vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: CA

Complaint narrative:
Dear Sir/Madam Let me put it in simple language. I paid a sum of money to receive a service that was not provided. Food and drinks were supposed to be provided in this 16 hour international flight and that did not happen. In simple language, this is a breach of contract. The terms of the contract were not met by XXXX XXXX. I demanded my money back. This is not rocket science. 

Few more things - I have been with AMEX for a while now and so far I have made regular payments at all times. Also I have recently made chunks of payment towards all my AMEX credit cards to bring all my balances down to {$0.00} except for the XXXX XXXX charge which is the only money that I havent paid yet and I am sorry to inform you that I wont pay this amount. I do not deserve to pay this amount because I did not receive the service. 

Amex has a responsibility towards its customers who are the end consumers in most cases. Consumer protection is the practice of safeguarding buyers of goods and services, and the public, against unfair practices in the marketplace. It is a shame to see AMEX supporting the merchant and not its customer. I cant force Amex to support me but my honest advice to Amex would be to start its collection proceedings in order to recover this XXXX XXXX charge from me. Also I would like to inform you that I am never going to use any of my AMEX cards ever again in my life. 

Thank you for the awesome service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have been in the hospital, and just got out on the XX/XX/2020.  I was 2months payment behind {$1000.00} dollar 's. They claim that i have {$1100.00} In late fees and threatening to repossess my vehicle if I dont pay {$2600.00} by the XXXX. Or Else they will repossess my car. On XX/XX/XXXX. I told them i have other bills and that I had XXXX. Also I told them I could catch up on the 2 late payments not the excessive late fees. The company Consumer Portfolio Services. Also looking at my payments none of my money since XXXX is going to my principal. All to interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 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: LA

Complaint narrative:
I have 3 credit files all with different social security numbers but similar names they keep merging all three files and any negative information removed is eventually returned back on the file. I have complained several times and nothing has been done to correct this issue. This has preventing me from being able to purchase a home. This has been going on for more than 3 years which now causing my credit score to be very low. I try and speak to a representative and they are very rude and say they will get back with me. I have sent in verification of my social security number and ID to prove who I am really is. But nothing is being done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates ( XXXX XXXX XXXX ) Amount XXXX Amount XXXX I went to see this doctor they advised me the date of the appointment they could not offer the services I needed so I left without seeing the doctor. I also had Insurannce that would have covered this. This is affecting my credit bad. I have disputed this with XXXX  and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-03-24 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:
My Chase credit card was overcharged for the amount of {$430.00} ( $ XXXX {$130.00} ) by Swiss airline on XX/XX/2019, i disputed these two transactions as i purchased a round trip flight ticket and i called the airline to reschedule my 2nd trip due to a health circumstances they inform me that my ticket is non refundable however i was informed by them before paying for this ticket that my ticket is refundable, i called chase credit card to dispute these two transactions they came back to me saying that my request has been denied because my ticket is not refundable, i requested an evidence because they never sent me any email, or any kind of correspondence demonstrating that my ticket is nonrefundable, all i received is an itinerary without any terms for my ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This account was fraudulent and never opened by me. It was removed once before and now purchased by XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX which stores checking and debit card info began attempting to withdraw money repeatedly from my Huntington account. I did not authorize this nor did I authorize them submitting it 3-4 times. 

I was charged a total of 10 {$37.00} returned item fees. I changed my debit card number and put a stop ACH on my account for this merchant, and yet they let them continue to try and empty my account without my permission and refused to refund me the TEN fees for one transaction which is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Loan Care service out of XXXX  XXXX, VA. around the end of XX/XX/XXXX. I was paying a biweekly payment so that I could pay down my mortgage earlier than the 30 year maturation date, which meant two payments in XXXX on the XXXX and XXXX. With the switch to the new company, I received paperwork that said the payments would be bumped to the XXXX and XXXX but no action was needed on my part. The XXXX past with nothing happening. I received an email from the company saying something about the original loan number being off and that the first payment would come out the XXXX. Nothing happened. I called on the XXXX to complain and figure it out, after sending an email that no one replied to. This company is almost impossible to get a hold of and requires hours on the phone of wait time to get a hold of the proper person. After a half hour on the line, the lady took all my information, reassured me that a payment would come out on the XXXX and then XXXX for XXXX and then would be every 2 weeks after that like before. Well, XXXX payment came out but none on the XXXX..Complete incompetence. I called Monday XX/XX/XXXX and waited hours to talk to someone - finally, I had no more of MY time to wait and had to go. I am still waiting for a resolution to this situation from this God awful company.

