vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XXXX XXXX I purchased an American Express Gift Card to rent a vehicle from XXXX XXXX  XXXX. On XXXX XXXX upon going to pick up my rental I was informed there was no reservation and that a scam had been going on with several people coming in with gift cards/prepaid cards to purchase rentals. However I preceded to contact American Express to inform them that I had been scammed. Upon the first contact on XX/XX/XXXX about XXXX XXXX  I was told by the first customer service representative that I needed to call the merchant and was given theses merchant ID numbers XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX that XXXX had been pending charge and another for {$10.00}. I ask how to contact to find out who used or where the purchase was made she informed me I have to XXXX. Upon doing so I only got a XXXX writing so I proceeded to call back. I was told by the second representative that the account was put on hold that nothing would be done unless I reach the merchant to return the money because they couldnt do anything so to card agreement which I didnt understand if they were both saying my account was on hold why wasnt it that they could not stop/cancel the card completely because its a scam. She stated madam you will have to contact the merchant. I proceeded to do my own research and again no success so I call again American Express and spoke with XXXX who gave me the name of merchant XXXX XXXX transaction {$100.00} XXXX, {$190.00} XXXX and XXXX  which I research and its an app they purchase {$10.00}. After doing research and calling the XXXX company at XXXX no answer the whole Sunday but on Monday the XXXX I called it say my caller id could not go through not sure that meant so I later tried XXXX at XXXX I was told on recorded line due to high call volume that but call may not be accepted so I found an email tried contacting them that way was told it could not be sent. Well I waited just sent another asking they had a customer service number and later was responded but I cant speak a person this was after I attempted to call American Express talking to a supervisor who kept apologizing saying sorry Mrs XXXX because of the card agreement we can not refund your money there is nothing we can do you have to contact the merchant I kept explaining to her it was a scam and no merchant is taking my calls I have been blocked from the XXXX and XXXX number which gives an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have enclosed all documents I have of my contacts and Im unsure if I should continue with XXXX  because Im unsure whats real and what not when I have already lost XXXX due to trying rent a car that had the actual XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I was affected by XXXX  I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021  due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX  affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE! 
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of 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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
FTC filed Macy departments account is no obligation of mines and was the result of identity theft. Macy refusal to remove this fraudulent account violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Help, please. 
Trans Union credit report bureau, as of XXXX, reporting that I have delinquent and derogatory accounts and, therefore, have lowered my credit score.

I do not have any delinquent and derogatory accounts. I repeat, I do not have any delinquent and derogatory accounts.

All my accounts are up to date. I do not know the problem with the Trans Union credit report bureau company and why they are reporting false information about me. 

I want the company to provide me with all the delinquent and derogatory accounts that they claim I have as soon as possible.

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a refinance quote from Chase Bank and was offered a loan estimate for a 2.625 % rate on XX/XX/2021. After reviewing the loan estimate I agreed to it and paid a deposit of {$500.00}. Chase then scheduled the appraisal which was shown as {$760.00} on the estimate under section B. Services You Can not Shop For. The loan officer was XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX After the appraisal was done I was issued a revised loan estimate and the appraisal fee had increased to {$1200.00}. I called on XX/XX/XXXX to question this and was told that the fee charged by the appraiser was higher than expected and since the cost they charged was based on the appraiser 's fee they were passing this cost on to me. 

I pointed out to them they can't change their estimate for items listed under the Services You Can not Shop For section once I've agreed to it and paid the deposit. I pointed them at the page on CFPB 's web site XXXX https : XXXX ) which explains this. The increased fee meant their quote was no longer competitive with other quotes I had and I informed them that I would not agree to proceed unless they removed the increase. 

I was told removing the increase needed higher approval and they would get back to me within 24 hours to let me know if they could do that. Late afternoon on XX/XX/XXXX XXXX XXXX days later ) I was contacted by XXXX. He explained that he was still waiting on approval to remove the additional charge and offered me the choice of continuing to wait or closing the application and receiving a refund of the {$500.00} deposit I had paid. I chose the latter and he indicated I should see the refund within five business days. 

As of Friday XX/XX/XXXX I had not received any refund nor had the application been cancelled, as it is still active on the website. I called XXXX and left a message to follow up and as of today XX/XX/XXXX I have not heard from anyone, nor have I received any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The furnisher credit card company ( " Macy 's American Express '' or " AMEX/XXXX '' or " Macy 's '' ) reported my account as 30 days and 60 days late in XX/XX/XXXX and XX/XX/XXXX, respectively. 

As of XX/XX/XXXX, I was out of state to quarantine and billing statements were not received. On our around XX/XX/XXXX XXXX 's contacted me regarding the late payments and I immediately brought the account current by making an automated clearing house payment to Macy 's via telephone and, despite having been partially laid off due to the pandemic and informing Macy 's of this fact, during the same telephone call entered into a statutory accommodation pursuant to the CARES Act amendments to the FCRA -- a payment plan of {$200.00} per month over 36 months, and closing the account in exchange for a lower interest rate. Macy 's agreed to report the delinquent amounts for the months of XX/XX/XXXX and XX/XX/XXXX as current, but instead reported the account as 30 and 60 days past due, respectively.

I did not receive written confirmation of the terms of the accommodation with Macy 's. While my XX/XX/XXXX account statement notes that my " account is enrolled in a payment program, '' there are absolutely no details as to the terms of such program.

Fifteen months after the accommodation, the account is nearly paid in full, with only {$860.00} out of the initial {$7300.00} outstanding to-date. 

