vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
My name is XXXX XXXX, the email account listed on the account is XXXX. I made an online purchase in the amount of XXXX from XXXX XXXX on XX/XX/2019. The funds were debited from my account on that day. The purchase was supposed to be delivered XX/XX/2019. However, the post office said the merchandise could not be delivered and returned the purchase back to the manufacture. At that point I submitted a disputed claim with XXXX XXXX   the company listed on my card, this was done on XX/XX/2019. They took the information, however they never resolved the dispute and I am now I'm out the XXXX. How do I get this resolved

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 2019-01-31 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their card they will close my account which may impact my credit score. to summarize : " We noticed that you haven't used your Account in a while, and unfortunately, your account is automatically scheduled to close soon. As with any change in account status, this closure could impact your credit score. If you'd like to keep your account open, simply make a purchase on your Card by XX/XX/19. " this is the definition of extortion - the practice of obtaining something, especially money, through force or threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I received a loan from XXXX XXXX XXXX in XX/XX/XXXX. It was immediately bought by XXXX XXXX and is serviced with RoundPoint Mortgage. They have made multiple errors in payments with my escrow account. First they paid taxes on a piece of property that is in my name, but is not covered by the mortgage I have with them. They corrected the property information on the account after months of phone calls and emails. They have recently realized that I have been over charged for my escrow in my loan. They refunded {$1600.00} at the end of XXXX. 
Instead of reducing my escrow they have decided to increase my escrow based on a random calculation. This allows them to hold {$1700.00} a year over the base cushion required in my loan. My loan requires an escrow cushion of approximately $ XXXX/year. In XXXX I had {$1600.00} over that cushion. 

Now in XXXX I will have {$1700.00} over the required cushion in my loan. No amount of phone calls and paperwork filed with RoundPoint mortgage has resolved this issue. 
In addition, I never signed a loan with RoundPoint mortgage. Why am I being forced to maintain an escrow account based on a 24 month requirement that I never agreed to? 

I have never missed a payment. I pay all my bills, credit cards included, in full every month. I have excellent credit. The escrow account should not be a requirement with RoundPoint as I never signed an agreement with them. I applied to remove the escrow due to their errors and my excellent credit, and was denied due to a 24 month requirement. 
This company has made correcting their mistakes regarding my escrow a full time job. 
HELP

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 2019-01-31 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: CA

Complaint narrative:
I requested from Equifax documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: McCarthy, Burgess & Wolff, Inc.
State: DC

Complaint narrative:
McCarthy, Burgess & Wolff, self-described as a " Accounts payable firm '' keeps calling and asks for someone by first name. There is no such person named like that here. I have asked them to stop calling, but a different person ( voice ) calls every few days. None of the callers will give their own names. Sometimes they refuse to give their company 's name. Caller ID shows their number as XXXX. Never received any ten correspondence from them, so they must be part of a fraudulent operation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Cycleone Financial Group
State: FL

Complaint narrative:
On XX/XX/XXXX/2016, I was excited to go in and look at motorcycles. I entered XXXX XXXX XXXX XXXX XXXX in XXXX FL. Prior to this i looked at inventory online and saw what I wanted and didn't want anything else but this XXXX XXXX XXXX sports bike. I sat with one of the sales guys and he told me I was approved and that my loan would be for 2 years. I was so excited about this I was not even thinking, i was signing away paperwork. The bike in the dealer was in the amount of {$5900.00} with dealer fee and tag title, came out to XXXX. I gave a down payment of XXXX. I have had my bike for 2 years and I am still making payments on this bike. I asked the place Cycleone Financial,  where i send my payments when i look at my documents they had me sign a Lease document on a used bike that had 32,000 miles on it, on the paperwork it states it had 18,500 and that is wrong. When i am finish paying this bike it would total {$14000.00}. If i would have known this i would have not bothered to take the bike. This bike since i took it out the dealers lot has given me problems, non stop. I asked and i was not able to even trade my bike in for another bike, i wanted to because the bike was giving me to much problems, i was denied that opportunity for a trade in. I was blind sided due to my excitement, this bike is not worth XXXX, not even with interest rate would this had come out to that much. My bike has been to a shop over 6 times in 2 and half years. I take very good care of it, its a passion I have but all these issue is uncalled for. When i first took it out all the lights were coming off, I had to use my warranty for a starter the 1st year. Thinking it was leased when I found out you would think they would let you get into something else especially when they automatically put you on a lease without you knowing. the paperwork from the dealer itself has my sisters social. Not on the one being attached. Motor has been replaced as well, like come on! I am really really upset.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit has called me repeatedly using various phone numbers over the last week. They called my husband ( also on do not call ) on XX/XX/2019 asking for me as well. 

Today XX/XX/2019 I asked for the name of the person calling - XXXX XXXX - and asked for his supervisor 's name and he refused. This XXXX XXXX kept asking me if he could record the telephone call. 

