vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I was charged on my American Express card by XXXX XXXX in the disputed amount of {$14000.00} from 5 separate charges from XX/XX/2017. I was building a new home. The home is completed. There has been an ongoing dispute with American Express since XX/XX/2017. I am being charged for items I never recieved and for damaged wood that I refused to use. The damaged wood was suppose to be picked up by XXXX XXXX and credited back to my account. Although, XXXX XXXX scheduled a pick up for the return, they never showed up. The damaged wood was paid via a check from my personal account. The other items were never recieved. I have asked time and time again for proof of delivery, a signature of anyone working at the site of my new home to no avail.

American Express asked me to contact XXXX XXXX directly which I did from the onset of this problem. In addition I called the person who represents XXXX XXXX XXXX  credit disputes and left her a message ( I could never get a hold of her directly, I even tried today ) she returned my call and left a message on my cell phone stating " she did not understand my calling as there was no open case for me. XXXX XXXX   had been paid in fill by AMEX in XX/XX/2017 ''. Of course this left me no leverage. I called AmEX and they reopened the case again and again and again. I simply asked for proof of delivery which XXXX XXXX can not provide as they never delivered additional products nor did they pick up the wood for return. XXXX XXXX never returned to my job site after their first few deliveries. American Express has accepted mere notes as proof that XXXX XXXX should be paid instead of actual signatures of proof of delivery. I have provided pictures of the damaged wood that caused us to cease using XXXX XXXX material. I have also attached a canceled picture of my {$10000.00} check. American Express has now sent me a letter telling me that they reserve the right to cancel my AmEx and it will never be reinstated! XXXX XXXX has many reviews stating the same problem I have from other clients. They should not be able to get away with fraudulent charges. American Express should not be able to pay on my behalf without proof of delivery. American Express should not be able to threaten me with cancelation of my card. American Express was made aware of the situation immediately and still choose to pay XXXX XXXX at my expense. Again XXXX XXXX has a reputation for billing without sending material. Just investigate online reviews.

Shame on both this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a multitude of errors on my report ranging from items reporting that appear to be someone else 's information, i.e bankruptcies, to items I believe are outright fraud. I have attempted to fix these errors in XX/XX/2016 but did not follow up as diligently as I should. Therefore, there are several items that still remain and some new items that have have appeared. I receive mail at my current resident often with names that are similar to mine but misspelled. I am not sure how this is related except for the fact that my credit report is entirely inaccurate. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: CA

Complaint narrative:
I subscribed to a movie subscription XXXX on XX/XX/2019 and merchant document noted subscription immediate. As of XXXX, XXXX after repeated e-mails to the merchant I notified Chase to dispute the {$110.00} since my subscription was not activated. On this date, XXXX, XXXX Chase gave a temporary credit. 

I have paperless billing and did not get an e-mail or paper document in the US Mail about request for additional documents. Chase sent a Notice to my INBOX for request for additional information. Since a response was not sent on XX/XX/XXXX, Chase considered the disputed charge valid and recharged me the full {$110.00}. After multiple calls Chase gave a partial credit of {$100.00} as a " courtesy ''. As of today XXXX is 'Out Of Business '' and I am requesting a FULL refund. XXXX notified Chase that the subscription was 'Active ''. On XXXX I personally went into the branch to submit documents to dispute the charge ( per Chase Dispute dept. ) to XXXX XXXX ( XXXX ), Banker that committed to faxes the documents to Chase Dispute Dept. The document stated ( 1 ) e-mail to XXXX about cancelling the service since they subscription was not activated ( 2 )  XXXX e-mail notifying me that they blocked my service since I disputed the charge. Chase did not receive the document that their own employee agree to forward to their dispute Dept. Their supervisor XXXX XXXX in the Dispute Dept. stressed that I will not receive any credit and was aware that I would submit a dispute with CFPB. 

