vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
On or about XX/XX/XXXX of 2019, We- My wife XXXX XXXX XXXX and Myself XXXX XXXX XXXX went into the local branch of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. We told the clerk that we wanted to close our account. She helped us withdraw any monies that were in the account. We asked if there was anything else that we needed to do and she said no, that our account was closed. 

On or about XXXX of 2019, we received a notice from Arbor Professional Solutions that we owe {$780.00} to XXXX XXXX XXXX. The document states that the account is still open. This bill was a complete surprise to both of us. This was the first notice that we owed anything to the Credit Union. 

From what we have learned, XXXX XXXX XXXX kept honoring automatic withdrawal transactions without our knowledge or consent and well after we had closed the account. 

We have disputed this account through the credit bureaus with no change in result. We believe that any " hidden '' - transactions, that did not have our k knowledge or consent need to be discarded and removed from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for, and received, a Chase Sapphire Card ( the Card ) from J.P. Morgan Chase ( JPMC ), paid the {$95.00} annual fee, but never received any of the many benefits that JPMC promoted as essential features of the Card.

This is a breach of contract which, of course, does not fall within your jurisdiction, but it is a UDAAP. JPMC billed me {$95.00} in exchange for a raft of benefits and services that they did not provide and I did not receive. It is a fraud. 

In XX/XX/2019, I applied for the Card. In so doing, I agreed to pay the {$95.00} annual fee associated with the Card, but solely because of the manifold benefits that accompanied the Card and widely advertised by JPMC. This quid pro quo of a bounty of benefits was the sine qua non of my willingness to pay the {$95.00} annual fee. Absent these highly touted, and expensive benefits, I would not have been induced to apply for the Card.

In order to enjoy these many, many benefits, one needed to establish online access to the JPMC Card platform. Without this access, there was no way to avail and redeem the manifold benefits. As you can see from the several pieces of correspondence, which reflect my utter frustration, and despair, with JPMC, despite arduous, lengthy and repeated efforts on my part, JPMC failed to honor its part of the bargain to provide me the benefits of the Card. We all have any number of war stories as consumers confronting the inefficiencies of Corporate America, but in my own personal annals of interactions with corporate behemoths, this level of ineptitude and shoddy treatment ranks very high ) or low? ). No less than a dozen JPMC employees were unable, perhaps incapable, of solving a simple issue for a basic credit card customer. To be sure, I am not blaming any individual employee - - these employees may lack adequate training, are probably distracted by multi-tasking, and no doubt were stymied by inscrutable internal policies. But, the fact remains that this episode would be comical, if it were not both alarming and tragic. And, it is a UDAAP, in my view. JPMC effectively stole my {$95.00} - - I received none of the benefits and advantages that came in exchange for the fee. 

After approaching the half-year anniversary of this tawdry saga, without having received a single promised benefit, I concluded to terminate my contractual relationship with JPMC and assert my right to recoup the {$95.00} annual fee that JPMC had not earned. 

As you can see from the JPMC correspondence, they sent form letters blaming my telecom company which was demonstrably false. They had uninformed personnel call me, leave messages and then fail to timely return my calls. They offered solutions that did not work. Perhaps not a UDAAP in itself, but very poor customer service. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc.
State: MI

Complaint narrative:
I was talked into financing a water filtration system under false information. The system was financed through Aqua Finance. Once I found out that they gave me false information, I ceased payments. Aqua Finance as well as the company that sold me the system are refusing to refund and return the system as it is past the 3 day return period. If a company is being fraudulent, I should not have to pay for the system. The water system was purchased through XXXX. They have complaints in other states too. Many other people have been scammed and are still being forced to pay for an unnecessary water filtration system. Aqua Finance has filed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have an auto loan with Honda Financial Services. My XXXX and XXXX payments were reported as late. I called the creditor to inform them that I had made a payment on XX/XX/2019 and XX/XX/2019, but they insisted that my payment was made late. In my statement from Honda it even shows that the payment was received on those dates. I have until the XXXX of each month to make my payment before it is considered late, and since I made the payments before the XXXX they shouldn't be considered as late at all. I reached out to the creditor a few time to request an updated report but they said I would have to contact the credit bureau on my own. Even after contacting the bureaus it did not help. I don't know why they are reviewing it as being late when I did make it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

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 non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
This is not my debt. I never received anything in regards to this. The amount is XXXX that is listed on my credit report. I have tried contacting this company and they have not provided anything showing that this belo gs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  has not been updated on the credit report in over 90 days. The correct balance is XXXX and account closed. The loan id number is XXXX and Experian is still reporting this with a balance of {$570.00} and last updated XX/XX/19.

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 non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had about XXXX reward points in my Bank of America Merrill+ credit card. The points are worth about {$1000.00} in redemption value. 

On XX/XX/2020, Bank of America suddenly closed my credit card without giving me a chance to redeem the reward points. This is a classic bait & switch tactic. Bank of America earned credit card processing fees because of my card usage. By denying my ability to redeem these rewards points, Bank of America kept all their credit card processing fees thanks to my business, but refusing to give me the credit card rewards as promised.