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 2020-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Penny mac is offering assistance to srtugling homeowners.i have a major problem that although they are willing to assist .if a borrower clicks on yes to accept assistance it offers no specifics or description on assistance.Its almost like making a deal with the devil.for assistance someone needs to defer 2 months like myself and has and intrest rate of 3.250/ i have consented to the possibility of being placed in a forty year with a market intrest rate over that.?? borrowers will be inundated with intrest paymnets to achieve a lower payment.i think this definetly needs to be looked at. this in the long run will hurt borrowers and pennymac profiting handsomely, i need assistance but not at that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
Emailed XXXX early on Friday XX/XX/XXXX to ask for forbearance plan or skip a pay fee waiver or any other program for those affected by covid-19 like myself since I had a payment that would be auto-debited on XX/XX/XXXX. I did not get any response at all. Monday XX/XX/XXXX I emailed again. Early the next morning the payment was debited. I think institutions are supposed to be working with affected customers at this point which would at least involve SOME communication. Answering an email request for an online lender seems pretty reasonable of an expectation to me within 4 calendar days. Now I'll get an overdraft fee from my other bank too which is only their fault to the extent they didn't answer my email like it says they will within 2 business days.

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 2020-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
National credit adjusters is trying to collect a debt for XXXX  XXXX  that is not owed to them. I never received anything in the mail from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX in the fall of XXXX from XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX was the sales representative. I would be in the United States for a limited time, probably three years. During that period, my wife would fulfill her XXXX   requirements to obtain XXXX XXXX. After this, we would return to XXXX where we live. At about the same time, XXXX XXXX was sold to a hedge fund and its name changed. 

My wife received her XXXX  on XX/XX/XXXX. And we began preparations to return to XXXX. On XX/XX/XXXX, I telephoned Mr. XXXX to advise him that we would be leaving and get information about the protocols regarding the lease. I subsequently met with him on Friday, XX/XX/XXXX. He advised me that there would be no problem with the lease since GM had an early return program that allowed for vehicle turn-ins up to three months before the end of the lease. Since I was returning to XXXX, he knew I would not be leasing another automobile. Furthermore, I remember he also made a comment in passing that XXXX would mark the last monthly payment. I found that odd. And I also found it incorrect. XXXX was the last installment, paid to GM Finance ( {$480.00} ). All installments were automatic-payments through my bank, XXXX. After the XXXX payment, there were no further payments dispensed to GM. I presumed that the lease was over, just as Mr. XXXX had described. Afterall, some entity in the payment-chain had notified my bank, or no expected further payments to be made. Who did it? GM Financial? XXXX? XXXX XXXX XXXX? The hedge fund? Who? 

The car was turned in on Monday, XX/XX/XXXX. It was in very good condition with low mileage ( XXXX miles ). The next day we flew to XXXX. And life continueduntil A received a call on XX/XX/XXXX regarding lease termination documents. I never received any except a document dealing with mileage and the turn-in condition. That was given to me upon turning in the car. 

Another call on Friday, XX/XX/XXXX, told me that I had to pay the three months of installments, despite what Mr. XXXX had earlier told me. I then sent an e-mail to XXXX, recounting his earlier conversations with me, as described at the top of this letter. These were my last sentences to Mr. XXXX : I am concerned, amazed and embarrassed that, for some reason, I was mis-advised. And expensively so. I am sure that my recollection of our past conversation is accurate. Please explain. 

