vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BHFC Financial Services INC
State: AZ

Complaint narrative:
XXXX XXXX <XXXX> XXXX XXXX ( 4 minutes ago ) to  me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I traveled to XXXX in XX/XX/2018. While there, I stayed at a few resorts that I booked through XXXX and paid for all of the lodgings with my XXXX XXXX card ending in XXXX. 

On the night of XX/XX/XXXX, I stayed at XXXX XXXX XXXX, which I booked through XXXX. From XX/XX/XXXX through XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX XXXX. I've will attach documentation related to these stays when needed. 

On my statement, I received 2 charges ( one for {$250.00} and another for {$280.00} ) from XXXX IN XXXX XXXX XXXX. This must be the business name for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and didn't receive a response. 

I reached out to XXXX for assistance. They were able to contact XXXX XXXX XXXX. I will attach what XXXX responded with when needed. Essentially, XXXX XXXX XXXX says these charges are not from them. 

I escalated this to Chase and provided them with everything I stated above. They escalated this to the fraud department, and the fraud department said these are valid charges. By the time I received the decision in the mail ( around XX/XX/2018 ), Chase said it was too late to continue the dispute. They said that the dispute window passed on XX/XX/2018 and they won't do anything else. I said " I'm essentially down {$250.00} now '' and they said " correct ''. 

It's clear to me that this is a double charge. Chase has dragged on this process and now it is past their " deadline ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On Wednesday XX/XX/2018 at approximately XXXX XXXX  CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/2018 accountnumber : XXXX Creditor 's Name : XXXX XXXX/XXXX  XXXX XXXX Type of Industry : Women 's Apparel Address : XXXX XXXX XXXX, XXXX , OH XXXX Amount Delinquent : XXXX Payment Status : Late 30 Days Creditor 's Preferred Contact Method : Other I was affected by Hurricane Florence and out of work from XX/XX/2018-XX/XX/2018.  I contacted XXXX  XXXX XXXX  and notified them and was told that I would be placed on the financial hardship program and that my account would not be reported as delinquent. This company has threatened me and advised that there wasn't anything that they could do to resolve this matter and this is not something I am happy with seeing that I have been a customer who always paid the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I applied and was approved for the American Express XXXX XXXX XXXX Credit Card ending in XXXX. My first statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account. The second statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account as well. The third statement closed on XX/XX/XXXX and I still didnt get any of the points I earned since I opened this card transferred to my XXXX/XXXX   account. 

Over the last 3 months, I have contacted American Express countless times via Phone, Chat and XXXX to inquire about the issue. I was told to wait 6-8 weeks for points to be transferred, when the 8 weeks passed, I was told to wait for the third statement to close. However, the third statement closed on XX/XX/XXXX and the points are still On Hold by American Express. 

I was never given an explanation of whats going on with my account. I no longer have access to see my points balance at americanexpress.com, this section, located at the right upper corner of the credit card online profile, has been disabled by American Express. They charged me an annual fee for a card I dont have access to its main benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2018 at approximately XXXX XXXX I requested a transfer of {$500.00} from my PayPal account to my local financial institution, checking account. At XXXX XXXX I received an E-mail from XXXX stating that for up to 72 ( hours, days, weeks?? ) a hold had been placed on my transaction for review and IF it passed their review it would be released and the regular withdrawal timeframe ( 1 business day ) would then take effect. 

On XX/XX/2018 at XXXX XXXX I placed a phone call to PayPal. I talked with a male customer representative ( unknown name ) requesting as to why the hold was placed on this transaction when my checking account has already been verified by PayPal. He did not have an answer to my inquiry. He did state this was a normal PayPal practice. He stated that once a hold was placed on a transaction they could not override it. He also ensured me that once the review/72 hour (?? ) hold was over the money would be transferred and available for me to access. I stated that the E-mail said otherwise and he assured me again that the money would be available when the 72 hour hold was completed. 


Today, XX/XX/2018 at XXXX XXXX I make phone contact with PayPal and  talked with customer representative, XXXX. He stated that the hold was still in effect and it could now be 3-5 business days before the money might be released to my checking account. I informed him that 72 hours was completed and the money should already be in my account as the other representative assured me it would be. XXXX stated that it could possibly be Monday, XX/XX/2018 before the money could possibly be released to my account. XXXX stated that it was my financial institution 's practice to review the transaction and then notify PayPal to release the funds to my account. This did not sound correct to me. I requested to speak to XXXX 's supervisor as he was not attempting to resolve my issue and was just piling on a load of manure. I have worked in the most extreme area of customer service ( in a prison ) and truth is all that it takes, not a pile of manure. He refused to transfer me to a supervisor. I ended the call as the pile of manure was being spewed to thickly. I contacted my financial institution and inquired if they had to review the transaction before it was released into my account and they assured me no that was PayPal 's  responsibility to release the funds not theirs. 

I am not asking for thousands upon thousands of dollars to be transferred. I just want my XXXX XXXX dollars so I can buy some XXXX gifts for my family and get my husband 's truck repaired. I am very frustrated with the run around I am getting with PayPal and hope that others do not have to go through such a hassle just to get their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : KIMBALL TIREY & ST J Account Number : XXXX Date : XX/XX/2017 Amount : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I'm XXXX years old. Purchased a cell phone from XXXX XXXX XXXX. I maybe make about 3 phone calls a month because I have a land line that I always use. The most I could use the service is for 1 month. Now that has escalated into a charge of $ XXXX.Apparently the collection agency added on alot of money. I tried to settle for 1 month of bill but they refused. They won't send a statement because they Credence is of  over charging me & taking advantage of my age. I will NEVER pay {$460.00} for 1 month of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I contacted LeaderOne Financial in XX/XX/2018. I was told that we have plenty time before we have to get the ball rolling, since closing is set for XX/XX/2018. When we got to about three weeks before closing, LeaderOne Financial agreed to match a locked loan estimate I received from another lender on XX/XX/2018. They did this by working with and XXXX XXXX XXXX ( both in Colorado ). Three days later on XX/XX/XXXX, they simply said they can not match it anymore. They dragged their feet on the entire process so that I am forced to go with them. No other lender is able to close on time now. This is essentially costing me about {$10000.00} ( not out of pocket, but in lender credit and closing costs not to even mention the stress, time and effort ). 
I started getting suspicious when LeaderOne Financial outsourced to  XXXX XXXX XXXX, and started using personal email address rather than company email address. They both then outsourced to a major bank ( XXXX XXXX ) who called me and was upfront with me and explained there is no way they can do what these lenders promised me. Now they simply gave up and left me with the mess. I have to forego the deal on the new property and start from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. 
Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. 
Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. 
Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citibank XXXX XXXX card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.

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 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and   XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX  are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
Hi, I have filed a report against this company and filed a report with Visa. They have withdrawn money from my account first my debit card and then processed through my bank account and withdrew money twice. One day was a scheduled payment and the other day was on a day that was not authorized. There was no notification that was sent to me that they were going to withdraw another amount from my account two days after they withdrew money for the loan payment. I filed a dispute with Visa and they filed back and stated they have every right to withdraw when they want. I never signed paperwork stating that they can just withdraw money from my debit card whenever they want. It states clearly in the contract if they cant withdraw from the checking first then they will withdraw from the debit card on the account. Which they already withdrew from my checking and then ran it through my debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made this mobile deposit for my account and it got declined XX/XX/2018 for XXXX and I want to know why it was declind

Company response to consumer: Closed with explanation