vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I call GM about helping me out with my Lease payment, since I lost 66 % of my income and they said that the only persons they are helping are those customers that have finance their car and not the people who have a Lease them. I think that's unfair since both have to make car payments. I feel GM talks  lot and dose very little to help all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XXXX of 2020, I received credit adjustments on my checking account because I had fraudulent activity on my account which occurred out of state in Oklahoma. I reside in XXXX. I informed the bank I had not traveled to Oklahoma or made any such charges. They issued the credits on my account. I told them to also review the security footage because some of this fraud occurred in a casino there where there were security camera 's they could probably get access to. They obviously did none of that in terms of their investigation. Instead, they charged my account today almost {$2000.00} and caused it to go negative for that amount. I am a senior citizen on a fixed budget. I was almost in tears. I was on the phone with Bank of America trying to get through to them for almost three hours today. The representative told me to put this information in writing again to their claims department and request a resubmission, which I did. But in the interim, they refuse to take those negative charges off my checking account so I am unable to pay bills with it or buy groceries, etc. This is ludicrous. I am going to attach the copy of the letter I faxed to them earlier today for your review. It is outrageous. They originally told me they could review security footage on these transactions. I have not traveled out of state. They can not treat a senior citizen like this. I thought I had protection again fraud.

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 monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Due to the Covid 19 crisis I have been forced to work on an extremely limited basis. As a XXXX individual my income went to almost nothing during the month. On XX/XX/ another similarly situated XXXX friend called me and advised he had called his mortgage services-XXXX- and in compliance w/the Govts directive gave him an automatic 3 month forebearance and deferred his payments to the back of the loan-all in less than 1 hr. I called my services-Shellpoint Mortgage Servicing. Was on hold for 2 hours- and was then told 1 ) someone wd call me back in 7-10 days & 2 ) they  werent aware of the 3 month deferral out of necessity. I believe something should be done immediately before Shellpoint creates greater stress & hardship on borrowers who have no income coming in due to a crisis not of their own making. Its just terribly wrong. As w/XXXX  these problems can be resolved in an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX my account got tranferred from a mortgage company named XXXX which I was filing a law suite agaist them, for making up an escrow account and adding all my montly payment to that escrow account without my concent, and my money was sent and used to pay taxes on other property that had nothing to do with mine, .. i had to hired a lawyer by the name of XXXX to correct everything and it was a long process, untl he informed me that the company was declared bancruptcy, and I had lost more money as well as the attorney fees, so then my account was bought by shellpoint, basically XXXX XXXX transferred my account with only one payment that i had paid to previuos company and also with a balance amount that it was owe to me, and since then I have been struggling with this new company back and forth playing games with me, no oe seems to care or understand my fustration regarding my previous experience and now is a nightmare, I am living the same problem over again and this company is a disaster. I have spoken to several PEOPLE SINCE I FOUND OUT THAT I HAVE TO PAY THEM EVERYMONTH, WHICH I UNDERSTAND THAT IS MY RESPONSABILITY, BUT IF THEY DONT HAVE THEIR RECORDS CLEAR, I LOOK LIKE I AM BEHIND WHICH I WAS TOLD BY THEM TO WAIT TILL EVERYTHING GETS CORRECTED TO MAKE TE CORRECT PAYMENTS, WELL IT HAS BEEN 6 MONTH AND UNTIL TODAY ALL I GET IS HARASMENT LETTERS, DEFAULT LETTERS, THEY HAVE REPORTED MY CREDIT AND HAVE MADE MY ACCOUNT LOOK DELIQUENCY, AND YET EVERYONE OR SUPERVISOR CALLS ME THAT IT WILL BE CORRECTED AND I AM REALLY UPSET, AND DESPERATE IN NOT GETTING ANYWERE ... PLEASE I HAVE HISTORY OF PEOPLE THAT I HAVE SPOKEN, EMAILS I HAVE SENT, COPY OF CHECKS CASHED BY THEM, BUT MY