vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I looked at my credit report and found out there was an account opened I had an issue about because the amount owed is incorrect. So i called the company holding the account and explained to them the amount listed on my credit report is double of what it should be because theres 2 names in court records attached to the bill owed so my responsibility for the bill is only 50 % which they admitted they knew that there was another party involved in this account and on the other persons credit report the same amount is also owed which is actually the debt collector attempting to collect double the balance owed on the entire debt. Then they proceeded to tell me they would give me a 50 % discount on paying my bill off not sure how there math works but here is how my math breaks down. 
balance owed in total : {$1000.00} my responsibility according to court records 50 % : {$510.00} inclueded 50 % discount to pay off the bill to the creditor {$510.00} The reason why its wrong is because there are 2 names attached to the same account 2 different credit reports showing the same exact amount owed in total amount be {$2000.00} when the actual amount is only {$1000.00}. Now what happens when i go to pay the bill because were not married say I pay the bill entirely at {$1000.00} which is the full amount owed the other party doesn't know I payed and its still on there report they pay the bill owed also the reporting company gets double owed amount because when reported on each parties credit report its the entire bill owed not the 50 % responsibility that each party has. How is this considered correct because if my responsibility is 50 % owed then my credit report should show {$510.00} and the other party should show the same and if the reporting agency was going to give me 50 % off then my bill should had been {$250.00} not {$510.00} id like to know how an entire bill is attached to both parties and being said this amount is owed by both parties when both parties are actually only responsible for 50 % of the bill and both credit reports show full amounts thats incorrect information 2 parties 2 bills not 2 parties the same bill twice it makes no sense.

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 2018-09-04 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: MD

Complaint narrative:
Over the past ( 10 ) plus years each time I filed a complaint with CFPB against the three major credit bureaus each had taken some retaliatory actions that immediately impacted and lowered the consumer credit score. More specifically I filed multiple complaints indicating the credit bureaus were purposely removing the credit limits on minorities credit card accounts intentionally lowering the consumer credit score. 

I recently filed a complaint against TransUnion for this discrimintory practice which they removed my credit limit from my XXXX trade line account impacting my debt to credit ratio and lowered my score. According to Trans Union XXXX was not reporting the credit limit which simply not true because it was showing on the other credit reports. 

To date TransUnion has refused to report my XXXX credit limit and continued to blame this on XXXX. Please find attached a letter from XXXX dated XXXX/XXXX/201, confirming their are indeed reporting my credit limit to Trans Union. Therefore, please investigate and find out why the credit limit was removed and provide consumers protection from this abusive discrimintory practice.

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 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have my payroll deposit funded through my XXXX prepaid rewards visa. The prepaid card offers a reward of one point per dollar spent and some occasions two times and three times points earned. Each point they state is earned per dollar spent. The prepaid card pays out rewards quarterly and there must be a minimum of XXXX points earned. That would equate to {$5.00} in XXXX rewards. 
Last quarter, XXXX through XX/XX/2018, once again the company shorted me on my rewards. I downloaded and calculated each months statenent. I should had been awarded XXXX points which equals {$83.00} in rewards. 
I was only awarded {$19.00}. A major shortage of {$64.00}. 
I continue to call the customer service number and continue to get the run around

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 2018-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I am going to try to consolidate this without get things to confusing. 

As you know I have been similar incidents with you regarding this in florida. 

We recently moved here to XXXX  from XXXX  and XXXX  froze credit. when trying to use card i was told to call in and get card updated. when I went to get card update XXXX  said card could be updated. 

In addition to this, XXXX XXXX informed me that XXXX had sent them a bad credit rating and they need to readjust my application. when I went to check XXXX I could acess account and was not able to use the web site. when I attempted to call again was blocked When we first moved here, we need to use credit report for phone and lights, previously we had to locked reports but report should have been open for two from the date I had initially open them, but when contact the recording agency one was XXXX  for lights, they said account couldn't opened. 

Include in this was another incident with credit union and bank account was open at one and ended up at another ; bank records can easily confirm this. 