I have made attempts to correct the reporting error with both the furnisher and the credit reporting bureaus, without success. By letter dated XX/XX/XXXX, Macy 's notified me that my request to correct the information on my credit report was denied.

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received pre-approved letter for auto financing from CapitalOne. Im this letter that state I would have a limit ranging from {$4000.00} to {$35000.00}. Pursuant To Title 12 U.S. Code 84 banks and financial institutions that are part of the XXXX XXXX  XXXX has not LIMITS ON EXTENSION OF CREDIT BASED OFF OF SOME ONE SURPLUS OR CAPITAL. CapitalOne is also advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

My income pay stub and capital/surplus is not a factor is this Consumer Credit Transaction. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I called Adastra Recovery Services Inc and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Name : OPORTUN/PROGRESO FINAN Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
BB & T Banking and Trust Company This bank keeps sending me collection notices, on accounts that are not mine.

They are threatening to send negative collection data, about me, to " XXXX  '' ( whom I have never heard of ), when I don't even know who this Bank is, or how they could claim to know me. 

The fraudulent accounts are : ACCT # XXXX {$790.00} ACCT # XXXX {$280.00}

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I have disputed this account with NATIONAL CREDIT AUDIT CO many times and I have never heard from them! NATIONAL CREDIT AUDIT CO is flagrantly violating the FDCPA! I am entitled to documentation of debt, 30 days from the date of the request, or it is not properly validated. Since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The FDCPA and FCRA are quite clear, I am entitled to the same information that the credit bureaus are!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Zales COMENITY BANK CREDIT CARD OFFERS A DEFERRED INTEREST WITH NO INTEREST IF PAID IN FULL. ZALES DELIBERATELY PAYS DOWN ON THE VARIOUS PURCHASE IN THE ORDER OF THEIR CHOOSING AS WELL AS THE AMOUNT. THE CHARGE FULL INTEREST ON TOTAL PURCHASE FOR BALANCES NOT PAID. EX. I PURCHASE XXXX RING I PAY DOWN {$600.00} AND HAVE A XXXX BALANCE THE CHARGE 29 % INTEREST ON THE TOTAL PURCHASE {$160.00}. THIS IS ABUSIVE. IF I AM MAKING TIMELY PAYMENT I SHOULD BE ABLE TO CHOSE WICH PRINCIPLE BALANCES I WANT TO PAY AND THE AMOUNT FOR EACH ONE. IF MY BALANCE IS XXXX AT THE END OF THE PROMOTION THEN I SHOULD ONLY BE REQUIRED TO PAY THE BALANCE FOR THE XXXX. NOW THAT THEY HAVE CHARGED ME THE INTEREST FOR THAT 1ST PURCHASE THEY DID NOT APPLY MY PAYMENT TO THE OTHER TWO PURCHASES AND DID NOT GIVE ME THE OPTION TO PAY IT FIRST. FOR EXAMPLE LAST PURCHASE {$60.00}. COULD HAVE BEEN PAID IMMEDIATELY UPON MY FIRST PAYMENT. THEY PREVENT US FROM DECIDING WHAT I WANT MY PAYMENT TO APPLY TO FOR THEIR SELF INTRUST!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/XXXX I received letter that my IDR was approved - this letter was postmarked XX/XX/XXXX and received by me on XX/XX/XXXX. The letter stated I would be receiving payment information under separate cover. I received NO PAYMENT INVOICE/BILLING until yesterday, XX/XX/XXXX ( postmarked XX/XX/XXXX ) now stating my bill was past due and a late fee had been applied and I owed 2 months payment On XX/XX/XXXX I received a call at XXXX XXXX  from phone number XXXX no caller identification with a voice mail from XXXX saying it was Navient about a past due bill and to call XXXX. 
At XXXX I called XXXX and told the person ( XXXX  ) that I was returning the call to XXXX XXXX XXXX  would not connect me with XXXX but instead wanted all my information. The first thing XXXX  wanted to do was put me in forbearance which I had not asked for or even discussed. I again asked XXXX  to transfer me to XXXX - which she did not do. I asked XXXX  why I was getting a call for a past due bill as I had never received an original invoice at my address. She also pressed me to obtain my email which I did not want to do, sign up with Navient online-which I did not want to do, take a payment over the phone ( I informed XXXX  that until I had a correct invoice indicating the amount due I could not make that payment ). 
I told XXXX  that I was not late due to Navient not sending me an invoice/bill in a timely manner. What seems to be happening is that NAVIENT is sending out invoices that the borrower receives AFTER the payment due date - which should be addressed by the CFPB. 
Finally, after trying to pry information from XXXX  - she came up with changing the payment date. I am requesting that a corrected invoice/bill be sent to me immediately in a timely manner to allow enough time to submit payment. I want any late charges documented as removed. 
That a borrower has to pry information out of NAVIENT is reprehensible instead of Navient offering different solutions that are a benefit to the borrower. 
I DO NOT WANT NAVIENT CONTACTING ME BY EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: CA

Complaint narrative:
Bank of America has been reporting an credit account on my credit since XX/XX/XXXX. They charged off the card as of XX/XX/XXXX. But they have a mix up with me and my grandfather, and the only reason i know this, is because XXXX  verified the address and its my grandfather 's address. They claim to have my social through according to XXXX  but with different information, such address and dob. I reached out to bank of america on XX/XX/XXXX which i sent via Priority mail express so i can verify who received it. They have decided not to respond to my verification letter and continue to report to the credit bureau. 
The Same thing happened with 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Late Payment for Capital One on XX/XX/2020 Capital One Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my Capital One XXXX  Card. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise

Company response to consumer: Closed with monetary relief