vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I purchased a flight on XXXX for XXXX The flight was a XXXX XXXX flight The flight was continuously changing then was cancelled due to covid by XXXX XXXX I called XXXX to process the refund, I received an email that I was given flight credit and that if they cant honor the flight credit that Im eligible for refund I called XXXX XXXX on XX/XX/XXXX to book a flight using the credit. They advised me the credit was not eligible and that the flight can not be booked unless I pay full price I called XXXX who contacted XXXX XXXX to process the refund. They hung up the phone so I disputed the charge with chime. After 6 months and providing documentation chime still has not returned the flight costs or the baggage fees I was charged twice for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased XXXX through my CashApp account and mistakenly transferred it to their account directly ( $ cashapp ). I've been trying to get support to help me retrieve the funds, but have been going in circles with phone, app and email support. Surely there's something they can do since it was sent to them. If I had mistakenly sent it to a random I would understand they can't help, but this money went to them directly..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
To Whom It May Concern May I please request your help. I VOLUNTARILY surrendered a vehicle leased by Regional Acceptance Corporation. When I negotiated the surrender of the vehicle, I did so based on many conversations with the company. The car in the first place was sold to be by an illegitimate dealership that was shut down by the City of XXXX  XXXX WI, for illegal actions. Furthermore the vehicle started to break down constantly and was costing me thousands of dollars for major maintenance. I finally turned in the car with the understanding that the car was voluntarily surrendered and that after auction of the vehicle I would be able to arrange a payment structure with Regional Acceptance Corporation, to not have my personal credit damaged. None of what I was promised has come to be of help. The car was sold with an outstanding balance of {$12000.00} I have tried to make contact with the company to set up payment arrangements. I have spent hours calling and being sent from department to department, to no avail. I have left messages and no one returns a telephone call. Now I have been alerted by all three credit bureaus that the company has reported me as an INVOLUNTARY SURRENDER and a CHARGE-OFF. This along with 120+ days of late payments has destroyed my credit.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I took advantage of the zero apr on purchases on my city premier credit card. Ive always paid way above the minimum payment. Generally I would pay around {$1000.00} a month. I was charged a {$95.00} annual fee and was charged interest on that fee Even though I paid off XXXX se

nd a minimum payment plus the annual fee. My next issue is that when my end of term for the 0 % APR offer arrived, I call Citibank and spoke to a representative and she gave me the exact amount that I need to pay to prevent being charged any interest. I paid that amount which was my current balance. Now I see that there is an interest charge on my account. I normally never take advantage of credit card offers as Im scared of them taking advantage of a consumer. Now I see that is indeed true. Its unethical and plain wrong to have these hidden terms and fees being charged to a consumer that did his due diligence to prevent fees.

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 2021-08-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
XXXXan email came to me demanding I pay {$3900.00} and this is absurd. I do not owe this and I've been working on my credit for 5 years and this is not mine nor do I owe this to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MT

Complaint narrative:
I was going through the process of having a background check done for a new job. The company responsible ( First Advantage Background Services Corp ) found a case involving ARMED CAR JACKING and one involving ARMED ROBBERY committed in XXXX XXXX XXXX COUNTY, MS in 2017. However, I never committed these crimes nor have I ever even lived in or visited XXXX County, MS . Despite the fact that they have my Social security #, Birthdate, and the entirety of my residency history for the past 8 years they still somehow connected me with these crimes and put it on the report sent to my employers. After I found out about this through email I contacted the company via phone and once I had verified my account the representative I spoke to said the only way to resolve this was to dispute the information through the company. Then said he would start that process with their dispute department after verbally verifying that I disputed the inaccurate information. Finally he asked me to verify some physical characteristics and then gave me an email address to send pictures of my drivers license too. I do not feel comfortable doing that seeing as they can not even handle a simple background check correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony has closed my account that was up to date which in turn stop my website usage so I cant log in to pay the account they closed. Ive made calls to ask the reopen my login information so that I may pay the bill and each time the customer service representative was rude and now they keep reporting that my payments are late. My account was closed in XX/XX/2021 and Ive called twice a month trying to get this resolved.

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 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I was on a Covid 19 forebearance program for my mortgage starting in XX/XX/XXXX. Basically, over the phone I was told that my principal payments would be deferred, and added to my loan term, therefore extending the life of the loan. During such time, interest and any payments made on my behalf would also be included. I agreed, as it was fair and how many other relief programs were structured at the time. As the months went by, I realized that I could not afford to keep my house due to disability/Covid issues. So I put my house on the market and sold it. Today, at closing ( XX/XX/XXXX ) I discover that Pennymac had received a claim from XXXX for the principle missed during my forbearance period, and now they ( XXXX ) had a lien on the property. At no time under this program, did I understand this to be how it was to be administered. And it certainly wasn't explained to me that way over the phone. Again, I was told that my PRINCIPAL payments would be deferred, and added to the end of my loan term. All interest and other payments were accruing daily, and was understood. When I called Pennymac after this was discovered at closing, I was told that somehow that I agreed to this. Apparently, the wordy paperwork that they sent for me to sign and filled with legalese, had something completely different than the phone call embedded within. Pennymac was made whole by this insurance payment from XXXX, but I did not agree to such an arrangement. Not to mention the assistance provided to them by the Federal government. I did not pull the notion of my payments being added to the end of my loan out of thin air. It is, in fact, what I was told by the Pennymac representative over the phone. And if they record those calls like they say that they do, you will be able to find that out fairly quickly. In conclusion, the total sum subtracted from my closing statement far exceeds the payments and escrow I have missed during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
I hope you can help with a matter I am having with Experian. I have been trying to some issues solve on my credit report and XXXX  and XXXX  have already updated and fix the issues for some reason Experian does not want to do their job. 