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 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I got a title loan from InstaLoan on my XXXX XXXX. With the loan we purchase insurance that if the vehicle was in a car accident and it was considered a total loss the insurance would pay for the title loan. So on XX/XX/2020 my insurance company considered it a total loss and sent this information over to instant loan and pictures of the vehicle. At that point and still alone said they sent in the claim to their office TMX. It's now been almost two weeks and I have heard nothing and regards to me getting my title back so I can buy another vehicle. And they I have to return my title so I can sign the title to my insurance company so I can get paid. I have called the manager InstaLoan here in town I have tried calling corporate I have tried calling TMX corporate I have tried calling the insurance company that they deal with and I've heard nothing from anyone other than it's being processed. I was told the process takes two days to a week it's almost been two weeks. I don't know who else to call or what else to do but I need my title back. I do XXXX  three times a week and see a doctor for my car accident three times a week and I'm having to pay someone to take me tomorrow my appointments because I'm unable to get a vehicle without this title

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.XXXX  sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the XXXX  credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from Citizens Bank loan offer up to 50,000.00.On XX/XX/XXXX, I applied online for the Citizens Bank offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the Citizens bank quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXX.She asked for my SSN number to look up information.XXXX  stated to me that my credit score is XXXX and to be considered for a loan, it should be at least 700 or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX  stated it generally means bankruptcy.After that conversation, I logged onto XXXX  at XXXX.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXX.After looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of XXXX not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted NewRez through their online portal requesting that they close my escrow/impound account due to their failure in correctly and timely paying one of my insurance accounts for my property. On XX/XX/XXXX NewRez honored this request and closed the escrow/impound account, which would make me solely responsible for paying all property taxes and insurance. This issue was resolved. 

However, on XX/XX/XXXX NewRez disbursed an insurance payment of {$100.00}, without my authorization while also leaving me with a negative balance on an escrow/impound account that was previously closed and honored by NewRez. This is even more frustrating seeing as though I had already paid for this insurance premium with my insurance provider. 

On XX/XX/XXXX I contacted the NewRez call center number at ( XXXX ) XXXX to attempt to resolve the issue. The agent that I spoke with advised me that I would need to speak with the Insurance Department about this issue at ( XXXX ) XXXX during business hours Monday through Friday XXXX - XXXX EST. Though I am not sure if speaking with the Insurance Department would be the correct approach. This is an issue stemming from an escrow/impound account that does not seem to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Every 4 months my account is eligible for 1 month of no-payment, every time I apply they gave me extra balance, besides, they lie to me on the phone : 10 days ago I called and applied for an extension, a person on the phone pronounced that extension has been granted and there is nothing due on XX/XX/2020 but balance was not moved anywhere, I believe they steal money from me and make sure my account has additional charges it is totally ridiculous! I just called them today on XX/XX/2020 and a person requested {$50.00} for an extension stating that it is a company policy I never paid {$50.00} before????? They are truly stealing money from people and I feel really bad for them and for their CEO XXXX XXXX. I'm asking you to please investigate their company because I go with what they said, they stated to me on a recorded line extension has been granted so I wan na see that, the fact that their associates barely speak English and don't know their job totally on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX I disputed the account and was notified the account would remain. No other info was provided. I called and was able to get information about the account. It is for XXXX account in California. I have proof of residency and employment history that shows I have never lived in California and the account is not mine. On XX/XX/XXXX I disputed the results with said information and again was said to remain. No proof has been given that the account is mine. 

On XX/XX/XXXX I filed a complaint through this system complaint id XXXX Because I got the government involved, Experian removed the account from my credit report as they have no proof it is my account. I imagine the account either has a name similar to mine or close to my SSN - but it is not me. 

The end of XX/XX/XXXX the account has returned back onto my credit file. I disputed and received the results would remain on XX/XX/XXXX despite providing the information from previous disputes. 

Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 non-monetary relief
Consumer complaint received 2020-02-01 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: MI

Complaint narrative:
My bankruptcy is 10 years old.I disputed to have removed from transunion.They say they removed it but it still shows on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Within the last 3 months I have filed several disputes with this company clearly stating that I would like a fair and real investigation to be done. This company refuses to comply with HIPAA repeatedly reporting a medical account that can not be verified, and also an account that is currently in violation of HIPAA due to releasing medical info without proper authorization. I also disputed another account with them several times ( XXXX XXXX ) that is not my account. This account is also unverified and was opened by someone when I was under 18. Even though I asked Equifax to verify the validity of this account, they still have not removed this account from my consumer file. I called XXXX myself, spoke to a supervisor and confirmed that they have no XXXX account in my name. Equifax refused to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: MI

Complaint narrative:
My bankruptcy is 10 years old.I disputed to have removed from XXXX.They say they removed it but it still shows on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a complaint with transunion 3 times already XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in XXXX and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.

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