vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX. I have a home equity line of credit with US Bank. I reaffirmed my mortgage in XX/XX/XXXX and the reaffirmation agreement was filed with the courts on XX/XX/XXXX. My monthly payment has continued to be automatically withdrawn from my checking account each month. However, my HELOC is no longer showing up online nor am I receiving any monthly statements for it. My bankruptcy has been discharged and I thought I would begin receiving statements again on my HELOC. I called US Bank on XX/XX/XXXX to find out when I would be able to see my HELOC online again and when I could get statements. They confirmed that the bankruptcy shows discharged but didn't know why the status wasn't updated. I was transferred to 5 different people who all told me different things. XXXX said she wasn't sure why the HELOC status was not updated and transferred me. XXXX told me that I would not get statements again on it and it wouldn't show up online. XXXX told me that didn't have my reaffirmation agreement on file and I needed to contact my lawyer to have that filed. The last person I talked to in the bankruptcy department said they would not send statements or show my HELOC online until 60 days after the bankruptcy termination date and that I would have to contact my lawyer for when that is. They said all they could give me was the current balance and tell me my payment history. They said that they don't show any payments since XX/XX/XXXX even though they have continued to take the payments out of my checking account each month. I'm concerned that I am not getting credited for the payments I've made, that my balance is not going down, and that I am accruing interest on a balances that I've already paid towards. I have no way to verify my HELOC balance, interest or payments and they refuse to help 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 non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX leased a vehicle from GM Financial {$290.00} a month and returned the vehicle at lease termination XX/XX/XXXX. 

In XXXX this lease still appeared on XXXX 's credit report when we tried to buy a house : It was then an issue that we thought was then corrected in XXXX. 

But in XX/XX/XXXX this lease payment still appears on XXXX 's credit report and GM Financial was called by the lender who confirmed the lease was paid off. 

This incorrect information is a violation of the consumer protection laws. 

GM financial has refused or neglected to correct the matter causing financial and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b XXXX separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX  XXXX XXXX and have a form of XXXX  XXXX by which i take XXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli & Kraimer is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX  for an XXXX   account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to XXXX XXXX stating the don't have that authority. 

2. When i called XXXX XXXX asking for the same thing, they sent me back to Messerli & Kramer stating the account is no longer in their hands. 

3. I submitted an offer to Messerli * Kramer on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from Messerli & Kramer stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between XXXX XXXX & Messerli- Kramer . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card changed my online account without my knowledge to a fixed payment from minimum due. A payment was made to Capital one in this month they claim it was late but it was a fixed payment of {$75.00} and not enough to cover the minimum due. No emails or letters were sent to me until it was to late or I would have corrected the issue.I have since paid off the credit card so that this fraudulent company can't do this to my credit again to me! I`ve contacted several individuals at Capital One to resolve without any success. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I refinanced my house on Monday, XX/XX/XXXX. I called BSI Financial Services on XX/XX/XXXX to make sure they didn't charge me my XXXX payment since they are no longer my lender. I waited on hold and they forced me to leave a voicemail. I gave my loan number, contact number, and explained I wanted to make sure I was not charged. They said they would return my call in a day. I called XXXX, XX/XX/XXXX and left another message with no return call. Yesterday, XX/XX/XXXX I emailed BSI on their portal and explained they were no longer my lender and I was revoking their access to my ACH checking account. Today, BSI Financial withdrew {$1000.00} from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I received a voicemail from XXXX from Ally XXXX customer relations in an attempt to resolve the complaint that I made about the loan still being on my report despite it having been paid off for close to 2 months. 

I have called her back twice leaving voicemails both times at her extension, and I have not heard anything back and the issue has yet to be resolved. 

My complaint is to express my dissatisfaction with both Ally Auto as a lender as well as their executive customer relations department. 

Having this loan on my report is impacting my ability to maximize my loan offers for a mortgage. 

XXXX 's contact information is the following ... 

XXXX Options : XXXX then 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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Due to the hard time I am having I am unable to pay my debt. This company has called my mom numerous times and she is not on my account. I will pay my debt but not right now. They have no right to call her and its causes more stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Credit cars got close on XX/XX/XXXX was placed on a payment plan, I pay several payments. Two large one for XXXX each and several for {$500.00} each. Balance is {$4100.00}. They insist that a payment set up which was set up. I call them before they try to redraw the payment and explain due to covid 19and XXXX being shutdown I cant work and I have no money coming in what I have is just for food. I explain I wouldnt be able to pay that right now until my state opens up back. They still try taking the money out, charge my account {$39.00} fee for not honouring payment and also they report to my credit XXXX  on XX/XX/XXXX. I call them they kept insisting they can not stop It and will do so every month once I am late and since my account is close I have too pay in full. 
Please help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Markoff Law LLC
State: IL

Complaint narrative:
My complaint is about Markoff Law located in XXXX, XXXX 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call Markoff Law at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX XXXXXXXX nor this Markoff Law. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXXr XXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I opened a Credit Card with XXXX XXXX, with 0 % interest for 12 months. After I was approved, they sent me some checks that I didn't request. After using one of the checks I got an {$89.00} fee and they started charging me interest. 
Why are they allowed to send these checks that are full of fees? I sing up for a credit card with the conditions I agreed, I didn't agree about them sending these checks with all this fees and interest. 

When I called to ask they said that if I wanted to pay off the debt, I would have a {$200.00} interest fee, I said to them that they just charged me {$45.00} interest a few days ago and I should be able to pay off with no penalties. 
They said they charge daily interest. 

What can I do?? 

Thank you for your help

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 2020-05-08 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: AFNI INC.
State: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since XXXX continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Solutions. Along with a plethora of fraudulent credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXX  by which i take XXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: UT

Complaint narrative:
On XX/XX/2020 my spouse 's XXXX account was hacked and fraudulent purchases made. We both use our XXXX XXXX rewards card for our purchases. We contacted XXXX and the issue was at first resolved. The transaction was cancelled, and we replaced our credit cards just in case. 

Later, we received an email from XXXX saying Chase had disputed the refund and we needed to pay our my spouse 's XXXX account would be locked. We were advised by XXXX that we needed to handle this issue with Chase bank. 

I have spent at least six hours on the phone last month, as well as sending electronic messages through Chase 's secure message system and even sending a direct message on XXXX. It was through XXXX I was able to get a fraud reporting number which unfortunately is not immediately apparent on Chase 's website. 

My last communication with Chase on this issue, approximately two weeks ago was by phone. The agent assured me they would credit my account for {$50.00}. This has not happened. 

I feel that the amount of time I have spent chasing this {$50.00} is absurd, even taking into consideration the pandemic. If anything, Chase should be devoting more resources to protecting their customers from fraud considering the spike in scams taking advantage of the pandemic. As an aside, I am also concerned that XXXX would effectively hold someone's online shopping account hostage during a pandemic when we are supposed to be social distancing, simply because Chase bank is unable to process fraud claims.

Company response to consumer: Closed with monetary relief