vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX   XXXX XXXX Balance Owed : {$0.00} AMEX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} BK OF AMER XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} BK OF AMER XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

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 2020-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
To whom this may concern, I have an issue with my current loan Advance financial. I had applied and approved for a loan for {$250.00} which I was making payments for about {$56.00} per pay check. Now I went ahead and on the website and refinanced the loan but for the wrong amount which I instantly returned the funds within the same day, the amount was {$2200.00} and sent the cancelation document for the loan the same day actually the same hour. I reached out to their contact center and talked to an Agent who explained to me that was you cancel the loan they would revert the loan back to its initial loan amount of {$250.00}. The agent explained to me that they will open a ticket on the XX/XX/XXXX to handle the matter All this happened back in XXXX. I have called constantly for the last 2 months to get an update on this but all I get is the finance department has a ticket on the matter. I noticed that on their site it did not change anything and instead showed the previous loan amount of {$2200.00} and that I owed {$650.00} on XX/XX/XXXX. I found this very concerning and got me anxious. I reached out to their contact center rep and each time they stated that it was canceled and that finance has a ticket open to fix the issue and get my loan to the previous {$250.00}, each time I would reach out, and this has been more than dozen times I never got a straight answer and would request a supervisor call and never received a call from a supervisor till this day ( Almost 2 months later and more than a dozen calls ). 

Today XX/XX/XXXX I spoke to rep who instead told me very contradicting information and had me highly concerned about the issue, she was stating I still owed {$2200.00} plus interest for a loan I never took or used due to it being appended to the previous loan. I explained to her that should not be the case as I canceled the refinance loan and provided adequate documentation to this matter to cancel the loan. It seems that the organization is not following correct guidelines and is instead using predatory practices to extort customers. I have been calling for more than a month to get a solution to this matter and it is unacceptable that I hear contradicting information and also to be charged for a loan I never took or used, one of reps on the call dating back to XX/XX/XXXX explicitly stated that the refinance loan is canceled and your previous current loan would be upheld. Today on their site I see I owe {$2700.00} and a payment due of {$650.00} on the XXXX, this is wrong and unacceptable. 

I requested more than 5 callbacks from them asking for a supervisor but not once did I ever get a supervisor to call me. No call records from them calling back. 
They have to be stopped as they are ruining lives. Advance financial purposely refused to give me correct information and instead gave me contradicting information in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hi! I submitted a separate complaint recently about XXXX XXXX that has been resolved if you wanted to see more context but the major issue was with Venmo. In short, on Thursday XX/XX/XXXX I received a " spam bomb '' to my inbox and in there was a notice my primary email address on Venmo was changed. In addition the listed cell phone number was changed. I suspected easily preventable fraud was incoming so contacted Venmo, as well as XXXX XXXX whom my Venmo is linked to, asking to stop any future transactions on or related to Venmo. In addition I had Venmo freeze my account and was hoping to get my log in information reverted back to my actual email address and phone number. Venmo itself wasn't taking phone calls given COVID so an email was sent and responded to by them, freezing my account and I thought I was double covered. 

On Tuesday XX/XX/XXXX, after the stop orders and freezing of accounts should have been in effect, I wake up and find two unauthorized transactions have been sent from Venmo to my XXXX XXXX account, totaling ~ {$3000.00} and Venmo had drained my XXXX XXXX checking account to the point there was an overdraft and assorted fee. These occurred late on XX/XX/XXXX? I message Venmo back to inform them of this and to shut down my account as to this date they have still been unable to revert the associated frauded phone number on the account back to my actual phone number. In addition, Venmo denied both disputes within minutes of opening the case on each, ~a week after this preventable fraud, though I got the money back from XXXX XXXX so was not harmed by this. Payment IDS were ID # XXXX and ID # XXXX. 

Venmo has now refused to shut down my account unless I provide them with even more information such as a picture of me with an ID and I don't trust them with more information than they have so my Venmo account is still open. In addition, I can't even reset the password as I need to verify a change with the phone # associated with the account which is now a fraud phone number I don't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I own a XXXX XXXX XXXX with a community capital With only {$250.00} charge community capital has fraudulently charge me fees in a very ingenious way this is one another gotcha company that is making life miserable for people and adding do already dense environment around us according to care xact every creator was overlooking the credit payment late fee but this company is holding me whole stage for my credit report to pay for various kind of fece 1st I bought something on a 6 month nor interest never got a letter from them finally found out they had a wrong address after 6 months the balloon charged me int'rest the take advantage of 3 hour difference between Eastern standard time and Pacific standard 9   if it is XX/XX/XXXX XXXX XXXX in California it is  XXXX XXXX in Eastern San the time and I'm late on my payment that's how they charge late fee and I have tons of them then when I give them my checking account information to make a payment only them and only this bank comes out as your account is non transactional while the same account is being used by other companies to get their payment why do they do this so that I called the customer service representative and make a payment using a debit card through him and they charge me {$9.00} as a customer representative beam in fee please help me otherwise I am stuck in this predatory loan company and menu contact the customer service they're very rudely say they're sorry pandemic or no pandemic we are not going to live

