vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent/XXXX XXXX/LVNV Funding have sent notices regarding an alleged debt. I have asked them to validate the debt, attempted to resolve the issue. Included are certified receipts dated XX/XX/XXXX and XX/XX/XXXX both signed by the company. Another certified letter was mailed on XX/XX/XXXX. The company has violated 15 USC 1692 sec.802, 803 and 807. Appearing to be an attorney by using the language " my client ''. Claiming to be the " creditor '' which does not coincide with its definition. Also the use of multiple names and addresses i.e LVNV, Resurgent and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All charges from XXXX, XXXX XXXX, and XXXX were for products sent that were no way near their descriptions, were defective, faulty and caused injury. I went through these companies fake " dispute '' process which just protects XXXX. I spent a lot of time making videos, taking pics and writing up a lot, not to mention getting third party written opinions of the condition. They should have all been refunded but Chase just really dropped the ball. I kept calling and writing Chase over 40 times in past year and resubmitting the evidence and never got one uncanned reply. They did nothing. This is not protection at all. The charges add up to 9k now. I kept the acct open so they could fix it and want this stuff returned. XXXX did not want to pay for return shipping. They are treadmills that are super broken and the dimensions are 4 inches shorter on the belt than said. That makes a huge difference and they caused injury. Also the computers didn't work, bearings, belt rungs, and much more. The shoes ordered fell apart from just opening. They were all made super shotty and not like the pics. The vendors all claimed to have 100 percent warranty and guarantee and it was 0 percent. Why is Chase defending XXXX when the evidence was so blatant? Is Chase funded by XXXX? Chase acted very negligently by not honoring their contract for purchase protection.Main menuOpen main menu FeedbackOpens new window MessagesYou have 4 message ( s ) : shows content below. More messages may appear after some time.4 Open an account : opens menu Chase Private Client logoAccounts SearchSearch : Need anything? Just ask. 
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Inbox ( 11 ) Sent messages, current selection Special offers Go back to the top of the menu.Previous message Sent messagesOpens information dialogue : Sent messages New message My messages Date DateSorted descending To To, not sorted Message Message, not sorted XX/XX/XXXX Chase Online Re : Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Update to an existing dispute Expiring soon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
This is regarding a double billing by GM Financial ( GM ) and/or one of their California dealers in an auto lease contract, where a Disposition Fee is paid in monthly installments, and then billed again to the consumer at lease-end. 
The math : The LEASE AGREEMENT ( Section 5 ) states The amount you will have paid by the end of the lease includes the amount of the Disposition Fee in question. Thus, its part of the monthly payment ( no breakdown available from GM ). Yet, Consumer was rebilled for it ( along with some yet explained taxes ) months after the lease ended. The lease ended in XXXX, XXXX and, according to GM, all payments due and owing had been made. 
Consumer has contacted GM ( in writing, in XXXX, XXXX, and XXXX, XXXX ) re-garding this issue, after receiving a notice at the end of XXXX ( XXXX ). Specific instructions to communicate in writing ( to avoid misunderstandings ) have been ignored. Instead, GM blows up consumers telephone line with repeated re-quests to call itnothing else, just call. GM, after numerous Consumers requests, does not dispute Consumers assertion that its a double billing, and otherwise re-fuses to further address the issue. 
Consumer received a response from GM ( via CFPB website ) which, in part, states : have Ms. XXXX contact GM Financial at ( XXXX ) XXXX to discuss this matter further. THIS IS A TOTAL NON-RESPONSE TO THE COMPLAINT. Thus, Consumer is refiling the Complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
A third party represented that a used laptop computer was new, but objective forensic battery tests and opened box with scratches on the item demonstrated that it was substantially used. A premium price of {$760.00} USD was paid to buyer via PayPal. Within hours of receipt, I contacted the fraudulent seller and and submitted evidence. On XX/XX/XXXX, PayPal required me to return the non-complying item to the fraudulent seller ( XXXX ), but insisted that it would not supply me with a credit. Proof of receipt of the item by the seller was given to PayPal along with all proof of noncompliance. Without notice to me and for no reason, PayPal has repeatedly switched this case to numerous associates and moved the waiting period for resolution back without my consent ( from XX/XX/XXXX to XXXX, XXXX, to XXXX, etc. ). The industry standard is resolution within 3 days of buyer 's receipt of returned item. ( see XXXX attached ... PayPal and XXXX were formerly subsidiaries of the same company ). It is prolonging the period in which I'm separated from my money and the laptop I bargained for. The fraudulent seller has both my funds and the laptop, and this has been the case for over a month. PayPal 's online complaint resolution format is rife with problems that make submittal of proof by the innocent consumer nearly impossible, and it sends consumers messages that their messages will be discontinued, which I was assured is not actually the case. The associates handling the case indicate that the fraudulent seller " has monopolized '' the dialogue, when in fact I had initiated the dispute resolution process and submitted ample third party evidence, including video, pictures, tests, web page grabs, and receipts to illustrate the obvious fraud. As I needed business equipment, I had to " cover '' by purchasing a new, more expensive item at a cost of over {$1200.00}. Further, having the {$770.00} charge unreimbursed carries the threat of higher credit card interest on unpaid amounts. In sum, PayPal is even now facilitating the fraud on consumers by allowing the unfair merchant to have both the equipment back and my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
opened an account on XXXX XXXX with XXXX XXXX the clothing store and made a purchase. I bought two items and the total amount was {$55.00}. 
I bank online and I made sure the payment was delivered on time and for the right amount. The records on my bank confirmed that the payment was delivered on time and for the full amount of {$55.00} on XX/XX/XXXX. I paid for what I purchase and I paid it on TIME. 
Later, I received a late payment statement saying that my payment was late. I called XXXX to asked about the mistake and they were not helpful at all. The only suggestion was to pay the late fee and investigate later. I paid the late fee on XX/XX/XXXX. They kept sending late statements. I sent a letter to XXXX with copies of the checks from the bank and I didn't get a response. Also, I sent a letter to XXXX XXXX with copies of the checks too. 
Now, XX/XX/XXXX I received a letter from McCarthy, Burgess & Wolff stating they are attempting to collect {$300.00} McCarthy , Burgess & Wolff called early XXXX and I also explained the above statements, they do not care. They want to collect the money. 
The worst part is that my credit score is going to come down and I paid my bills on time, I paid what I owe. I am responsible, honest and dependable person. 
And this infuriating, fraudulent business. 
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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Usaa not willing to work with me regarding my auto. Was already behind on payment then out of work due to catching covid 19. Filed complaint here and spoke to usaa who started they will only work with individuals who are up to date on payments. This is very similar to usaa taking stimulus payments of their customers. Usaa is not friendly to this whom they service and need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ONEMAIN FINANCE CORPORATION
State: AL