Now these two other incidents, so we will need help to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My current account has been with Chase since XXXX. I also maintain a credit card account with them. I have a good credit score of XXXX and I have never been late with any payments. Additionally, my salary gets deposited in my current account and I've had a good relationship with the bank without any penalties or fees to date. 
I purchased a house on XX/XX/XXXX as an investment property with another lender because Chase refused to give me a home loan. This was despite having a regular salaried income where I work as a finance manager, a high credit score and no debt in any form. 
I was approached by Chase after the home purchase by one of their mortgage agents asking me if I wanted to refinance. I agreed and sent them all the required information including XXXX 's, tax forms, lease agreements, tenant check deposits etc. The mortgage agent requested a good faith deposit of {$500.00}, which I paid. The appraisal was done and the property was valued above the price i paid. My loan was locked at 4.5 %. I was asked to provide reserves, which I did, showing {$42000.00} of combined reserves. Chase now refuses to meet its promise by demanding more and more reserves, and refusing to provide the loan. This is an undue burden being placed on me, stemming out of XXXX discrimination. 
I am a woman who is not XXXX and speak with an accent. I have experienced first hand how difficult it is to obtain a loan despite having good credit, a good relationship with my bank and having my salary credited there. I never imagined that this level of blatant XXXX and gender discrimination is allowed to flourish with such impunity by banks in the USA. I am a XXXX, XXXX employee of a XXXX XXXX company and have worked in the XXXX field for over 8 years with a XXXX XXXX. 

Will Chase be demanding its white clients to jump through so many hoops? Would it require its white, male clients to pay higher than normal interest rates for the same risk profile? Would it expect its white, male clients to provide years of mortgage payments as reserves? When do immigrant women become 'perfect ' enough for Chase to provide a loan? 

They have no legitimate reason to back out of this agreement. XXXX XXXX the mortgage agent suggested that I shop other loans just in case. In case of what? In case Im not white enough, my name not anglicized enough or not male enough? If my salary is good enough for Chase to accept and do business with, then my credit should be good enough for a loan. Chase can not be allowed to blatantly discriminate and get away with this kind of shameless, immoral and unethical mortgage discrimination anymore. Its XXXX and not the antebellum South. Its time Chase realized that as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I repaid the debt for rent in XX/XX/XXXX. Now they're trying to collect liquidated damages -- XX/XX/XXXX. When I submitted proof to the court XX/XX/XXXX that I'd be out of town taking a XXXX XXXX XXXX in California in XX/XX/XXXX, I heard nothing until today, XX/XX/XXXX, I received a letter addressed to my job instead of my XXXX XXXX , which the court had sent notice XX/XX/XXXX, that I am due for trial XX/XX/XXXX. 

I had called the collection agency -- Quality Recovery Services -- what monies did they mean, they told me for liquidated damages for breaking the lease. I explained to them I was a crime victim and the roommate had stolen from me. I had not deliberately broken the lease. Now they're trying to ruin me by dragging me to court again and getting more money. This is abuse of the process. Liquidated damages are for losses, but not to be punitive. When I repaid them through garnishment, not only did they take {$300.00} every two weeks, they lost track of the payments. Fortunately my boss had kept a record. We were almost double charged. I have a real estate license now, and this is affecting my profession and my job. This needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX/XXXX  as an entity entitled to enforce a commercial claim against me.

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 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was called by XXXX XXXX and they left a weird voice message. I called back asking questions. They stated that I was delinquent on an account. They stated that it was a XXXX account. I informed them that I opened that account 10 years ago and that I don't owe anything.I asked, why isn't the company contacting me? They stated if I would go into the Wells Fargo bank, that they could pull up all of my information. I also asked, '' Why isn't this on my credit? '' They stated because it goes through a checks and balance system. I told them it doesn't make sense. They then stated that if I would have paid my debt, I wouldn't have this problem. I stated that I haven't received anything in the mail. They tried to identify my address. They have called my job asking if they could process serve me. They have also called my aunt and my uncle harassing them. When I asked about this they stated that they are trying to contact me to serve me. This is not making any sense to me whatsoever. This is harassment and I want it stop.

