vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Thursday, XX/XX/2019 my vehicle, a XX/XX/XXXX XXXX XXXX was repossessed by BMO Harris Bank, N.A. for what I presume was for unpaid late charges of {$200.00}. Since Thursday, XX/XX/2019 I have tried on numerous occasions to contact BMO Harris Bank, N.A. in order to resolve the issue. However, I continued to be transferred to different telephone numbers and told to the persons I have spoken to, XXXX XXXX, XXXX XXXX, XXXX XXXX (? ), XXXX XXXX, and XXXX XXXX that they are " sending an e-mail '' to someone who will contact me. 

As of today, Tuesday, XX/XX/2019 I have not been contacted by BMO Harris Bank, N.A. and remain without the use of my vehicle. 

All payments have been made in accordance with the coupons in the bank 's payment book and mailed well in advance of their ten day window for receipt prior to a late fee attaching.

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a HELOC with Chase since XX/XX/2006. I have paid in time every single month. I borrowed {$50000.00}. Today I owe {$44000.00}. 
I noticed today while reviewing the Details of my loan that they are CHARGING {$550.00} in INTEREST monthly while my payment on the loan is {$420.00}!!!!!! How can this be legal??? How can it ever get paid off?? I have perfect credit, my fico is an XXXX, and I pay all my bills on time. This is NOT a loan that me or ANY consumer should receive. This must be unlawful and illegal. There is no way to repay. This is not compliant. I need a proper loan agreement that is reasonable. 
Chase needs to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: NY

Complaint narrative:
Identity theft

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 2019-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not my account, somebody used my personal information to get medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed that {$100.00} was withdrawn from my bank account. A payment in the amount of {$100.00} was already withdrawn on XX/XX/XXXX. The only time a payment is made is when I request another top up loan which I haven't since the XX/XX/XXXX payment. There isn't a phone number for Oportun XXXX, just an email address, so I emailed them. I received a response from XXXX. He advised that I received a {$100.00} top up on XX/XX/XXXXand XX/XX/XXXXbefore the company was able to recoup the first payment, so now they are going into my account to recoup a XXXX payment. I provided a copy of my bank statement showing that Oportun withdrew {$100.00} from my account for the month of XXXX proving that I paid them. I also informed XXXX that there may be a computer glitch on their end because I received a text from Oportun showing incorrect balances and amounts and asking me to top up when I didn't need to. XXXX then reiterated that the withdrawal from XX/XX/XXXXwas correct because of XXXX and emailed me all debits/withdrawals from Oportun. I reviewed the documentation it only showed two amounts for XXXX. Once again I emailed him the bank statement showing 4 payments in XXXX. He advised he would escalate and someone would be in contact with me. It has been 4 days ( 2 business days ) and still no response. I emailed XXXX back, but still haven't heard from him either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened a " XXXX XXXX XXXX XXXX '' American Express credit card in XX/XX/2019. On the American Express website the sign-up offer was XXXX points if you spend {$3000.00} within the first 3 months. I clicked on this offer and was approved for the card. 

