vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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: NY

Complaint narrative:
On XX/XX/2019, my account on a vendor 's website ( XXXX ) was hacked and many hundreds of dollars worth of goods were charged to my credit card account. The XXXX XXXX hack was a well documented data breach affecting millions of customers and I was one affected. 

I contacted XXXX XXXX support and they were able to reverse a charge that hadn't shipped, but they said they were unable to reverse a second charge, and to take it up with my bank. 

Later that day, I contacted Chase Credit Card services to report fraud on my account. One call after another, I would eventually hit a dead end with trying to report this incident. The fraud department said since I had a previous relationship with the company ( set up an account with my Credit Card ), it could not be classified as fraud, it was a case for disputes, and when I got transferred to the disputes department, they said that since I had not ordered anything, it could not be considered a dispute. I called multiple times and finally got transferred to a fraud specialist that filed the charges as fraud. 

Today, XX/XX/XXXX, I was notified that the charges were put back onto my card. Chase once again bumped me from representative to representative, saying that the transaction was considered authorized. 

Both XXXX and Chase have made it intentionally hard to retrieve fraud money back, with lots of blame spreading and weird loose classifications of fraud and disputes where they can put you into a black hole of service where you never get your money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have had a secured XXXX XXXX card with USAA for about 4 years. I am also currently living abroad for work. I recently checked my messages on the website and noticed that the {$35.00} annual fee was past due. The card statement said that this was due XX/XX/19, so I paid it. Several days later the card was closed. I called to ask why on XX/XX/19 and they said because I did not pay the annual fee. I saw in the statement that I had, so I asked them to reinstate the card or refund the {$35.00} I paid as they did not provide the service I paid for. They said they would do neither of those and I asked for a call back from a senior banking specialist as they would not let me talk to them over the phone at that time, and I have heard nothing since then. 

It seemed simple and obvious to me to either provide the service they took the money for, or refund me the money, but I cant seem to get help from them, so I am requesting your help in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX three VISA prepaid gift cards ( The Visa Gift Card is issued by XXXX XXXX XXXX XXXX pursuant to a license from Visa U.S.A., Inc. ) were purchased from XXXX XXXX XXXX XXXX, each with a gift value of {$120.00}. I was presented one of these cards, as were two other friends, as a gift. Prior to any of us being able to use the cards, we found out that the three cards had been fraudulently used. I found this out when I attempted to register the card at XX/XX/XXXX and was not able to do so. I found out that the card had been used for {$110.00} on XX/XX/19 and on XX/XX/19 for {$5.00}. 

I first attempted to register my card on XX/XX/XXXX. When I called customer service per the instructions on the website, I was told to fax ( not email ) copies of the original gift receipt, the front and back of the prepaid gift card, and my ID ( including enlarging the materials 200 % and lightening them for the fax ). Which I did on XX/XX/19, and the facsimile machine confirmed receipt. After not hearing from the VISA prepaid gift card company, I called on XX/XX/19 only to be told they never received the fax. So I re-faxed everything again on XX/XX/19 ( again receiving a confirmed fax report ). After again not receiving any response, I called the company yet again on XX/XX/19, the company told me the copy of the original receipt was not clear enough and to-refax it yet again. On XX/XX/19, after not hearing anything from the company I called yet again ... this time they told me the copy of my ID was not light enough and to refax it yet again. 

This is worse than the thief who stole the money off the cards in the first place. For that matter, I'm beginning to think the whole thing is a scam. I mean, it's 2019, who doesn't allow you to EMAIL documents in! Relying on a fax?!?!? And not calling me ( even though every time I included my phone number on the faxed messages ) despite the multiple iterations of faxing the materials?? These guys are just making it impossible to get the money that rightly should be refunded and put back on the card!! VISA XXXX is a horrible business!

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: OK

Complaint narrative:
I took out a mortgage with Guild mortgage in XX/XX/XXXX. I paid my mortgage down to XXXX XXXX on XX/XX/XXXX. Guild mortgage is still charging me PMI of {$150.00} per month. I have advised them of their mistake but they refused to refund the {$5700.00} they erroneously took from me. Ive recently become aware that this is a violation of the federal homeowners protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Got a letter from Security Credit Services , LLC to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or Security credit services , LLC has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Suffered Financial Hardship. Instead of filing BK, I negotiated with Capital One to repay outstanding credit card debt.

2. Entered into an agreement on XX/XX/XXXX at a set balance and repayment amount to make monthly payments. This account was not accessible to me online, it was by billing through regular mail only. 
3. Capital One accepted monthly payments and on XX/XX/XXXX, they changed account supervisors and reset the amount owed to a higher, incorrect amount. I continued to make payments even though they changed the agreement. I was unable to get anyone to communicate why the change in amounts owed. I made 67 consecutive payments. 
4. In XXXX of XXXX, I stopped receiving statements and I had no idea what my payment or balance owed was at any time after the statements stopped. The account could not be accessed via phone or online. I called my account supervisor XXXX XXXX several times with no return call. I continued to blindly make the {$100.00} per month payment with an old payment coupon.I never received any communication past this point from Capital One. 
4. XX/XX/XXXX I made what would end up being my last payment. I called Capital One in XXXX, because I was no longer receiving billing or statements with the outstanding account balance ( which was incorrect from the unexplained reset anyway ). The person I spoke to said they never received a XXXX payment and the account was permanently closed. I explained to her that I had confirmation that they had received the payment. I did have a credit report pulled and it showed the payment being made, but no change to the balance owed, and again the balance owed was not accurate. The credit report indicated the account was settled.