In XX/XX/XXXX I file disputes with Experian on XXXX XXXX that it was paid as agreed. 
XXXX XXXX that I was never late on this account XXXX XXXX XXXX which is my Mortgage company they are showing a late payment I have never been late on my mortgage this was in error on their part and needs to fix.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received a text fraud alert on my chase credit card. Clicked the link in the text and provided personal info to include SS # and DOB. 

Later called Chase and they said there was nothing happening on my credit card. 

Heres the text message CHASE-ALERT : we have temporarily locked your chase account, visit at XXXX XXXX XXXXXXXX to recover Mobile # attached to this text was XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/21 I was on XXXX website to purchase plane tickets. At checkout I was offered to apply for the credit card. With the card came a statement credit plus bonus points. Also it would be 6x the points so I agreed and filled out for the card. It was approved. I was supposed to be redirected back to checkout where the card information would be inputted in the spot to pay. That didnt happen. I called customer service. They said they could not give me my card number but said not to worry about it. Pay for it now with a other card and when I get my new card they will switch it over. They said they do it all the time, no problem. That day came and they denied it saying they could not do it because I paid with points. It did not say that anywhere and I tried not to pay with points seeing it was only {$20.00} but their website was such a mess i could hardly get through to put my order in.

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 2021-08-06 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:
The claim by American Express ( cut and pasted from their site ) : Earn Membership Rewards Points 4X Membership Rewards points at restaurants worldwide 4X Membership Rewards points at US supermarkets, on up to {$25000.00} per calendar year in purchases I have had American Express cards that have charged annual fees ranging from $ XXXX/year. Being a 'reputed ' brand like American Express I have assumed that I do not have to monitor and ensure that all my rewards are being awarded to me rightfully. I recently found out by chance that a restaurant purchase had not received the 4X points. As I started to review my statement, I began to find NUMEROUS instances of this. I informed Amex about this, and over the next hour I went over every charge over the past few months and provided the agent a ) Restaurant names, 2 ) Dates and 3 ) Amounts of each of those transactions. Amex has informed me that I will be receiving the points for some of the transactions and that they are investigating the remainder of the charges that I have brought to their attention. This is a systemic problem and not one that has only occurred for the last billing cycle or two. Rather than offering a meaningful resolution to the issue. I have been informed that if I want all my rightful points, it will be my responsibility to scour the 1000 's of transactions I have made over the years, identify the charges that have not got the required rewards, make note of every one of them, and present it to Amex so they can then investigate each of the charges. Doing random audits of statements over time indicate multiple infractions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested a debt validation letter from XXXX XXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it.

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 2021-08-06 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: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/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 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted XXXX XXXX and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if XXXX XXXX has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
To Whom It May Concern, May I please request you help. I borrowed through an installment loan company known as CHECK N GO, {$5000.00} I have now paid the company ( 7 ) payments that all were applied to their high interest totaling {$3500.00}. I contacted the local office located in XXXX  XXXX WI and the pay-off amount is another {$5000.00} ( + ) to end the loan! I have contacted customer support for this company asking for their assistance in accepting a hardship pay-off. They have told me to date I have another ( 14 ) more payments due and the only way to end this loan early is to let the loan go into a 90 day old late status. The loan then is moved from the local store to the corporate office for collection status. I contacted all three credit bureaus and the company is consistently reporting the balance late, therefore destroying my credit. This should be considered illegal banking practices and this company along with others should be closed. It is pure thievery. All i am asking is to pay-off the loan for a reasonable sum in one solid payment. To be made to wait 90 days for my credit to be destroyed makes no sense. I have acted honorably I would ask this company the same. The local office is of no help they will not consider a lesser amount to close the loan, threatening higher interest daily. This seems so unethical in todays checks and balances world. This loan is seven months old. All I ask is for the company to reevaluate the loan and offer a settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
Receivable Management Services, LLC located at XXXX XXXX XXXX, XXXX, MN XXXX is attempting to collect a debt on behalf of a foreign creditor XXXX  in the amount of {$530.00} for purported services rendered by XXXX, an online publishing company. The debt being collected spans a period from XX/XX/XXXX through XX/XX/XXXX. 

XXXX is a foreign company registered in XXXX. I utilized the services while I was a resident of XXXX and XXXX. However, my use of the services was for a short period of time during a free trial period, after which I canceled the service and ceased using it in early XXXX. 

XXXX products are a fee-for-service offering. I never executed any kind of fixed-term or revolving contract or agreement that wound bind me or make me liable for payment beyond the date of which I canceled my account. Furthermore, I've never engaged in any activity, to include seeking or entering into any contract or agreement or receipt of any extension of financial credit, with XXXX 

I dispute this debt in its entirety, and deem this to be a fraudulent collection attempt.

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