I fulfilled the {$3000.00} spending with my natural purchases well within the 3 month limit.However the bonus didn't credit to my account. I waited a billing cycle to make sure and still no bonus. I contacted customer service and the representative confirmed that the offer was attached to my account but was rejected. I asked he open an inquiry to why, he said he would call me back with results. 
I never heard back so I called in again and they reopened the inquiry. After a week with no response I called a third time. 
The representative said the signup bonus was denied because I had another American Express credit card which I haven't used. The other card referenced was a " XXXX XXXX American Express card ''. I explained to the rep that I opened that card when I was planning some travel to take advantage of its travel benefits. After the opening and booking a flight I decided to only use that card when I'm booking flights. 
I asked why one card affects another when I explained how I plan on using my Delta Amex card.  The representative offered no explanation and only this was the reason they are not honoring the signup bonus for the XXXX card. 
I received NO warning of this when I was signing up for the XXXX XXXX XXXX XXXX card. If there was any problem with my other account I should have been denied and not mislead that I would be receiving a sign-up bonus. 
I have travel coming up and was planning to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX Account # XXXX has not been updated since XX/XX/19 as paid and no balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Received collections letter from Revenue Enterprises regarding medical debt they allege i owe, no verification of debt provided, debt not substantiated, i do not have any knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On Tuesday, XX/XX/XXXX - XXXX illegally froze a members access to their checking and savings accounts after a electronic deposit was posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Southern Management System a collections agency for XXXX XXXX XXXX   XXXX has been reporting to the credit reporting bureaus that I owe them {$540.00}. I have disputed this with the credit bureaus ( XXXX, XXXX, and XXXX ) and I have disputed with XXXX XXXX as well. None of these companies have furnished me with the proof that this debt belongs to me. I actually received an email from XXXX XXXX recently and in that email they attached an invoice for someone other than me. The invoice was created with some software and not a real copy of an invoice that was signed by anyone. This has been going on for months and its negatively effecting my credit score. I thought the credit bureaus would help but they haven't and the original creditor just gave me the runaround. I desperately need this off my credit report. I'm taking this step before I pay an attorney to represent me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I opened a no interest account at Jared 's on XX/XX/2019 and was offered zero interest for 12 months. I have received 3 billing statements and the 1st billing statement I was charged no interest and then after reviewing the 2nd & 3rd billing statements noticed that I was assessed a 28.24 % interest fee. I would never have agreed to open the account if there was the significant amount in interest. I believe that I have been part of a bait and switch finance scheme & I have contacted XXXX XXXX   & Jared Jewelers and the response that I have received pretty much stated " sorry you do not have an zero interest account. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Account # XXXX has not been updated since XX/XX/19 as paid and no balance of {$0.00}

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 2019-05-07 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: CO

Complaint narrative:
Credit card account through Chase bank ending is XXXX have charged me an annual fee of {$450.00} with a credit card limit of {$1500.00} on XX/XX/2019.  This is a violation of the CARD Act of 2009. Called and they will not remove the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: NH

Complaint narrative:
XXXXXXXX place XXXX, FL XXXX XX/XX/2018 National Credit Card/ airlines XX/XX/2018 Syncs XXXX Fl XXXX Two reports, both because of Care Credit. I have complained and they said to contact you. 
I want this removed from my credit report. I have paid off Care Credit, in full and this is unacceptable. I will never use them again

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 2019-05-07 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I closed my XXXX XXXX account in XXXX of XXXX. I received my federal income taxes around XX/XX/XXXX to my prepaid American Express. I was charged {XXXX} on XX/XX/XXXX to my prepaid American Express. I have disputed the charge three times to American Express has denied my dispute even though I did not authorize this charge. I requested a debt validation notice from XXXX XXXX in XXXX of XXXX. I did not receive any validation information as XXXX XXXX was collecting on behalf of XXXX. I spoke with a supervisor named XXXX whom advised that XXXX sent a letter advising i could dispute the charge and XXXX would not attempt to recollect but would not give a direct company refund for the charge. I requested a copy of the letter per my FDCPA and consumer rights and was advised XXXX could not resend the letter. American Express has no right to pay a charge I am disputing from my prepaid American Express. This has caused me grave financial harm as my this money from taxes was for my kids and past bills. My water was turned off for 3 days due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one unfortunate XXXX XXXX XXXX account has been reporting under my credit file for the last two years, i keep telling them this is not mine, i have never had a XXXX XXXX XXXX card, i even received a police report since i had been a victim of ID theft. this is not mine, i need t have equifax which is the only reporting agency reporting, have this removed from my credit file. 
thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have a car in lease. I signed for a loan XX/XX/2019 at XXXX..went back to dealer XX/XX/XXXX XX/XX/2019 .I asked him to cancel loan it was to much. That I needed to extend the lease. So I extended lease with XXXX XXXX. Filled out paperwork and explained what happened at dealership. This was done XX/XX/2019.I was told not to worry they will extend my leases. They receive my money and the contract. But on XX/XX/2019 the dealership with through with the loan. So XXXX XXXX told me because they received the money before mines they took the check. But they also took my check and cashed it. .for my lease extention

