Support and Escalation Team XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX, is who I went with for the refinance and they submitted a check to BMO HB on XX/XX/2020 and the check was cashed by BMO HB on XXXX/XXXX/2020. 

I have written customer support at BMO HB several ( 10-12 ) times beginning on XX/XX/2020 up until today XX/XX/2020 asking about when I should expect to receive the balance of my escrow funds {$2000.00} and have gotten no written response or resolution. 

Additionally, I did not receive my regular monthly statement for XX/XX/2020 on the XXXX of the month. After several written requests I finally got a XX/XX/2020 regular statement electronically on XXXX/XXXX/2020. 

I have also requested a closing settlement statement from BMO HB that describes the payoff amount of {$170000.00} provided by XXXX XXXX on XX/XX/2020 that was cashed by BMO HB and describes how this number was settled against the actual principal balance of {$170000.00} after the XXXX 2020 payment that was made on XXXX/XXXX/2020. I calculate a difference that should be paid back to me of {$230.00}. 

I would like to be paid the amount of {$2000.00} which is my money left in my escrow account and an estimated date for when I should expect to receive my escrow funds and the difference due to me from the excess payoff funds of {$230.00}. 

The RESPA laws violations are : Notification - The expected date of payment communicated to me for settlement of escrow funds to be payed to me and any principal balance differences due to me on this refinance should be communicated to me in a reasonable time ( within 2 weeks of Paid In Full from refinance ) with notification of amount No Later Than XXXX/XXXX/2020. It is XX/XX/2020 and I still have not heard from BMO HB what the payoff date is even though they cashed the check on XXXX/XXXX/2020. 

Any balance in any such escrow or suspense account that is within XXXX the servicers control at the time the loan is paid off on XX/XX/2020 shall be promptly returned to the borrower within XXXX business days which is on or before XXXX/XXXX/2020. ( Today ) The above is required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$1000.00} was stolen from my XXXX account and Bank if America is saying that it was not fraudulent. The transaction happened an hour away and I have never been to that county or town. They are not answering their phones even when I call as soon as they open ( XXXX EST ). They hang up on me after one hour of waiting and I never get to speak to a representative. I had an additional {$520.00} stolen as well that I did not bother reporting because of the previous incident. The only reason I'm reporting the {$1000.00} is because Bank of America is saying that it was not fraud and they are charging me for it. I requested all documentation on XXXX, while the {$1000.00} incident occurred two months ago. They are trying to make me the culprit in the situation when I'm the victim to theft and then making me pay for it. So essentially I'm losing an extra {$1000.00} and I am so confused as to why when it wasn't my doing.

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 2020-09-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
chase card services contacted me requesting payments on a credit card that i never requested or applied for. I contacted them and asked for proof that I was responsible and they never sent anything that showed that I applied for or used the credit card. They said they did a fraud investigation and the debt is valid. I then had a lawyer send a letter and got the exact same response without any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I had 2 accounts with one main financial. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank/ Care Credit is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has called me numerous times. Today, they called me at work and wouldn't even tell me what they were calling about so I hung up. I then called them back and they referred to some credit card ( Visa ) that was opened in 2008 and they said I owed over {$3000.00}. I am not even aware of a credit card or bill that I owe from that far back. The lady on the other line typed in my information when I said I wa n't paying it because I am unaware of that bill. 

There number is XXXX. I asked them to please stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe XXXX {$550.00}. I owe XXXX {$0.00}. I have attempted to investigate this matter with XXXX six times since yesterday, but I have not received meaningful contact from XXXX. I was also on hold with the XXXX Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to XXXX, I would have been notified directly by the company first. Finally, XXXX issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that XXXX owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted XXXX  and XXXX. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe PayPal {$550.00}. I owe PayPal {$0.00}. I have attempted to investigate this matter with PayPal six times since yesterday, but I have not received meaningful contact from PayPal. I was also on hold with the PayPal Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to PayPal, I would have been notified directly by the company first. Finally, PayPal issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that PayPal owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted anxiety and grief. PLEASE HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: MN

Complaint narrative:
Over the past 46 days I have sent two dispute letters in regards to several accounts that are not mine and need to be removed. After the first letter was received by the bureaus involved an investigation was completed by the bureau. Upon completion the accounts should have been removed. However I was notified that the accounts are in a resolved status and have not been removed. I then sent another letter asking again that the inaccuracy be resolved.

Company response to consumer: Closed with explanation