5. I received no further communication or return calls from Capital One after they told me the account was permanently closed.

6. XX/XX/XXXX I received a collection notice demanding an amount higher than what I owed to Capital One from a collection agency. They have threatened to sue me, and ruin my credit. They insulted me about having an outstanding debt. I tried to negotiate and they refused. 
7. I called Capital One to find out why they sent the account to collection instead of communicating with me directly and continuing to accept my payments. I upheld my agreement for 67 consecutive months, and I would continue to meet my obligation until the debt was paid in full, however they made that impossible when they stopped communicating with me, changed the terms of the agreement without notice, and stopped sending statements without notice or cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: White Jacobs & Associates
State: MD

Complaint narrative:
On XX/XX/2018 I signed up and paid for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00} ( see banking statement attachment ) This fee was paid prior to any services being rendered. Following that payment I was then subjected to $ 100 monthly withdrawal of my banking account to maintain the service. 

During the months I was a part of this program I expressed concern on several occasions for the lack of progress and communication ( see attached ). I also expressed the hardships that came as a result of the large lump sum of {$890.00} along with the ongoing {$100.00} payments I was required to make. As a result, I was thrust into a financial hardship and had to discontinue my service. Over a year later and Im still feeling the effects of this ordeal and have recently entered a credit counseling program ( free of charge ) offered through a local non profit organization here in Washington, DC. There I was enlightened about the FTC Credit Repair Organizations ACT ( CROA ) and how it was employed to protect consumers from such experiences. Had I known about these regulations and this Act I would have filed this complaint way sooner but unfortunately I never knew such a thing existed. Ive always thought this to be an unregulated field which was how so many get taken advantage of, including myself. I further learned there was a section which specifically speaks to this practice and that was section 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts my experience, and is in direct violation, as I was required to pay a large sum of money before any services were ever initiated. Additionally, I am able to supply banking statements of the {$890.00} payment being made, as well as the ongoing {$99.00} per month payments. Furthermore, I am able to supply you with a copy of all my letters from the bureaus confirming the accounts in question during my time in their program as well as proof of the financial distress that I have continued to endure since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
I was in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I have been working to obtain a VA loan for a home for my family. However, I have 4 collections through the same agency that have to be deleted in order for my credit score to reach the required number. I called this agency several times ( fromXX/XX/XXXX to XX/XX/XXXX ) and was given excuses as to why they couldnt delete them. Some of those excuses were that its illegal, they have a contract with the credit reporting agencys, and that its not honest. Each time I called, they would give me a different reason that they couldnt help me. I offered to pay all 4 collections in full provided I could have them deleted, but they said best they could do, is mark the accounts as XXXX. Any help you may be able to provide would be greatly appreciated. The collection agency is XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IN XXXX. Phone number is XXXX. The first two collections is from XXXX XXXX one is for {$580.00}, which was opened on XX/XX/XXXX and the other is for {$370.00}, which was opened on XX/XX/XXXX.The next account with them is from XXXX XXXX XXXX ( accountant ) for {$350.00}, was opened on XX/XX/XXXX. The last account with them is from XXXX XXXX XXXX XXXX XXXX for {$250.00}, was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: AL

Complaint narrative:
There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$1600.00}. It is accepted that Merchant 's Credit, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: AL

Complaint narrative:
There was a Notice and Demand for Payment opened XX/XX/2015 to recoup the exact value of the illegally collected debt in the amount of {$460.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical  payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover call day long. Very disturbing. They threatened me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: AL

Complaint narrative:
There was a Notice and Demand for Payment opened XX/XX/2014 to recoup the exact value of the illegally collected debt in the amount of {$900.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Several years back my mortgage payment kept increasing when it was supposed to be a fixed loan, I ended up losing my house Because the mortgage company refused to work with me. After they asked for a set amount to pay to get us caught up, they ended up foreclosing on the home on XX/XX/2012. I contacted a company that I saw advertising on Tv that was supposed to help me avoid foreclosure where I had to pay XXXX down and they would take care of the rest, obviously when I tried to contact the mortgage company to see if they had spoke to this firm, they said they dont work with those types of companies and we was just put that money also. We asked the mortgage company what it would take to keep our house but they refused to take any amount we offered but they ended up selling at the auction for around 24k dollars or maybe it was a little less, either way we owed at least 3 times as much for the mortgage. I ended up filing bankruptcy in the end because they tried to stick me with the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My spouse and I opened a joint Citi Checking and Savings account on XX/XX/XXXX, and the terms represented that there was a {$400.00} sign on bonus once we fulfilled the requirement of maintaining a balance of {$15000.00} for 90 days. 

We met this requirement by maintaining balances well above the required and called their customer support line to get confirmation. They confirmed we had met all requirements and had to wait for up to 90 days before getting credited. 

After waiting more that 30 days, I received a notification from them that I was being denied the bonus because I didn't qualify. 

I have been skeptical about this bank after reading multiple reviews of people getting fraudulently denied bonuses. They are reputed for deceptive and misleading advertisement and extremely poor customer service. 

Furthermore, they perpetrated similar deception to me 4 years ago and I unfortunately didn't report it then. Their actions is in clear violation of the FTC 's rule against unfair practices by businesses.

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