Complaint narrative:
My XXXX year old mother ( I am her daughter with a durable power of attorney that covers heal and finances ) took out a vehicle loan with One Main Financial last XXXX ( 2019 ) for {$4500.00}. She is now in poor health and can no longer drive. 
I am trying to sell the vehicle for her but the office of One Main Financial will not 1 ) give me a payoff amount, 2 ) release the title. 
The situation is that my mother already had a signature loan with this company at the time she borrowed the {$4500.00} for the car so the finance company just added the two loans together. I was in the office when my mother signed the paperwork on this loan and I DID ask more than once if the title would be released when {$4500.00} was paid and the loan officer, XXXX, said yes. 
So now I have been trying for a few weeks to get a payoff amt. Finally last week I was given a figure of {$3000.00}. 
I took a cashier 's check for {$3000.00} up to their office today but was told that the title had to be " sent for from the main HQ. '' By snail mail. And they would not give me ANYTHING in writing showing that the title would, in fact, be released. I withdrew the cashier 's check at this point because I do not trust that the title will be released. 
Please advise as to how I can find out : Current vehicle payoff amount and how to be assured that the vehicle title will be released when this amount is paid. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Illegal charge placed on card-called and letters sent. Bank continues to charge fees and varied amounts on the same bill. Wait times on phone " >50 min '' per recordings plus multiple transfers. Fees excessive- $ 35=20 % of one of the amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: ERC
State: AR

Complaint narrative:
I reached to XXXX at the beginning of XX/XX/XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( Enhanced Recovery ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through Enhanced Recovery Company or XXXX XXXX XXXX. Both XXXX and Enhanced Recovery has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither XXXX or Enhanced Recovery has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either. 

Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX  and an XXXX  report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX  XXXX, PA XXXX. I also sent a notice to XXXX  at XXXX  XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY! 

At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The company originally told me of a bill in XXXX. At this point I paid over the phone with my account information. I provided number by number my routing and checking account number. The agent over the phone processed the payment. 2 weeks later they call me saying it is incorrect. I gave them the information again. They charged me for it being late which I disagreed with since it was not my error. I said I would pay it. They called me for a third time saying there was a problem. I again supplied them with the information. The person on the other end was incorrectly writing the routing number down. They reported me late for 3 months for a problem that was not mine. I made attempts every single time to pay and they had a mistaken number. On XX/XX/2020 I found out that the credit reporting had been negatively effecting my credit for something I tried to pay numerously. The agent on the phone informed me that the 2 people before never fixed the routing number. These reported late payment and non payments or completely inaccurate and their fault for not correcting the information the 3 times I called. Ive never missed a payment my entire adult life and this mistake has costed my credit hundreds of points and it prohibiting me from closing on a house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i am trying to pay JP Morgan Chase back the money they are owed due to overdraft fees. My account was purged from the system so i have no clear cut about paying off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello sir and madam Good day despite of having corona virus pandemic My name is XXXX XXXX card holder of amex, and a XXXX XXXX  The last time i was claimed about refund for my flight, it was charged to my amex and i booked the flight in amex travel using my amex card. 
My flight was cancelled by airline due to corona virus issue and they emailed me that reimbursement from amex travel will be on process. 
I was waiting from amex to give credit for refund but its been more than a month, despite of calling the customer dept.of amex and the amex never return the money and kept charge me for the interest as well because of balance. 
Kindly help me to refund as soon as possible the airline charges to avoid interest I appreciate your help Im a XXXX XXXX  of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a online account with chase I was instantly approved and deposited a large amount of money to me into the account so I wouldn't be charged maintenance fees That was on XX/XX/2020. Before I even got my debit card in the mail they froze my account for suspected fraud. I called to unfreeze my account but they told me I needed to go to my local bank during my states shut down do to COVID-19. I had to call them back after I tried to contact the banks and they said they will close my account within seven days then send me my remaining balance that was on XX/XX/2020. I received a letter in the mail marked XX/XX/2020 on XX/XX/2020 telling me that my account has been froze and they will send me my final closure letter but never received that letter. I called them back on XX/XX/2020 The first representative I contacted I could not understand at all and she told me the same thing that I needed to go to my local chase bank that is over a hour away. I contacted the backs and after needing to call multiple ones I reached the only one that might be seeing people in person and they told me I needed to make a appointment online. I tried to make one but none showed up in my area and The only appointment I could make was over the phone. I called the number I have been told to call XXXX and the representative hung up on me after waiting on the phone for over 25 minutes that is the time it took every time I called chase. I called back at got a representative in the United States and he finally told me that they never closed my account fully and he would start the processes and have my check mailed to me. I still have not received the check and suspect that chase bank is trying to steal my money. I received a credit card statement for my amazon rewards card that is through them and it is not closed yet either even though I can not access the account but no odd charges are on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hi, I have opened an account with Coinbase and successfully went through their KYC process. I successfully linked my XXXX XXXX XXXX bank account to fund the Coinbase account. I purchased two Bitcoins and some other alternative coins without any problem. 

Three weeks ago I was unable to purchase any other coins because my 'buy ' option was XXXX. The error message said as such but without any details. 

I logged several tickets without success and received only once response which seemed like a robo answer saying the issue would be 'escalated '. This has been over a week and no further communication was provided. 

At this point, I simply want to liquidate my account with Coinbase but I am unable to do so and without any recourse. 

I currently hold about {$21000.00} dollars in digital assets in my Coinbase account. Without any recourse or ability to access my assets I consider them stolen. The fact that I 'see ' them in account without having any transaction rights does not change this reality.

Company response to consumer: Closed with explanation