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 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX Paypal put limitations on my account, citing inconsistent account activity. On the same day, I called Paypal customer service countless times. During those phone calls, no one could tell me why limitations were being placed on my account but during the last call of the day, I was guaranteed with 100 % certainty that I would receive the money in my bank account by the end of the day. I woke up Saturday and still could not access my account. So I called customer service again and asked to speak with every supervisor possible. Each supervisor guaranteed that I would receive my money as well, by the end of the day, and with 100 % certainty. It is Tuesday XX/XX/XXXX,  and I still do not have access to my money. Further, I received an email stating that my account was being closed and that they are now going to hold my money for 180 days. I have not misused my paypal account and gave them no reason to place this hold on my account. One of the supervisors even told me that my account looked to be in perfect shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express called my family members, my minor children, my childs boyfriend, my husbands work associates repeatedly over and over until they each answered and told them all that I wrote them a hot check for {$9000.00}. Which is not true. My husband discussed paying them to settle, but became cautious when they wouldnt email us or send us a letter regarding the settlement. When my sister told this representative that this was very unprofessional, he kept repeating himself to try to make her understand that we write hot checks. I dont know who all they called and I dont know how they got their numbers. We never gave them our minor kids phone numbers and obviously my daughters boyfriends number nor my husbands new business associates. I cant imagine sharing my personal info and harassing innocent people being legal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: MI

Complaint narrative:
To Whom It May Concern : I know you have an oath. I know you have an oath to the state that we are in. I know you have an oath to the United States, so I accept those oaths, both of them. 
I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us. I have offered to settle the matter between myself and XXXX XXXX. 

MAXIMS OF EQUITY 1. Equity sees that as done, which ought to have been done 2. Equity will not suffer a wrong to be without a remedy 3. Equity delights in equality 4. One who seeks equity, must do equity 5. Equity will not aid a volunteer 6. Equity will not allow a statue to be used as a cloak for fraud 7. He who comes in equity must come with clean hands And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession, and ye shall return every man unto his family. ( Leviticus 25:10 ) ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 March 9th 1933, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of 1968 ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ).

1. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 2. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
3. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Our family applied for a conventional mortgage on a home. We offered {$240000.00} on the home, along with {$5000.00} in case the home did not appraise. We did this due to the fact that there was an issue with other homes in the area not appraising for their purchased value. 
We contacted Chase bank in Arizona who we were referred to. The loan officer ensured that the appraisal would be waived on several occasions over the phone and via text message. Needles to say, he did not have the authority to do so, which he did not tell us. 
Instead, we were accosted by an appraiser who was at the house, unbeknownst to us, or the seller. The appraisal returned lower than expected and we have to cover the cost of both the appraisal and the variance in value. We did not budget for this cost after speaking with the loan officer at Chase  because he told us he could have the appraisal waived and sold us on the fact that JP Morgan Chase does it's own underwriting. 
Subsequently, we determined that this loan officer, and the superior lending manager, did not have our best interests at heart. 
We contacted Chase bank in Michigan who guaranteed that the application can be processed on time, even if it was transferred to the local branch because, again, JP Morgan Chase does it's own underwriting. 
The office in Arizona has since ignored calls and emails and refuses to communicate a reason why they will not transfer the mortgage application to the Michigan office. This puts our ability to close on time in jeopardy. It will also cost use several XXXX dollars due to the Arizona branches loan officer lying about his abilities.

Company response to consumer: Closed with monetary relief