vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: WA

Complaint narrative:
received a call from the company and was told that the check had not arrived. I stopped payment on the check and then on XX/XX/2018 the check cleared my account throwing me {$890.00} into the negative. Thursday was XXXX so Friday morning I went to XXXX XXXX  to fix this matter. They could not refund the money because it had been hard paid on Thursday which was a holiday. They spent 3 hours calling the company faxing documents as per customer service agent XXXX 's request. Then we called to find out if they had received the papers and were told it would take 24 to 48 hours for them to receive them. That means they will not receive the fax till Monday or Tuesday and then it will take 3 to 5 days to get the money back into my account. This is unacceptable as I am in the negative now! I have other bills that will be coming out of this account that have already been mailed out because this money was never supposed to leave the account. Then after 6 hours I called again and spoke to someone named XXXX who told me there was nothing he could do that this was their policy and we were stuck with it. He also could not give me a last name and ID number or a direct line to call him back on Monday to find out if they have received the papers. I have never dealt with such an incompetent company in my life. Last month they lost our checks as well and miraculously found them 3 days later. I would like my money immediately since they received it immediately when they put the check in the bank. We are not living in caveman days it does not take 2 days to get a fax. It also does not take 3 to 5 days to transfer money from one place to another. It should be by the end of business today. What am I supposed to do to pay my bills when they have basically stolen money from me and are holding it hostage I would like a phone call, and email, or a letter from you telling me what you plan to do about this. This company is not doing business in a reputable and upstanding way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meyer & Njus, P.A.
State: IL

Complaint narrative:
Back in XX/XX/XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XX/XX/XXXX, so I had the original balance in the paperwork and I explained this to the Representative.

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX and was told they can not do this. The attached letter is what I received and that is all, no other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — I do not know
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: NJ

Complaint narrative:
1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX  3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX  purchaser of these debts from XXXX  and XXXX  ( South Dakota ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that XXXX, XXXX  and XXXX  are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.

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 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$26000.00}. 60 month loan by Chase Auto Finance. Contacted Chase at the end of the loan term for a pink slip to my car. They claimed I owed them 9 months. After several calls they claimed I owed them {$4800.00}. I was never sent any back-up. Not by email nor by mail. Not one letter. Not one phone call. I contacted them numerous times for over 12 months. I sent emails and made phone calls. There is recorded evidence of both. I was told in a recorded conversation that this loan was now a Charge-Off. And was told there was no further action needed except that I was to pay off the balance in full. I spent months trying to negotiate a payment plan. They refused any payment offers -- only if I made one payment in full. I sent emails that included proof of insurance and that I was keeping up with car repairs, oil changes, etc. I sent emails of appraisals of major work that needed to be done on the car. More then one year later I began getting harassing calls at all hours. One was threatening " You know who I am, you know what I want ''. I reported the call to Chase Auto and filed a complaint with the police department. Several calls were made to family members including not only my XXXX year old mother, but an Aunt and Uncle in another state. One day in XX/XX/XXXX they entered a private, secured and gated garage illegally ( by following another car into the garage ). They took my car. It took me two days to find the car ( according to Chase they couldn't figure out who had it ). I was never sent a notice with intent to repossess. I was never sent any notices by Chase. I was sent a notice dated XX/XX/XXXX which I did not receive until XX/XX/XXXX that they would sell my vehicle within 6 days. I owed {$4800.00} and they sold it for {$6100.00} and still they are claiming I owe them money. 
I had 4 previous XXXX XXXX leases without one issue or one problem. Only with Chase Auto was there a problem. 
I am currently forming a class-action suit for Illegal repossession + violations against debt collections act + violation of Colorado law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.

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 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Back in XXXX XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX   Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XXXX, so I had the original balance in the paperwork and I explained this to the Representative. 

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX  and was told they can not do this. The attached letter is what I received and that is all, no other communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jon Barry and Associates, Inc.
State: PA

Complaint narrative:
this collection agency calls me several times a day and treating to sue me for the medical bill I do not own. I informed this company to stop harassing me many times and continued calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB : On XX/XX/XXXX, I clicked through the promotion link inside the advertising email from American Express . I upgraded my XXXX XXXX everyday card into XXXX XXXX XXXX card. Inside this offer, it clearly states that I can earn a {$250.00} statement credit after spending {$2000.00} in purchases on my new card within three months. 

From XX/XX/XXXX to XX/XX/XXXX, the amount of my total purchases is {$2700.00}, which has met the expense requirement. The prorated charge of the upgraded card annual fee was {$15.00} and my membership fee ( {$95.00} ) was renewed on XX/XX/XXXX. 

After I had waited for a while, I still didn't receive the {$250.00} credit. I reached out to the customer service over online chat. I was told that I didn't meet the expense requirement from XX/XX/XXXX to XX/XX/XXXX, therefore I am not qualified for promotion bonus. 

Either 1. the information provided by this customer representative or American Express system is wrong by mistake, or 2. American express intentionally provides the wrong date to avoid issuing promotion bonus. 

No matter either 1 or 2, without a shadow of a doubt, this error is made by American Express. Two reasons are listed below : 1. I have double checked and confirmed with the customer representative that my upgraded membership prorated charge covers from start day of the upgrade to the annual renewal date. I have also confirmed with the customer representative that my renewal date is XX/XX/XXXX and the prorates was calculated as per month- in my case : two months. Known the fact, American Express is in no position to neglect the fact that my upgrade date is XX/XX/XXXX. 

Online chat records are pasted below : " Now the {$95.00} fee is charged fromXX/XX/XXXXtoXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX " So the next fee will going to charge onXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX  " yes, We calculate the prorated fee as per month. So you were charged of {$15.00} for 2 months. '' XXXX- XX/XX/XXXX XXXX XXXX 2. The customer representative claimed that I called on day XX/XX/XXXX to upgrade the card, which is a complete lie. I asked for a copy of a chat or call script record or signature or verbal consent on upgrading my card on that date, the customer representative immediately took back his false claim and provided a simple apology for his untrustworthy and irresponsible behaviors : " My sincere apology for the fact that I mentioned the conversion done the phone, I overlooked the notes. Sorry for that. '' - XX/XX/XXXX XXXX XXXX I would appreciate CFPB to weigh in to enforce the correction of this error made by American Express. Because the customer representative refused to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have received no communication on this debt whatsoever. This debt has been paid twice. It was discharged in my bankruptcy and was also paid off again 2 years ago, which I had to do to be a current XXXX account holder. I am requesting this company validate this false debt and remove it off my credit report until it is proved valid. I have disputed this debt with 3 different companies and no one has been able to validate it, since its not owed.

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