vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC
State: FL

Complaint narrative:
I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their " pay-ahead '' program. I paid {$1400.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement. 

Here is the text of the portion of the terms of my credit card account : " Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: GREAT LAKES
State: CA

Complaint narrative:
I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I paid off my car XX/XX/2015 and it shows up on my credit report as i have made no payments for the eight months i made payments or even paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is where I have my checking account for my small business. 
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: NM

Complaint narrative:
Submission of my Income Based Repayment application was delayed with no current resolution. Temporary forbearance " solution '' caused my interest to be capitalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRSTBANK PUERTO RICO
State: NY

Complaint narrative:
As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: CA

Complaint narrative:
The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Estate Information Services, LLC
State: TX

Complaint narrative:
Estate Information Services XXXX is a debt collector but makes it appear that they are assisting people with probate. They are not a law firm. They are in Ohio, my client who received a notice from them is in Texas. Nothing indicates they are attempting to collect a debt until you call them. This is outrageous and fraud. The letters they send say they can help you with probate, but the purpose is subterfuge to get information on the recipient 's decedent and on the executor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows cascade receivables management, but when I contacted this number the recording states, office of XXXX or XXXX. I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from 2009. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from 2009. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after 6 years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is wrong information in Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: CA

Complaint narrative:
I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Issue 1 : I applied for Mortgage loan with Quicken Loan and they did my credit check and issued pre-approval and then we agreed for XXXX XXXX ARM loan@3.375 % for loan amount XXXX with estimated cash to close XXXX. I wrote an additional email to my mortgage consultant to get confirmation that estimated cash to close it correct and and if changes will be XXXX XXXX dollars and not significant. I got the rates locked signed documents for the above quote and have copy of the same with rate locked. On XXXX XXXX they uploaded another quote showing estimated closing cost almost XXXX which was a big shock. I was frustrated called mortgage consultant he said he will get it fixed but days went by nothing got fixed and I was concerned more, I kept calling and escalated till Director but no one helped they say that it was a mathmatical mistake and we cant do that.my decision is based on the quote which was locked on XXXX XXXX and I planned for only XXXX XXXX as closing and dont have additional to pay. I have talked to them but they are not helping at all and not honoring the quote we locked. 

Issue 2 : They mailed all my document containing my credit report, SSN, Date of birth, all my bank acocunts and credit card details to the New Property Address which has closing date XXXX XXXX instead of sending to my current address. They envelope went through many hands and when I finally I got it it was tampered and already open so all my confidential and credit information already got leaked. This is totally ridiculout and was also reported to Quicken Loan. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited/ {$2800.00} cash at Chase XXXX branch ( XXXX XXXX XXXX, XXXX , NY XXXX ) ATM machine on XXXX/XXXX/2015 at around XXXX - XXXX. After I put in all my money bills in, the monitor showed that I deposited too many bills at one time, so the machine first spitted out my money back. When I about to go grab my cash back, the machine sucked all my money back in then the whole machine froze and not responding nor printed out any receipt. First, I waited in front of the ATM machine to see if it will return my money back. After waiting for about 10 min, I went into the bank and call for help. Chase bank sent a XXXX speaking lady to help me. Then this lady told me that this happen before that the machine could spit out the money in about 10 min, so the lady waited with me in front of the machine for about another 15 min. After the long wait, she sent me to the office and there was another customer service man helped me to place the phone call to Chase Claim department because, according to them, they are different department and they could n't do anything for me besides place a phone call to Chase phone line. I spoke with a lady on the phone line and she told me that she will go ahead to put a CREDIT DUE TO ATM DEPOSIT DISPUTE of {$2800.00} to my checking account and they will take care of everything. On XXXX/XXXX/2015, a credit was placed in my checking account. I trusted Chase bank because I 've been a customer with Chase for a long time. However, on XXXX/XXXX/2015, I checked my account statement online and found Chase posted a REVERSE CREDIT FOR ATM DEPOSIT DISPUTE of {$2800.00} to my checking account on XXXX/XXXX/2015, so I called Chase at XXXX right away and spoke with claim specialist XXXX at XXXX on XXXX/XXXX/2015, and found out the Chase could not locate extra cash on that ATM machine. I requested Chase to re-investigate my claim on XXXX/XXXX/2015. On XXXX/XXXX/2015 at XXXX, I went back to Chase bank XXXX XXXX XXXX XXXX, Flushing XXXX NY XXXX ) and request to get additional help in person. I spoke with Officer Relationship Banker XXXX XXXX regarding my case again, then the answer I got was the same which they will re-investigate this case. On XXXX/XXXX/2015 at XXXX, I called Chase at XXXX and spoke with their claim specialist Preftom regarding update of my claim. The answer for Chase 's 2nd investigation was the same which they could not locate the money and I will never be able to get my {$2800.00} back. I questioned Chase 1 ). what if the ATM machine did spit out my money back later then someone took it? 2 ). Did the investigation team check the surveillance camera ( there are at least 4 cameras in each corner ) to see if any one took my money after I left because I was instructed by their employee that they will take care of everything? 3 ) If I could speak to the investigation team directly? After all, their answer was NO and there is nothing they can do at this point.

Company response to consumer: Closed with monetary relief