I still await Mr. XXXX acknowledgement. So maybe someone in senior management could ask him? 

With the ending of the monthly payments in XXXX, I assumed that GM Financial was satisfied with the deal as explained to me by Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I XXXX XXXX XXXX XXXX am filing a complaint of New Rez LLC / Shellpoint Mortgage Servicing due to I emailed a former supervisor there on XX/XX/2020 by the name of XXXX XXXX with attachments I would like for you to investigate as my email contained attached documents for him to resolve this matter before they decided to increase my mortgage payment to {$2000.00} and create an escrow shortage for me when they duplicated payments to XXXX XXXX XXXX XXXX in XX/XX/XXXX and XXXX of XX/XX/2020then I received a letter of my investor well my investor hired New Rez LLC / Shellpoint Mortgage Servicing so when I reached out to the Investor they were not happy as they know that New Rez LLC / Shellpoint Mortgage Servicing is out of compliance. I am requesting for your immediate attention on this matter along with disciplinary action as I do not understand how a supervisor XXXX XXXX has a right to neglect my request for assistance to resolve my concerns on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Helm Associates
State: PA

Complaint narrative:
I asked for an extension just for a few days because i was unable to make my payment on the date it was due. I'm currently out of work because of the coronavirus and have been since social distancing started. I work face to face with clients and im commission based so if i dont work i dont get paid. The loan company has the ability to shut the car off using a passtime device so ive been having to gas up 24/7 just to keep my car on because once i turn it off i wont be able to turn it back on until its paid and these people do not work with you AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Note : The initial questioning does not suit my scenario, therefore I place any answer to move forward. I would suggest other means of finding the issue of the complainant, such as a direct question. 
To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX To whom it may concern, I am making a complaint in reference to property claim dispute with USAA insurance. I have been working on this claim over a year. I first noticed the damage to the home in XX/XX/XXXX. I was in school in XXXX, Tennessee at the time. 
One weekend I came home to check my mail and I had to immediately return school, because I was working as an XXXX in the mornings and attending school in the evening. I witnessed the wind blow my roof shingles up in the air like a sheet being tossed to and fro when one attempts to make their bed. It was raining at the time too. I did not have time to contact USAA and follow the complaint. I submitted the complaint when I finished school  in XXXX. The actual date may be in XXXX or XXXX of XXXX. 
I had considerable mail to police and work to do to put my house in order, literally. I have health issues that needed to be attended to and I was working with VA to get those taken care of. I had a XXXX  XXXX (  XXXX XXXX ) and they are currently working to help with XXXX XXXX XXXX XXXX XXXX, so my ability to get around is severely hampered. 
The issues with the claims are the inspector ( s ) will come out and inspect, but they do not report or even return calls to me once they have completed the report. We would have to review each inspector separately. The final inspector did make his report after my call to USAA. He admitted they will only do what the insurance company wants them to do, which is my word against his. In this final assessment by USAA and their subcontractor XXXX states the cost of repair is less than the deductible, but they never include the repair of the roof, which is estimated to be between three and five thousand dollars. 
The damage they report is to the bathroom skylight, and the dining and living room water marks. The problem with this is water flows from the roof to those other areas, so if the roof is not repaired one would be wasting their time repairing the other areas. It is akin to placing a bandage on a gaping chest wound. 
I would have to fill you in on the finer details as we go forward, because the details are considerable and extremely important. 
Thank you for any assistance, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: GA

Complaint narrative:
I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.

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 2020-03-24 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: GA

Complaint narrative:
I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX  '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my XXXX  and Equifax report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this  debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My company 's 401k account is administered by Wells Fargo Retirement Services. Neither account holders, the Company, branch personnel nor Wells Fargo Executive Office can reach a person in Retirement Services. All we get is being on hold listening to music infinitum from XXXX EST to XXXX EST. Neither the Executive Office or branch reps have a name of who is over Retirement Services. 
I'm XXXX years old, wanting to retire at year end and have to watch my account fall each day & not access my account.

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