vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
I received a phone call at my place of business today ( XX/XX/18 ). The person on the phone identified himself as XXXX XXXX and in a very rude and condescending tone informed me that XXXX XXXX XXXX wanted to settle a debt with me. When I requested to have everything in writing, he became belligerent and stated that he will just contact my payroll dept. I told him that he is not to contact me at my job and ended the call. He called right back and I answered the phone. He did not realize it was me that answered and proceeded to disclose his reason for his call which he is not supposed to do. He proceeded to be very abusive in his tone and language and stated Ha!, you think I can find the number to you payroll dept.? Your worker is in the wrong. The abusive phone calls need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX, I received an escrow analysis increasing my payment from {$780.00} to {$1200.00} because the company paid not only my tax bill, but a 2nd tax bill for a house in the area. They misappropriated {$2400.00}. When I called them, they told me I would have to prove that they paid taxes inaccurately. When I called the tax assessor for my parish, it turns out not only did they know they made an error, they had already requested a refund that was in process. They received this refund on XX/XX/XXXX. They refused to fix their error until they had the money back ( money I did not misappropriate ). They then told me they would allow me to pay my {$780.00} payment on XX/XX/XXXX and they promise not to mess up and mess up my credit or my amortorization on my loan. I can not trust this. They told my closing attorney 's office ( who called them ) 2-3 weeks and when I called today, they are now stating another 30 days to correct their own error. In addition, they can not read insurance documents ( or they are harassing me ) and sent me a letter that there is not enough insurance on the property. I have responded by fax today placing astrisks where the correct information is on the insurance doc proving the insurance is sufficient. This is the same insurance and insurance company that was approved for my FHA closing. My mortgage rep helped me get it so it would be accurate for my loan. I need my payment fixed immediately. I did not make an error. I did not misappropriate money. The supervisors do not care and expect that I trust they will not misapply the payment for XX/XX/XXXX. I can not trust this company. They can not read and they expect me to pay for my errors.

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, a savings account was opened with {$25000.00} deposit into a Bank with the promise that I would receive an interest rate of 1.5 % and a bonus for depositing that amount of {$200.00}. At the time of opening I did not have the code, but the person opening the account said that it was not necessary, for she could verify the code number. In subsequent calls, the bank was provided with the code. Shortly after that, my wife also opened an account, and also made a deposit of {$25000.00}, but with the understanding by the bank that this deposit would not interfere with my earlier deposit. In a few days my wife 's account was credited with the {$200.00}. My account to date has still not received the bonus, despite numerous calls, talks with supervisors, and always with the statement by them that they are researching the account. One supervisor said that the research would be done by XX/XX/XXXX. On a call on XX/XX/XXXX, the representative said that he sees the notes, the fact that the code was provided, and that the person who made that statement was unavailable. On multiple occasions, we also told the bank that if there is a problem with both names appearing on either account, they can just remove the joint name. I was told this was not the problems. The person on that date promised me a call back on Monday, No call was ever received. 
There are recording by the Bank of all the calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CO

Complaint narrative:
We wrote and mailed our mortgage payment on XX/XX/XXXX. The company did not process the check until XX/XX/XXXX and charged us a late fee. I tried to get this reversed but they refused. I have been making various mortgage payments since XX/XX/XXXX with no late pays on my record. Now I have one and am being charged {$78.00} if late fees and I have a late on my record.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I pulled my credit report, and discovered that late payments were reported for XXXX, XXXX, and XX/XX/XXXX for my account. 

During that time, I was on an around the worldwide XXXX. I wouldnt dare purposely be irresponsible with this account. For some reason, I setup automatic payments, but did not have sufficient funds in the account when it processed. 

The men and women in the armed forces deserve the absolute best financial products on the market. These products should be simple, transparent and offer excellent customer service and an understanding about our difficulties that ensue during XXXX. I sent Chase a goodwill letter explaining my situational and they responded in a very unreasonable manner. XXXX members face unforeseen circumstances daily. We can not plan for everything that happens. 

I believe Chase failed to research my situation and complaint. Everything is not black and white. Although they have a program that allows reduced interest rates during XXXX, they fail to advertise that to servicemembers. When they found out I was XXXX, they could have made consideration for the late payments retroactively. 

My circumstances should be considered and their XXXX policy and advertisement needs to be revamped. They should be here to support not hurt the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an existing/active Capital One Credit Card ; however, I noticed I have a debt collection on a previous Capital One credit card account. I would like such account to be closed and clear up my name. I made several attempts to dispute it in the past. Unfortunately, it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I've ask JP morgan bank to not pay anyone from my saving account nor transfer monies from saving to checking and if there's no money don't pay, Chase also will make multiple payments to the same people three time in the same day.B was I at a store making a purchase than they cut off my card while I'm in the store making a purchase. 
a copy of unjust fees charge to my saving account for fees pertaining to my checking. ( unjust fees ) If this is the case than you need to go backward from todays date and remove all overdraft fees you charged me cause you can just take from the saving and apply to checking such as you did in this case.You have proven to me that you used my saving account to to pay for something pertaining to my checking account ( I don't have overdraft protection on either account ). I did not request all theses copies. Look how many times you have charged me. I was not aware that I could overdraft my saving account for over {$600.00} when I can't overdraft my checking account for XXXX XXXX. Since when does any bank allow an overdraft on any account for over {$600.00} dollars. The last Bank I was with they would call me or email me that there is a problem.You will pay monies out to the same firm for the same reason 3 time in one day without alerting me or questioning me about it .You cut off my card while I was in a store with monies in the account and say to me, It sounded an alert. 