SITUATION IS STILL NOT CLEARED AND CORRECTED, SO THIS HAD LED ME IN REPORTING THEM TO FEDERAL TRADE TO HELP ME RESOLVE MY PROBLEM SINCE ALL THEY DO IS IGNORE ME. ON XX/XX/XXXX. I PAID THEM A CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM FOR XXXX, PLUS XX/XX/XXXX AN XX/XX/XXXX WITH CK # XXXX UP TO NOW IM UP TO DATE AND THEY KEEP BILLNG ME FOR {$5800.00} AND NOW ANOTHER BILL OF {$3400.00} WHICH DOS N'T ADD UP AND DON'T KNOW WERE MY MONEY IS GOING TOO.. MY ACCOUNT IS STRICTLY PRINCIPLE AND INTEREST ONLY! I PAY YEARLY TAXES AND INSURANCE DIRECTLY TO TAX COLLECTOR AND TO INSURANCE COMPANY TO INSURED HOME,, THE BANK SHOULD NOT WORRY ABOUT THAT BUT ONLY THE PRINCIPAL AND INTEREST. THIS IS NOT GETTING CLEAR ON THEIR END ... PLEASE HELP ME FIX THIS, ASAP THEY HAVE REPORTED TO MY CREDIT WHEN, WHENN I  HAVE AN EXCELLENT CREDIT, THEY HAVE HARMED ME IN ANY WAY,, I PAY THEM AND THEY REPORT ME LATE AND DELINQUENCY WTH THEIR COMPANY, PLEASE MY NUMBER IS XXXX. MR . XXXX XXXX, FOR ANY QUESTIONS.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 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial attempting to collect on a debt that is not mine. This company reported that this account was opened on XX/XX/2019 and reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have been with Discover for 26 years. My rate is a variable rate according to all statements but the rate has never adjusted. It has been 29.99 % for years and everytime I call or message them they inform me they can '' t lower it. I have received not explanation other than that. Over the years the Fed has raised and lowered rates but there is never an adjustment to my rate which I believe is unfair considering I haven't been late in over a decade. I just want fair treatment like my other variable rate cards and a proper explanation as to why my rate never adjusts considering the currently rate to them from Fed is 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
when i first learned of your agency, i never thought id click five times and hiding behind XXXX to start a complaint but im XXXX   so theyll deal ... i will be sending you all what XXXX sent amex and thry used to say we know last month we used the term credit not temp credit and now ill send you copies once i get a complaint number ... our whole deal was we ordered something via XXXX and now this ... via XXXX investigation which mentions nothing about simply foing a usps package trace makes sense no? XXXX from XXXX and amex. 
first pge, they mentioned twice name address it was supposed to go too but under the word delivery youll see tracking for package # 1 package shipped too : XXXX  shipping address : XXXX this item usps tracking details : XXXX then some XXXX  yapping third party shipper and more XXXX  hey how bout simple trace package ... then my fault cause i ridnt get what ordered and no signaturre proof my fault too ... : next from XXXX, maybe you getit a bunch of restricted info then you got ta see it, like place by place trace says approved still XXXX  says delivered or signature proof.. last page i circled " it was delivered and signed by on to the address listed below '' and thats it and thats why amex writes that credit we taken back cause XXXX  aint prove XXXX ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In case number XXXX DATED XX/XX/XXXX XX/XX/XXXX I did not apply for no loan on XX/XX/XXXX with bank america and need the documents sign by me from Bank of America. I did not apply for no loan from Bank of America. Bank of America does nothing but commit fraud on consumers with no documents as proof from the dealer as well as bogus XXXX  with no proof. The run around with some computer letter of XXXX  with no proof. Bank Amercia is known for Fraud after fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After already filing a complaint against the bank regarding fees finally the appropriate actions were taken and my account was reversed fees. I was negative XXXX and recently made a XXXX dollar deposit to help maintain my account as I can with only limited income of XXXX  and also being laid off from work due to the covid 19 crisis. Now the bank has closed my account and blocked access to my account. They allege i can view my account statement via my online account or kobile app but they have restricted my account access as shown in the attached photos time stamped as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 : Reserved hotel, XXXX XXXX XXXX, in XXXX XXXX, LA for XX/XX/20 - XX/XX/20 with Chase Sapphire points totaling XXXX which is equivalent to {$750.00}. 