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have had a dispute with Cavalry with a debt with XXXX since 2019. I had spoken to the company on several occasions and notified them I wanted to make a payment plan. I did so and the arrangement was to pay {$200.00} a month. I had direct deposit from my account with XXXX XXXX. I notified the bank and approved having that money withdrawn from my account on a monthly bases. Cavarly proceeded to do so but they did not approve it on their end for which I called multiple times and they kept referring me back to my bank where the problem was not on. This continued for months and every time I spoke to one of their representatives and asked for another way to make the payment I was told on every occasion that withdrawals for the bank was the only way could pay the debt. They told me on numerous times they would not accept any payment over the phone, money orders or checks sent to them by mail. I never once have denied payment to these debt collectors and tried on several occasions to make it work. To this day I am not refusing to make any payments but they have continued to send letters threatening sue and that I need to present myself to court if I deny payment which is not the case and never has been. They are the ones who have refused to cooperate with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
On the XXXX XX/XX/2020, I booked a return flight for my Aunt going from XXXX  to XXXX. This flight was booked using my chase XXXX reward points. However, the flight booked was cancelled by XXXX XXXX. As such, I called XXXX XXXX to get a full refund, as per the DOT regulations and while XXXX XXXX promised to refund the flight they never did. On XX/XX/2020, I submitted a complaint to DOT explaining how I was not given a full refund as I'm legally entitled to. As such, such DOT replied back to me explaining that they contact Chase Travel and XXXX XXXX, in regards to this and requested them to issue a full refund. On XXXX XX/XX/2020, XXXX XXXX, contacted me stating they were looking into the issue and would get back to me. On XXXX XX/XX/2020, XXXX XXXX, replied back stating that they had system issues that resulted in them delaying the refund on their side. As such, they requested that I initiate a credit card dispute to retrieve the original cost of the flight. As the flight was booked using chase points, this was not something I could proceed with, however, this would be something that Chase Travel could resolve. I contacted chase travel multiple times via email, with the last email sent on XX/XX/XXXX and I never received any response. During this time I called Chase Travel Center to get in contact with a supervisor in order to get authorization to proceed with the chargeback. Over a 3 month period, I called Chase Travel Center four times and each time, I was told that there was no supervisor available and that I would need wait approx. 72 hours for a a call back. However, each time I never received a callback and I'm stuck in the same place as I was since XXXX. Each of these phone calls were recorded and I contacted Chase Travel Center once via Chat, to get this resolved ; again being promised a call back from a supervisor, which never happened. I have all the email history from DOT, XXXX XXXX & Chase XXXX XXXX XXXX with no replies XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us

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 2020-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I emailed Navient on XX/XX/2020 requesting that they apply my additional payments to the principle because I noticed that they applied it to principle and interest. They responded on XX/XX/2020 and told me they were unable to apply my payments to principle only because I had accrued interest. Is this possible that I can not pay down my principle? I have paid so much interest on my loans over the past 16 years and my balance has barely gone down. I am now in a position to aggressively pay off my loans, but feel like my provider is making it so challenging to get ahead. This just seems unethical. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Comenity Bank - XXXX XXXX  has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and XXXX XXXX  account statements confirming " on time '' payments every month. But if you look at my XXXX, XXXX  and XXXX reports they all show X 's for  the past six months to date?? I am now paying more each month then my minimum payment due and there still is incorrect reporting on my credit reports. For the past few months I've gotten a Credit Help Agency to dispute the false report. No change. I called XXXX XXXX/Comenity Bank Customer Care last week. They confirmed all of my on time payments and saw that I was paying more than the minimum required. They could not understand why the credit agencies were not reporting it. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX   and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/12 I went into my Synchrony Home  account and found that ALL ( 6 ) of my Synchrony accounts were CLOSED. I have had several of these accounts for over 10 years and have never missed a payment on any of the accounts. Typically pay more than the minimum and often pay off promo purchases early. I have over a 700 credit score and have not ever missed a payment on anything on my report. When we contacted Synchony they said a random review of the credit bureau led them to think there may be an inability to pay .... based on what?? I read a ton of reviews and hear that they did the same to many others, they just increased the credit limit on 3 of the accounts and they closed them less than 2 months later ... makes no sense! The worst part is that now my flawless credit report will be damaged because of them!

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 2020-10-13 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: CL Holdings LLC
State: AZ

Complaint narrative:
I never ever had an account with the account associated with Jefferson Capital. I believe that they were sold a collection account that I had nothing to do with.

Company response to consumer: Closed with non-monetary relief