vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
hi my name is XXXX XXXX XXXX, I 'm writeing requiring assistance regarding the relevance of my American Express Serve refillable debit card-gift card ... ..aswell in accordance with the XXXX XXXX XXXX XXXX.program. i was offered the opportunity from a operator in a American express Serve card, discrepiancy -XXXX/call. from there within being told i would be able to attain for a fee of XXXX  dollars..not only in relevance of a lost or stolen card ... but when i agree i would be able to add a second card even if prepaid and i still would be able to have the opportunity to refferiance if not or never memorized the card or account number, .. to both by route of the American Express Served card , weather over seas  as well as refferiancible international ... with the ability to obtain with only or initially just providing my social security, ..address ... .birthdate, .aswell as the purchase date and following transactions from purchase about five transactions ... my problem is i ca n't get the right office with the XXXX XXXX XXXX ( program ) - ..i got a bunch of different numbers one was XXXX ... but none would help they just keep redirecting me.. i need my money urgently so I 'm sending this .... i even upon purchase inquired if Serve card relevance within the nesicety to contact you guys at the XXXX ... would provide immediate clarity with what i need ... from there/here i need my account number or card number as soon as possible I 'm unable to access my funds an their would be $ XXXX-and change on the card/in the account.. for the original gift card swell as there would be $ XXXX- dollars in the Serve card account/or serve card ... from there i have a bit i have to pay tomorrow early i would like you to speak to them they usually work pretty quickly the last occurrance i believe i needed a confirmation number or an refferiance number hubby if you work with haste i would be able to fulfill my obligation with no further sacrificing ACTS! ill also file an accessibility complaint with you guys refferencibly XXXX XXXX XXXX, from there associating XXXX XXXX XXXX the Section Chief ordinet, information and policy ... aswell as XXXX XXXX the decisions analyst ... to gain some alacrity ... ..but initially please help as-soon as possible i believe only a phone call I 'm just without the direct number -depatrtment relevance is severe ... pleas prior to the XXXX of XX/XX/XXXX..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.

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 2017-10-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

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 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH

Complaint narrative:
I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony Bank gave the wrong information to XXXX 's XXXX who got the information directly from the bank who was supposed to give the account number since I could not provide and it was the wrong account number I contacted the bank to Fraud Unit and the State Attorney General 's office and no one seems to be able to get the bank to see that I 'm paying on an account that has best switch and so I need them to move the account that should be XXXX 's from XXXX so that it will be the right money going on the right account I talk to everybody and they wo n't do it at synchrony and so I have a problem with this being able to pay my account in the money going directly to that right vendor

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: FL

Complaint narrative:
XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. 

Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. 

I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. 

I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I opened an account with XXXX XXXX XXXX to connect a land phone line at the home I leased XXXX XXXX 2014. XXXX XXXX XXXX  later called me and told me they could n't connect the service since homeowner had another phone line connected at the same address. Homeowners did n't want to disconnect their service so I hired XXXX ( internet phone line ) to connect service. 
Today checking my credit score I noticed a collection from a company called IC Systems from this account that was never connected, so from a service that I never received!

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Fraud, Robo Signed Documents submitted to The Circuit Court of the XXXX Judicial Circuit XXXX County, Illinois on XXXX XXXX, 2016 case # XXXX XXXX XXXX. I have included a Certified Forensic Loan Audit with an Affidavit for my property XXXX XXXX XXXX, XXXX XXXX, Il XXXX. Shellpoint Mortgage Servicing and its council failed to review documents and files to establish standing and other foreclosure requisites ; filed notarized affidavits which falsely attest to such a review and to other critical facts in the foreclosure process ; and " robo signature '' of documents by parties and council. The wrongful filing and prosecution of foreclosure proceedings which are discovered to suffer from these defects may be cause for disciplinary and other sanctions upon participating council. 
XXXX XXXX XXXX Master Servicer Loan # XXXX, Shellpoint Mortgage Servicing - Loan # XXXX and its attorneys XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass Through Certificates - Regulated by the Securities and Exchange Commision. Note only one example of " robo signing '' and additional fraud is detailed are in the attached Certified Forensic Loan Audit, Assignment of Mortgage via XXXX, which is inactive but was submitted to XXXX County Recorder of Deeds by XXXX XXXX XXXX has XXXX XXXX signing on page 2 of 4 as Assistant Secretary of XXXX  and on page 4 of 4, has XXXX XXXX Signing as the Assistant Vice President of XXXX XXXX XXXX. I am request dismissal of case and Quiet Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, XXXX XXXX

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 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to XXXX individuals (? ) through paypal & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Every day someone calls me. I block the numbers and they use different ones

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advent Financial Systems, LLC
State: IN

Complaint narrative:
I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. 
Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. 
I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 
2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 
3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. 

In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. 

All responses are requested in writing to be sent to the address in the letterhead. 

Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid

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