On XX/XX/2020 due to COVID19 shelter-in-place restrictions I filled out a Cancellation Form on Chase App, which said it was specifically for COVID19 reasons. Received confirmation email that Chase would cancel the reservation and was given Case ID #. 

On XX/XX/2020 I received no word from Chase and saw on the app that my trip was active. I called Travel Services and was told they would need approval from the hotel to issue the refund, but the hotel was not answering. I was instructed to call back the next day after a 3 hour hold. 

On XX/XX/2020 I called Chase Travel ( was on hold for 3 hours ) again and was informed the hotel marked me as a No Show because I did not cancel the reservation. Therefore, following the hotel 's policy, they can not issue any refund. I informed the travel agent that I filled out a cancellation form the day before the reservation and gave them the Case ID #. They replied, the department that handles those forms are offline and they would ultimately decide if I get a refund, but as of now I did not qualify. Afterwards, I went on Chase 's website and twitter, and filed a complaint. 

On XX/XX/2020 I received an email that Chase follows the policy of the hotel and advocated for a refund, but I was denied. I went back to the original email of the reservation and read the policy of cancellations from the hotel, which stated, " Cancellations or changes made after XXXX XXXX  ( Central Standard Time ( US & XXXX  ) ) onXX/XX/2020 or no shows are subject to a property fee equal to the first nights rate plus taxes and fees. '' If Chase followed the policy and advocated for me as they stated, then I'd get 75 % of my points back, however I am being refunded nothing even after their app made it seem like they were being flexible with travel changes due to COVID19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I held a Chase credit card. I was unable to continue to make payments, due to going on XXXX ( SSDI ). I was " offered '' a reduction in the debt payoff amount. I agreed to the arrangement, which was to consist of 6 payments directly/electronically taken on the XXXX of each month, from my Chase checking account. Two of those payments were debited, the last is shown here : XX/XX/2020 CHASE CREDIT CRD EPAY ONUS XXXX TEL ID : XXXX ACH debit {$130.00} {$1300.00} I have suffered another health setback. When I called Chase Customer Service and asked if I could terminate the electronic debit, they said I could not. I asked if I could terminate the electronic debit I have for my phone service - that they were willing to do. This did not seem right to me. I asked if I could negotiate a lower amount per month, over a longer period of time, Customer Service transferred me Credit Card services, and they transferred me to Chase Recovery Services. Chase Recovery Services answered, I asked to terminate the payment arrangement. My call was disconnected. I went through the same process again, two times on Thursday, XX/XX/XXXX, with exactly the same results. If Chase Customer Service could terminate any other electronic debits I was having made, then they should have been able to terminate this one. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, XXXX and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2020-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
received email from company asking for more information according to the credit report it was sold to another lender.the account was opened with a joint account for XXXX XXXX XXXX XXXX, my social is XXXX, the remarks on the credit report says chargedoff sold to another lender, the account has a XXXX balance but a high balance of XXXX dollars the amounts are in correct.the car has been sold and should be removed from both of our accounts, they do, t have a record, requesting for more in formation, I called the company and barefied their response we don, t have any information .im asking for this to be moved from our account.the car was purchased at XXXX XXXX in XX/XX/2014, it was closed XX/XX/2014, XXXX XXXX my social is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.

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 2020-03-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX  XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.

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 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
I tried reaching out to Hillcrest Davidson saying I live at that address XXXX XXXX XXXX my name was on there account as long with someone one else I didnt know when I ask for them to remove it they tell me I have to contact someone I dont know I refuse to call some dude I didnt live at that address at that time nor I didnt give nobody permission to use my information so they tell I couldnt get my name off that account even tho somebody else is on it as well and they refuse to give me any information regarding account I so called have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
Experian allowed creditors to pull my consumer reports without my consent. This infringed upon my right to privacy as a consumer and this has caused me financial injury.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX

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 2020-03-27 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX

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