vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 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: NY

Complaint narrative:
I was supposed to receive a credit balance refund check from chase after my credit card is closed. the check was supposed to sent out in XX/XX/2020, but i never recevied. After talking to Chase over the phone for 2 months for the check, they finally mailed me a cancelled check that was cashed by someone else on XX/XX/2020. after receiving the cancelled cash from Chase, I noted to Chase that the refund check was not received by me and asked for a new check. 

Now Chase forced me to sign the " Declaration of unauthorized endorsement or altered item '' form even though it was clear from the canceled check that the refund check was not signed by me and i did not do anything wrong ( never received the check, called them multiple times on this issue and pointed out to them that the cancelled check, which they have, noted that it was signed by someone else ). 

It might be within Chase policy, but this is a perfect example where " big banks '' post undue burden on a regular consumer to deflect their mistakes and hope that a regular consumer, like myself, would not follow up, so they can get away from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
I started a loan agreement with Easy Cash ASAP on XX/XX/2020, for the amount of {$500.00}. The initial agreement was for 11 payments of {$130.00} for a total of just over {$1500.00}, if minimum payment was made on time as scheduled. However, it clearly states there is no early payment penalty. So, I started paying above the minimum to pay off early. My payments were as follows : XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XXXX - {$150.00} XX/XX/XXXX - {$130.00} For a total of {$710.00} Due to the Coronavirus outbreak, my job was affected and my pay was reduced significantly in the middle of XX/XX/XXXX. I informed Easy Cash of my situation and continued to make another payment before I simply could not afford another payment at that rate. I asked for a payoff amount for them while letting them know of my situation. They were not understanding or sympathetic to the situation and demanded that I pay them {$500.00} for the Principal of the payment. This would assume that I paid the {$700.00}, and none of it went towards my principal balance. I was calling to settle with them that day, and they refused to even acknowledge I paid anything to the principal. There was no working with them and since I have had a couple conversations over the phone and they have not budged. I have repeatedly told them that I would be happy to settle for if they worked with me on the number, but they were ripping me off. They are not going to work with me and have threatened through email and phone conversations to turn me over to collections unless the total amount of {$500.00} is paid immediately. At bare minimum I should owe them is {$340.00}, this would be {$20.00} for the first 3 payments, and {$40.00} for the next 2 payments counting towards my principal.

Easy Cash continues to send me text messages demanding their money, I call back and go through the same routine with them every time. I have tried reaching out to them through email, phone, and website help to resolve this issue, and nothing has been successful. 
It clearly states in my contract that I can pay my loan off early with no penalty. Why would my payoff amount be the same as my original principal after I had already paid the loan off 140 %??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a dispute with a seller about a transaction which I initiated through XXXX and then initiated a chargeback through Chase. This was done on XXXX, XXXX. Fast forward today, XXXX claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from XXXX or visa either. In addition, Chase claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and XXXX and Chase does not have them. I tried to speak with Visa before and they told me to speak to Chase, who again, is telling me they can't contact Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. 

A solutions is PNC can allow one phone to be associated with multiple profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Southwest Rapid Rewards Credit Card. On XX/XX/2020 I contacted the credit card company to find out what my complete balance was including any fees, interest, late charges ( or any fees because there are so many I can't keep track ). I called and spoke with a customer service person and I specifically asked what is my balance and fees do I owe completely. They explained to me that I owed completely {$1400.00}. I explained to them that I intended to pay off the entire balance by that Friday XX/XX/2020. The customer service person told me that if I paid off that balance by that Friday, there would be no additional charges and or fees. I paid off the balance as I promised. Then on Friday XX/XX/2020, I'm charged {$13.00} for a PURCHASE INTEREST CHARGE. I didn't make any purchases after I paid off the balance and I specifically asked the customer service person to tell me exactly everything I owe so how can I avoid these kinds of charges. This is ridiculous. I just feel like they are doing everything possible to keep taking money from me. At what point do I finally pay off this balance without me looking and discovering another arbitrary charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Unable to reconnect my checking account to my XXXX  account. Previously had access but recently had to reset password. Now unable to reconnect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, we were informed by Third Federal personnel that we had been denied for our mortgage refinance. They cited our income to debt ratios and the loan to value ratios were too high. Below is the email we received when we asked them to explain exactly what their ratios were. 

" Currently we require our debt to income ratios to be 28 % ( housing ) /36 % ( housing and all other debt ) Youre ratios were at XXXX Also, the loan to value needs to be at 70 % or below, you are currently at 80.9 %. '' We feel we were grossly mislead by Third Federal. Had they disclosed their requirements upfront, we would have sought another lender. We've never heard of requiring a 70 % loan to value from any lender. We have wasted valuable time ( we first applied on XX/XX/XXXX ) pursuing an application for refinance with them and were lured in with the promise of a " low cost loan '' for only {$290.00} in closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I was with XXXX and I switch over to XXXX XXXX  and XXXX XXXX  they will pay them of so when I switch to XXXX XXXX they said I have to paid XXXX of..so they send me to collection both XXXX and XXXX  XXXX and this is been damaged to my credit..they deceive me and mess my credit up I have suffer financial hardship it cause me health problems in my life and can't get a house loan for my family..XXXX  XXXX and XXXX cause hardship in my life

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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OR

Complaint narrative:
When a credit report inquiry was pulled by XXXX in XX/XX/XXXX, I did not receive the credit card and was notified that I did not receive this card due to " delinquent obligations ' on my credit report. I have excellent credit. I recently was approved for a car loan, with no issues whatsoever. When I received the letter regarding the rejection of credit I contacted the 3 credit reporting bureaus and pulled a report. I was shocked to find 6 collections from the same company. Upon further investigation, the collection Company : CBE Group, was given this information or information was turned over by a company XXXX XXXX XXXX '. Upon FURTHER investigation, this company exists in UTAH, where I haven't lived since XXXX of XXXX. The 'debt ' date is showing XX/XX/XXXX. I disputed the 6 collection accounts, and 4 were removed recently ( XX/XX/XXXX ), but two still remain : a {$300.00}, amount and a {$620.00}. amount. Both 'account numbers ' are the same. 
I am 'told ' that this is all I can do since they ( CBE Group ) are holding fast to me owing a debt I have NEVER heard about until this initial credit inquiry in XXXX. I wish to complain, request these to be removed, and also wish to have a note added to my credit report that I am and continue to DISPUTE these accounts as NOT MINE. I was not in Utah in XXXX, and there is not a company here in OREGON ( where I have lived since XX/XX/XXXX ) that operates under that name. I have excellent credit and have worked very hard to maintain that status. I believe this information to be erroneous, and want it removed ( not just 'disputed ' and still listed ... removed please ). Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
date : XX/XX/2020amount : {$48.00} I created an account to monitor my credit & was surprised to see a collection from SOUTHWEST CREDIT SYSTEMS which has dropped my score significantly. Ive received no phone calls or contact via USPS mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: GA

Complaint narrative:
Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Porsche Financial Services, Inc.
State: AL

Complaint narrative:
We leased for 39 months a new XXXX XXXX  XXXX. The vehicle performed well, except we had to take it back numerous times to get an air leak fixed on the passenger side front door. Our lease was up XX/XX/XXXX. The Auto Vin inspector sent by XXXX  came out, ( inspection # XXXX ) and during the inspection, we were informed our vehicle had been wrecked and repaired. Damage was done on the passenger side front door, rear door, and rear fender. In fact the inspector said the paint job was not up to XXXX  standards. The inspector told us we would have to pay for the repairs, even though we informed him we had not wrecked the vehicle. When the inspector left, I called XXXX XXXX XXXX  in XXXX Florida, where we leased the car. After about a 2 hour delay, I had a call from the manager of XXXX  in XXXX, who stated we would not have to pay for the repair, however, we were not offered any additional compensation for being sold a wrecked vehicle. After further research we discovered XXXX XXXX owned XXXX  dealerships in four states. We called Mr. XXXX, but initially got to speak to his son XXXX XXXX, who took our information and stated he would get back to us on thiS fraud. We did not hear back from him, even though we called hIm numerous times. We have since discussed this with an attorney, who indicated that we should at first try to handle this through Porsche  Corporate. We contacted Porsche  corporate who agreed to contact XXXX XXXX and coordinate a settlement. This went on for a while. But we were never contacted by the XXXX XXXX group. We actually went by the dealership located in XXXX, Fl. To meet with the general manager. He refused to meet with us and we were told to contact their attorney. They would not give us contact information. 

The VIN number WP= XXXX Leased : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: MS

Complaint narrative:
I submitted a request to XXXX for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my Equifax score decrease by 22 points. That is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
I have tried to reach Collection Bureau of America to delete this debt of all my credit reports ( XXXX, XXXX, XXXX ) for the amount of {$610.00} Back in XXXX 0f 2020. Have not gotten a response or letter showing that my debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: NE

Complaint narrative:
I want to apply for the Cares act forbearance on my home mortgage but my mortgage lender makes it sound like I have repay the lump sum at the end of all this. I copied from their page what it says exactly. I have posted below what they are saying. It is from Guild Mortgage. Thanks for taking the time to look this over. Have a great week and stay safe out there! 

" Yes, the forbearance plan is a temporary relief option. 

The payments missed while on the suspended forbearance plan will become due upon conclusion of the forbearance period. 

We recommend that if you are able to continue making payments during the forbearance that you do so. Please contact us to make arrangements if you wish to make partial payments. 

If your account is impounded or escrowed for taxes and insurance, Guild will continue to pay your taxes and insurance as they come due while you are on a forbearance plan. However, this may create a shortage in your escrow account and an increase to your monthly escrow payment the next time an escrow analysis is performed. 

If you wish to pay escrows/impounds for taxes and insurance during your forbearance period in order to reduce the future escrow shortage, please contact Guild Mortgage to make arrangements prior to sending the amount. 

In summary, forbearance can provide temporary relief from your mortgage payments ; however, at the end of the forbearance, you will have to reinstate your loan by paying all your missed payments in a lump sum or apply for additional options. 

We recommend that you evaluate all alternatives and wait to apply until you determine that you will be unable to make your payment. For example, the CARES Act provides options for no-penalty withdrawals from your 401K. * Additionally, you could file for your tax refund, if you havent already. That way, the assistance options we provide will help you in the months that you need it the most. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a request to Experian for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my XXXX  score decrease by 22 points. That is not fair.

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I have an " XXXX XXXX XXXX '' credit card through Bank of America. When I acquired this card in XX/XX/2019 I immediately set up autopay for " amount due '', assuming this would pay the monthly balance not including pending charges. The other options were " minimum amount due '', " account balance '', and " fixed amount ''. I recently logged into my account and found that I have been paying the minimum amount this whole time. I called Bank of America and was told that " minimum amount due '' and " amount due '' are the same thing. I would never have chosen to pay the " minimum amount due '' because I don't want to rack up a huge balance and pay interest on that amount. I feel it is deceptive if not fraudulent to include these two options along side each other when they are the same. I have been paying hundreds of dollars in interest and it's not fair.

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 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY

Complaint narrative:
I have written this week regarding XXXX XXXX and XXXX XXXX seeking financial remuneration for unknown when they as a XXXX person by XXXX XXXX refused to relocate me to another unit and caused constant backups in the ground floor rust and rotted low income housing complex I moved to and constant chaos. The bathtub backed up with black soot or tar and finally had to leave, withheld my rent and they decided to want to sue me in housing court to evict me. I refused to endure any more duress, had relocated as It was affordable had just lost my home after 20 years and my mother fell ill and was traveling back and forth in addition to having them become privy to my attempts to file for public assistance to cover my moving costs as they made me wait almost a month for an inspector report that they did not schedule costing me hotel and further living costs that were to pay towards my moving that is still sitting in storage as I became XXXX and was denied five or six apartments by further sabotage and subsequent credit cards and other items by placing on my credit report. They refuse to stop and it is continuous. XXXX XXXX XXXX XXXX services assisted and vacated the apartment by XX/XX/19, left, traveled around cane back to donate and put the remainder of my stuff in storage to date and my mother died a few weeks later. All to continue to perpetuate hatred.

Company response to consumer: Closed with explanation