And here 's a copy of the many times they have charge me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello, I signed up for automatic payment in XX/XX/XXXX for my Chase credit card. When I check my bank account onXX/XX/XXXX, I did not see the chase payment was deducted for theXX/XX/XXXX, which was due on XX/XX/. I immediately called them to make the payment over the phone onXX/XX/XXXX. A few weeks later, when received my chase statement I saw that they charged me {$25.00} late fee and interest. I called them on XX/XX/XXXXto ask for the waiver of the late fee. The Rep refused. I asked to be transferred to a supervisor. The supervisor refused also. They said my automatic payment form must have gotten lost in the mail they will send me a new but they will not refund the fee since it was my fault that I did not make the payment on XX/XX/. I should have followed them to confirm that my automatic payment was set up. When I pointed out that payment was made onXX/XX/XXXX, the supervisor said, " late is late by 1 minute or 2 days in your case '' She refused to help. When I asked to escalate my case to the next level she gave an address to write a letter and mail it. It is a matter of principle for me, I do not want to pay the {$25.00} late and take a hit on my credit for their lack of process. Please help me reverse the late fee, interest charge and hit on my credit for late payment. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
On XX/XX/2018, I called to Financial Credit Network collection company to address a collection account from XXXX XXXX   XXXX XXXX. 

So in the first contact, a representative said they will be able to remove the collection account from my credit report once the I pay the balance in full. 

So in a second call in the same day, I spoke with a different person and before making the payment she advised me they won't remove the collection account from my credit report because they tried to contact me in the pass in different times, I asked the reason why the company changed mind if in my first call the representative told me they will be able to remove it. I asked for more information about the account because that is not a fair tactic to collect a debt, I asked the date when the company sent an initial written notification about this debt because I never had the chance to dispute the account, and the representative recognized they sent an initial notice but, the USPS returned in different times. 

After all, I asked for a debt settlement, and they won't make a settlement they just want to collect the full balance used an abusive language just because I asked for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I suffered some financial, personal and physical hardships due to Hurricane Irma in Florida. 
As a result of my circumstances, I contacted my creditors of which one was BMW financial services. I had heard that they had a disaster relief program that afforded their customers the opportunity to enroll in their loan deferment based on such disaster circumstances and needs. 
The terms that were discussed and extended to me was that I would be able to receive up to 3 months skip payments without any penalties. The reason being was that these payments would be placed at the end of the loan and in addition they will not be reported as delinquent to any of the credit Bureaus. 
Needless to say, the exact thing they told me would not happened, actually did. From XXXX to XX/XX/XXXXmy credit score was between XXXX and XXXX with no skipped, late or missed payments. I have had a vehicle financed with BMW Financial Services from XXXX, up to present and have never been 30 days late or missed a payment throughout the entire period. 
At the end of XXXX, my score went from XXXX to XXXX where it is currently based on the report that was sent to the credit bureau by BMW. In essence, the three months they agreed to not report any late payments, it is now showing 30, 60 and 90 days delinquency on my report via BMW Financial Services. 
I have spoken to BMW and they have disregarded everything that was agreed with me and instead seemed more concerned with placing blame and stating what their police is. The fact is that I had other options and would have taken those one of those option rather than have my credit score drop to the such drastic level based on untruths and lies. 
In closing, let me say that this situation has already affected my ability to do financial stuff in my life. I have turned XXXX years old recently and had been making plans to buy a small cheaper condo. However, the sudden reality for me now is that my current Credit status has already began to affect my ability to buy something reasonable in XXXX Florida even though opportunities exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? 

There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: STONEGATE MORTGAGE CORPORATION
State: FL

Complaint narrative:
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on XXXX XXXX, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and XXXX  is showing XX/XX/XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account at Wells Fargo branch ( at the XXXX XXXX XXXX XXXX XXXX, CA XXXX ) with the offer code " XXXX '' which is a {$300.00} bonus offer for a opening a checking account. The Banker ( XXXX XXXX XXXX ) and the branch manager reviewed my Wells Fargo history relation and informed me that I am eligible to open the account with this promotion. 
Under the offer the account must receive a total direct deposit of {$1500.00} for 3 consecutive months. I met this requirement. 

The Banker and the branch manager informed me that I meet the Additionall requirements as follows : you can not be 1. A current owner on a Wells Fargo consumer checking account ( which I as not ). 
2. A Wells Fargo team member ( which I as not ). 

I met all of the requirements, and the {$300.00} bonus was needed to be deposited into my account on XX/XX/XXXX. 

Another requirement is that that you can only receive one consumer checking bonus in a 12 months period ( limit one bonus per customer ). 
I did received a promotional bonus on XX/XX/XXXX. The terms say " A recipient of a consumer checking bonus in the past 12 months. '' The bonus was supposed to be credited into my account on XX/XX/XXXX, which is more then 12 months from the previous one that I received on XX/XX/XXXX. 

The terms and conditions are very clear and they are not ambiguous. Based on the clear terms and conditions the Bank is legally required to pay me the {$300.00} bonus. 

Furthermore, the Banker and the Branch Manager, at the time of account opening, reviewed my profile and bank history with Wells Fargo, and they saw in the system that I received a bonus in the past, on XX/XX/XXXX. They read the terms and the condition and told me that I am eligibility for this offer. Therefore, they opened my account and applied the promo code " XXXX '' into the system. If this was not the case, they needed to informed me than and then that I am not eligible to this offer. Furthermore, they will not opened the account and applying the promo code into the system.

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