I have no outstanding debts. I have excellent credit. I have frozen my credit. There is no reason for them to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Chase bank of a fraudulent application submitted with his information without his consent for a Chase/XXXX account. An inquiry was made into his XXXX and XXXX credit report ( s ) XX/XX/2018 related to that application. An official dispute of this was mailed to Chase/XXXX   XX/XX/2018 ; as of this date Chase/XXXX  has not provided an update to the investigation of this issue which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
HELLO I'M HAVING PROBLEMS WITH THE BANK CITI BANK THE DAY XX/XX/2019 A PAYMENT OF {$1000.00} WAS ALLOWED TO THE COMPANY XXXX BUT THE MONEY NEVER RECEIVED THE {$1000.00} DOLLARS ALREADY CALLED MULTIPLE TIMES TO CITI BANK BUSINESS ONLY I CAN ANSWER THAT THEY ALREADY DELIVERED THE MONEY BUT THAT IS LIE XXXX STILL DOES NOT RECEIVE THE PAYMENT THE {$1000.00} WAS PAID TO THIS COMPANY FOR THE FINANCING OF MY VEHICLE THE COMPANY GAVE ME A CHARGE OF {$100.00} FOR LATE PAYMENTS BUT I NEVER PAY LATE IT WAS CITI BANK BUSINESS THAT I DO NOT DELIVER THE FUNDS AND I DO NOT KNOW WHERE THEY WANT THIS COMPANY TO PAY ME ALL CHARGES THAT I GAVE FOR CITIZEN OF CITI BANK ..

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NORTHERN HILLS COLLECTIONS INC.
State: WY

Complaint narrative:
On XX/XX/19 I called Northern Hills Collections located at XXXX XXXX  XXXX XXXX, XXXX SD XXXX, and attempted to set up a monthly payment with XXXX and XXXX. Both ladies were extremely rude, understandably, and refused to send me further information about my case that they have. I requested documentation about my file with them, and they stated that they had already sent it, and didn't have to send another one unless I sent a self marked envelope to them. They refused to give me in any kind of writing what I was agreeing to pay them monthly. When I asked, several times, if they were obligated to do this, to give me an agreement, they simply refused to answer, yes or no. They refused to give me any form of update on my payments, saying that I could keep track of those records myself through my bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
on traded in my car for a new car in XX/XX/2017, I was told I owed nothing else by the dealership, I them received not one but three bills total in reference to closing the lease. 
As noted in my attached letter, after paying the first bill and being told I was again paid in full I received a second and then third charge. Paid # 2, on 3 I requested written documentation of taxes as I owned the car for 2 yrs and  they were billing for 3. I was abused and repeatedly told by Honda Financial, to go to my town and get the info, that they had no info and that they did not care what my rights were. If as the announcement says on their greeting this should all be recorded. 
They reported me as delinquent to a credit bureau although this is not allowed under consumer law when a charge is in dispute. Finally after receiving a mildly plausible written explanation I paid them on XX/XX/XXXX a settlement amount they requested. I did write " to pay debt with acct # in full '' on check along with letter I sent with the check also confirming that. They proceeded to put me in collections for XXXX. I only requested they remove the information on my credit report and accepted their settlement ( not mine  ) as payment in full. Documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: IL

Complaint narrative:
I disputed XXXX 's back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX-XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation :  Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX XXXX XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow XX/XX/XXXX/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX to XXXX XXXX Monday Friday in your time zone. 
DESCRIPTION OF NON-MONETARY RELIEF The disputed address has been deleted. XXXX XXXX XXXX XXXX MS XXXX. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Now on XX/XX/XXXX, this account has been added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I sent a handwritten check payment overnight through the USPS with a receipt of proof. GM fiancial started sending me late, no payment received notices on XX/XX/XXXX. On XX/XX/XXXX I called customer service and I sent an email to cxo.resolutions@gmfiancial.com showing the payment was withdrawn from my account on XX/XX/XXXX. I spoke to customer service to get the email on the 12th. I then spoke to customer service 2 more times and sent an email to XXXX XXXX showing proof of withdraw. I never heard from anyone until I recieved another late payment notice in XXXX. ( my statement is how I was contacted ) Again 3 more phonecalls and numerous complaints on GM complaint site, no one was willing to help me. Each customer service rep kept telling me they needed an entire bank statement in order to solve this matter. I sent a third proof of payment again on XX/XX/XXXX after someone in the complaint department reached out. For the first time, I was told the proof could not be an aldered bank statement, nothing blacked out, they must see everything including my deposit and withdraw of payment. XX/XX/XXXX Two more phone calls, one hung up on me, one CSR laughed and put me on hold when I asked for a manager. XX/XX/XXXX My federally insured bank sent proof to me to send on, but GM said it was unacceptable. At my wits end I went back to the post office and they helped me track the bill. IT was delivered and signed for ... XX/XX/XXXX ( MY GM dealership helped me track it down and see who and where it was delivered ) XX/XX/XXXX After a lengthy call ( 1 hour 20 minutes ) I was told the only way to solve this was to give them a rolling bank statement. Through my dealership I found that XXXX is the bill pay company. Finding them on the web and calling, phone disconnected but I found they were bought buy XXXX, which I have tracked down myself. XX/XX/XXXX I called XXXX  to share my concern of the missing payment and thank goodness someone there was willing to help. XX/XX/XXXX ccording to XXXX they are working with GM to find my payment. It has been 10 phone calls to GM, 2 to XXXX XXXX, 3 emails of proof, numerouse complaints, and 4 months of searching .. still no resolve and it is hurting our credit report! I am angry and frustrated that GM treats their customers this way and they have a right to my entire bank statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017. 
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims. 
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested from XXXX  documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it 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 explanation
Consumer complaint received 2019-01-31 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
3 unauthorized debit charges on XX/XX/XXXX totaling {$77.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / INTERNATIONAL SERVICE FEE CARD NBR : XXXX {$2.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX CARD NBR : XXXX {$75.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX WA CARD NBR : XXXX {$0.00} Submitted an affidavit through XXXX XXXX branch but didn't receive any feedback or credit back. Tried calling customer service and they are not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation