vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
paid XXXX for a procedure that was done incorrectly and caused injury and damage. the payments was split up between my chase debit card and two medical. credit cards went into chase in person to dispute. i had all of my documentation. i also submitted documents showing that one credit card had already credited my account and that I was disputing the false advertising and misrepresentation of the services. chase put in the dispute and took my documents on Tuesday XX/XX/2021.i was told that i had 5 business days to submit the second opinion medical letter stating that the procedure was done incorrectly .the 5 business day would have meant i had to have the documents in byXX/XX/2021. i was given a fax number to send the documents and a claim number. however 2 days letter i received a letter from chase stating that the dispute was denied because the charge was authorized. the dispute was for misrepresentation and false advertising of services, not an authorization dispute. also it was under the 5 business days and i had already paid XXXX to see an additional doctor to get the second opinion letter. when i called they stated the claim was denied because it was past 60 days. when i told them that i received a letter stating something different i was hung up on. when i called back they said claim closed and they would not accept any additional documents. i asked if i was just supposed to take a loss of XXXX. the representative stated yes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
This company has a serious issue with bullying, retaliation and straight up lying to governing bodies. 

I have been reporting them to multiple agencies, multiple times for their behavior and they continue to lie and can not provide any documented evidence that they're claiming is the cause of their actions. 

After this private company decided as a business to use taxpayer funded dollars by calling the SDPD on me - while I had told them for a month I was out of the country- they have done nothing to rectify the situation. 

They have cost me $ XXXX in refi savings by " accidentally '' marking me late with payments during forbearance. 

I then worked with HUD to force them to offer me the CARES Act forbearance plan. It was good for 1 month, with agreed and signed contract that all the forbearance/ecrow debt would be added to the end of the term/lump sum lien that could be paid on refi. 

Today, they sent a threatening letter about insurance that I had already told them I had paid in full for the year while in the forbearance exit process. And today I went to check my statement and they increased my monthly payment by almost {$700.00} to " spread out '' the forbearance escrow payments. 

They completely went against the CARES Act and the contract WE JUST SIGNED AND SUBMITTED. 

This company needs to XXXX burn to the ground. Why are they continually harassing us, costing us $ XXXX, destroying my credit for " errors '' and completely changing the payments that we just signed a contract about! 

At this point, CFPB, and other governing bodies- this is your responsibility. You allow these people to operate like this. 

What in the world are homeowners expected to do in this situation? How much of this are we expected to take?

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 2021-10-14 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: TX

Complaint narrative:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

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 2021-10-14 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: TX

Complaint narrative:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$180.00} to XXXX  using the " XXXX XXXX '' system through Associated Bank. My statement shows is was taken and paid from my account on XX/XX/XXXX. On XX/XX/XXXX I called XXXX because my bill was due on XX/XX/XXXX and my online statement showed no paymen received. I Didn't want to be late so I made an additional payment of XXXX on that date, online. I spoke with Associated to see what can be done with this issue. I was told It was paid via paper check and it could take up to 10 days to post. The bank representative stated that if It has not posted I can make the second payment to XXXX  and if the check is received by XXXX  later, It would just be a credit on my XXXX  account, or I could wait 10 days and put a stop payment on the transaction. After a few days, I went to the Associated Bank office on XXXX XXXX and spoke with XXXX XXXX on this and another issue I was having with my debit card. When I spoke with him about the XXXX issue, He stated It was paid, not by check, but through electronic means. He said they would investigate. Today, XX/XX/XXXX, I received this email : XX/XX/XXXX XXXX, the service provider for XXXX XXXX with Associated Bank, processes the payments that you make through XXXX XXXX. At your request, XXXX processed the payment to XXXX  on XX/XX/XXXX for {$180.00}. However, after sending money to XXXX, XXXX could not withdraw the funds from your payment account. As a result, you owe XXXX for the money XXXX sent to XXXX  on your behalf. 


Your Bill Pay Service Has Been Suspended XXXX suspended your XXXX XXXX  service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions. 


Reinstate Your XXXX XXXX Service and Avoid Collections Call XXXX at XXXX to pay the balance due, or notify XXXX within 30 days that you are disputing the validity of the payment to XXXX. XXXX can reinstate your service and answer your questions. 


Service Fees Any service fees associated with insufficient funds in your account for the payment to XXXX  will be withdrawn in accordance with your XXXX XXXX terms of service. Other standard processing fees may  apply. 


This email is an attempt to collect on a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express is not allowing me to transfer some of my points points to an airline partner. I tried calling and finding out why but they are not providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I have reached out to the credit bureaus as well as this company to address this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a kabbage  checking account ( AMEX ) and have only made deposits into it. 
It pays 1.1 % APY interest. 
On XX/XX/XXXX was paid 77.23 interest On XX/XX/XXXX deposited XXXX On XX/XX/XXXX was paid 77.11 interest. 

Normally under these conditions the interest increases. 
Looks like! ) Fraud in Advertising or 2 ) Messy software or 3 ) Someone is cashing in ... .. ( have you seen the movie office space?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc.
State: TX

Complaint narrative:
I applied for and received a Payoff loan in XX/XX/XXXX in the amount of {$34000.00} ( after financing fee ). I made regular monthly payments of {$1100.00} until XX/XX/XXXX when the global pandemic happened, at which time I suffered a financial hardship and was unable to make payments. My principal balance at this time was {$19000.00}. I contacted Payoff and was granted a skip payment so I would not be responsible for paying the loan nor getting further under water with accruing interest. After a few months of skip payments, I pursued a loan modification that reduced my payment to {$25.00} for three months ( XXXX - XX/XX/XXXX ). When I made that payment in XX/XX/XXXX, my new principal balance was {$19000.00}, {$25.00} less than what it was nine months earlier. I still was not in a position to resume payments of more than {$1100.00} per month so I then went through a several month process of modifying the loan to reduce the payment to {$820.00} by extending the maturity date. This occurred in XX/XX/XXXX. I then resumed monthly payments of {$820.00} in XXXX and eventually noticed that my XXXX, XXXX, and XXXX payments totaling {$2400.00} weren't lowering my principal so I reached out to Payoff and they told me that my payments were going solely to " accrued interest. '' This is the core issue. Never was it disclosed to me that interest would be accruing when I began the skip payments and loan modifications. Never was it disclosed to me how much interest was accruing and that my resumed payments would go solely to said interest. I still have seen no accounting nor statements detailing such accrued interest and I find it odd that the amount of accrued interest is conveniently the total of 3 of my monthly payments. This feels like robbery to me. My Truth in Lending document states that the cost of my credit for this loan was to be {$6100.00} and I've already paid them more than {$6700.00} in interest to date. I believe they incorrectly and illegally charged me interest when they said I would not be subject to interest, they never disclosed any information to me via statements or through my customer portal, and despite my attempts to resolve the issue directly, they will not take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
A person, who is in custody now, was using my account and cards to make purchases all over the country. When I finally gained access to my account in XXXX, the bank sent me my statements and to my horror, nearly {$120000.00} was spent by this individual. He was intercepting my mail as well and had replacement cards which is why my card wouldnt work. He had me locked out of my own account for months and attempts to have the unauthorized charges removed and an accurate statement provided have been denied repeatedly. This is flat out fraud ( he was arrested with a fake social security card of mine and with an old drivers license of mine, as well as all my bank cards ) and for anyone to deny a dispute is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today XX/XX/14, I used XXXX to send a payment of {$170.00} for 2 tickets to a registered XXXX user with an email address of XXXX and a Chase transaction number XXXX. They provided me with that email. 

That person never replied back with any confirmation. I was scammed. I called Chase and spoke to their claims department who seems to say that they couldn't do anything other than submit a complaint to XXXX. They offered to email me with the request but to no avail I have received nothing. I am looking to track down what banking institution my money was sent to and who this person is. 

What is frustrating is that the bank absolves itself from this issue ( XXXX  ) but yet promotes it as the way to send money. There are no security features to prevent fraud or scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Professional Collection XXXX XXXX XXXX, XXXX  XXXX, IL XXXX To Disputes Department : This letter is in response to your recent claim regarding a collection, which you claim that I owe you {$84.00}. By lying and stating you mailed out letters to the above address on 2 different occasions is not true, as I didnt move to my new residence until XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I opened a XXXX account sometime in XX/XX/XXXX. About a year after ( maybe less ), I could no longer use this account for purchases. I however, conscientiously made my monthly payments ever since and keeping current until the present time. My monthly payments averaged around {$50.00} a month. 

On XX/XX/XXXX I received a letter from Westlake Portfolio Management saying that they are servicing my XXXX  account which was issued by XXXX XXXX XXXX  and requiring me to make my first payment of {$120.00} due on XX/XX/XXXX. 

This was the first communication I received from them or from XXXX or from XXXX XXXX XXXX  regarding this account or any changes to this account. 

Starting XX/XX/XXXX, I received several potential scam phone calls from the XXXX XXXX area which I suspect would be from them as I have very few contacts from that area. Whenever I tried to pickup the phone, there was nothing at the other end. This went on until XX/XX/XXXX. 

On XX/XX/XXXX, I emailed them : On XX/XX/XXXX, I received a letter from you indicating that you are servicing my XXXX  account. However, per FDCPA rules, you failed to provide the following information in writing : The amount of the debt That I can dispute the debt The name and address of the original creditor. You are demanding a first payment from me with a due date of XX/XX/XXXX without any details or disclosure of the debt. Please reply to this message immediately. Thank you. 

XX/XX/XXXX I emailed Westlake Portfolio Management : I have tried to reach you by email and written letter but have not gotten a response yet. I need to know details about my account : - Total debt amount - Terms of payment - Monthly payments XX/XX/XXXX I received this email : Hello, We can not discuss any details of your account via email. Please contact our Customer Service Department at ( XXXX ) XXXX for assistance with this request. Business hours are Monday Friday : XXXX XXXX and Saturday : XXXX XXXX XXXX XXXX. 

Thank you, Westlake XXXX XXXX XX/XX/XXXX I replied : Please send me a written communication. Thank you. 

To date, XX/XX/XXXX, I have not received any further communication from them. 

On XX/XX/XXXX for fear of them ruining my credit and despite not knowing any details or how much I will be forced to pay them, I created an online payment account and made a one-time payment of {$80.00}. It is here that I finally saw details of my account ; Balance : {$1600.00}, maturity date XX/XX/XXXX, monthly payment {$120.00} at 0.00 % annual percentage rate. This looks like I will be paying {$7400.00} after 5 years! 

Failure to disclosure the terms and details of my account and simply demanding payment was a blatant disregard of my right as a consumer, and probably a usury law in this country.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, Transunion XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, XXXX XXXX Equifax and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to Exprian, XXXX XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.

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