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 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On Thursday XX/XX/2018 I was looking for some last minute concert tickets on-line and XXXX website came out with some good offers. I decided to give one a shot since it was extremely tempting. I contacted the seller through gmail and she responded to all my questions. It was a total of 24 e-mails back and forth as to how she was going to transfer the tickets and how she wanted the money for them. She proceeded to give us her information and she wanted to be paid for tickets through XXXX. I had never used XXXX but had heard my husband maybe use it a few times with some of his co-workers. He works for USAA and since XXXX is available through USAA we thought it was a trusted app. We have been banking with USAA for the past 19 years and they have always stand by anything that is available through their USAA app. So I proceeded to ask my husband to transfer {$250.00} for concert tickets to her through XXXX. As soon as he put in the request to transfer the money, I notified her and she quickly responded that she had received the money and was transferring the tickets through XXXX. She assured me through our e-mails that this was not a scam and that she didn't have time to be taking peoples time and money. She was given us a good deal since she couldn't attend the concert since she had to work and didn't want the tickets to go to waste. Unfortunately, within the next XXXX minutes she stopped responding to my e-mails and never transferred the tickets that we had agreed on. As soon as this happened, I contacted USAA and after XX/XX/XXXX minutes on the phone with them, the representative suggested for me to contact my husband and tell him to put a stop/cancel the transaction through XXXX because maybe we were on time to stop the transaction. I asked them what if it's too late? he said, then call us back and we'll see what we can do. This made me feel relieved and thought they are going to put in an investigation and we will get our money back. So, I contacted my husband, but unfortunately it was too late because the money had left the account and he had gotten a confirmation. My next call was back to USAA. The representative asked a couple of security questions and transferred me to the fraud department to put in an investigation. After a couple of days, on XX/XX/2018, we get an e-mail telling us that they had completed the investigation and there was no error because XXXX is a personal money transfer service and does not provide purchase protection but ... ... we happened? We thought our bank did? They will be deducting a provisional credit of {$250.00} from our checking account on XX/XX/2018. Now we feel we have been scammed by the concert lady and our bank!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company name Chase Bank. 
Amount {$4000.00} Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase continues to make hard inquiries on my credit report, even though I never authorized them. I submitted a dispute letter and attempted to place a fraud alert with XXXX in XX/XX/XXXX. This stopped the inquiries for a time, but it started again on XX/XX/XXXX. 

The company 's information is as follows : CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Here are the dates that my credit was checked without my permission : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I ran my credit report and soft inquiries have been run on my report for things that I have not authorized, as well as seeing an address in my credit report that does not belong to me. Also every 2 weeks I get text notifications stating that money has been deposited into a payday loan and that payments on a payday loan have been made. You can see the soft inquiries on the credit report I have run and I will start to save the text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: On-Site Manager, Inc.
State: AZ

Complaint narrative:
I'm XXXX and I'm temporary working in US. My husband and I tried to get a dream home in XXXX and our mortgage was denied due to over 30 credit hits in my credit report between XX/XX/XXXX to XX/XX/2018 by Leasing Desk. 

I was in a process of obtaining my Social Security number so I provided my XXXX XXXX number in the meantime. I undertood that when I rented my home in Arizona that one credit check would be done, however, this was not the case as several unauthorized checks were done in a short period of time lowering my XXXX credit score significantly. 

I have contacted Leasing Desk multiple times and also submitted a complaint through their website but they closed the case stating that I should contact the applicable credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Date : XX/XX/2018 Amount : XXXX US dollars On XX/XX/2018, I took my money, XXXX US dollars, to this Chase bank locate at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. I put the money into the tube at the drive thur only wriiten down the amount on the envelope which hold all the XXXX US dollars. At a moment later I got back the tube and the receipt shown only XXXX US dollars has been deposited. I questioned the teller and he hand me a sticky note with how many of each dollar notes I gave them. As far as I know I got XXXX XXXX dollars notes, XXXX XXXX dollars notes, XXXX XXXX dollars note and XXXX XXXX dollars notes in the envelop. But on the sticky note it only showns I have XXXX XXXX dollars notes deposited. I triple check with the person who hand me the money and he was sure there is XXXX XXXX dollars notes. The teller and the manager did 2 balancing and they told me it only has XXXX cents off. I suspect the teller may had hold on to the cash and I demand watching the XXXX. The manager told me he doesn't know how can I access the footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}.

They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.

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