Please post for other consumers since Chase business practice needs to be reviewed. 
( 1 ) If you have Paperless billing, it is the Consumer 's responsibility to check documents on the Chase website for notification. 
( 2 ) Chargeback does not appear as a regular line item the day the charge was posted on your account. Consumer do not see it but on the original posting ( 3 ) Documents dropped off at the branch has no impact and Chase does not take responsible though the consumer follows their instruction ( 4 ) Chase transfers and keeps you on hold to assume the consumer will drop off the call out of sure frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an auto loan with capital one auto finance with a paid in full on XX/XX/2019. In mid XXXX I received a check from capital one auto finance for all the payment of {$340.00}. On XX/XX/2019 Capital One reported me to the credit bureau as being delinquent I called them and they said they was going to try to fix it and put in a dispute. Now on XX/XX/XXXX they reported me again as delinquent which is unfair my credit score dropped 20 points because Capital One Auto finance keep reporting me  to the credit bureau after I paid my car off and I even receive an overpayment checks from them they should not be reporting me every month As being delinquent which I was never late Plus I paid off my loan on XX/XX/XXXX in full. I need help disputing this matter to get my credit score back up thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a Promotional balance transfer offer from the card issuer. I took advantage of this and requested a balance transfer of {$23000.00} that was processed on XX/XX/2019. The card issuer mailed a check in the amount of {$23000.00} to the receiving bank. Since the receiving bank did not receive the check until XX/XX/XXXX, I called the card issuer and requested a stop payment on the check ; however the check was received by the receiving bank and cleared my account. I confirmed with my receiving back and then called the card issuer and informed them that they may cancel my request for stop payment since the check was received and posted. However, the card issuer classified my stop payment request as " Provisional Credit '' and then my cancellation of stop payment request as " Provisional Credit Reversal '', both on XX/XX/2019. Then, they re-classified the original balance transfer check of {$23000.00} that went through as " Charge Adjustment '', which is now being subjected to the interest rate for revolving balance. While in fact it should have been subject to the promotional rate of 0 % that I was offered and took advantage of. My account has been in good standing and I never missed any payments. 

On XX/XX/XXXX, I noticed a finance charge was imposed on my account and after repeated calls to the customer service, I was able to get the charge waived off on XX/XX/XXXX. Many customer service agents have assured me that this is a mistake on part of the card issuer, and they will fix it. But still, I was again charged a finance charge on XX/XX/XXXX. I again called the customer service, and they assured me they will fix it. But until now nothing has happened. The card issuer is not following proper business practices - they are offering promotional offers and when we take advantage of these offers, they are trying other methods to impose finance charges. Please escalate this and correct this situation. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " XXXX XXXX XXXX XXXX. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I called Trans Union LLC on XX/XX/2019 to request their company remove 13 inquiries that were re-inserted to my report by their company. I called them to inform them of their error, but they unfortunately refused to help me resolve this issue despite the fact that this error originated with their company.

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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have contacted this company several times about 2 accounts for XXXX XXXX. I have 3 accounts on my credit report. The 1 that is actually mine has been paid off. These two that were bought by Portfolio Recovery, LLC. The balances are {$450.00} and {$420.00}. I asked wrote this company over 4 times requesting specific validation of the debt, including signed contracts. The only thing that I was sent was a billing statement for the account with the {$450.00} balance. I have called and requested validation and was told that information could not be sent out because debt is too old to dispute. I was told that if I did not submit a settlement offer they would notify my employer. And I paid they would remove information from my credit reports. I submitted an offer and they denied it as well. I have tried everything possible to dispute the debt and have it removed. I have only had 1 XXXX XXXX account but Portfolio Recovery will not assist with validation or removing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
Sirs, I have a HELOC account with ThirdFederal Savings & Loan. I have setup monthly payment thru signed documents for the regular and specific principle payments. This should satisfy the regular payment obligations with this loan account. 

Every time I make any additional payments online [ thru ThirdFederal site ], I choose the option for applying the additional payment amount towards PRINCIPLE ONLY [ Two options are there - Regular or Principle ]. However, every such additional payments are being processed in such a way that part of the amount is taken to Regular/Interest payment First and what is left is considered towards Principle. Contacted ThirdFederal on this and I was told that there is disclaimer at the online payment screen indicating this process and what they do is legal. 

Could you please help me with the following : 1. Is it legal to disregard Principle only payment instructions and use the money in a way consumer did not request for?

2. Who can help to get this process changed so that Principle only payments and Regular payment options are treated the way consumer is requesting. 

Thanks Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: The CBE Group, Inc.
State: MD

Complaint narrative:
I received a collection letter from CBE GROUP , INC dated XX/XX/XXXX stating they are collecting as an agent off XXXX XXXX , XXXX in the amount of {$5500.00}. I was able to answer one of the many calls made by CBE on XX/XX/XXXX and spoke to XXXX, who insisted that I verify his information but I told him to send it in the mail. I also told him that after CBE GROUP first call there, should have been something sent in writing. 

Affiant do not now and have never had any business, written, expressed, alleged or implied, with CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX and does not, in any manner agree to contract with, re-age, renew, or revive any alleged contracts or agreements upon which CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX may incorrectly claim, allege or presume exists I owe. Affiant 's records  show that CBE First Contact occurred XX/XX/XXXX ( " First Contact '' ) by a robodialed, automated telephone call to a telephone number listed in the name of the Trust. Affiant 's records show that since First Contact, CBE, did, in willful violation of the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) and before mailing collection letter within five days of First Contact, call a telephone number listed in the name of the Trust 15 times. Records show that CBE, being without any lawful permissible purpose did, in willful violation of the FAIR CREDIT REPORTING ACT ( " FCRA '' ) governing permissible purposes, did, before or on XX/XX/XXXX request and obtain from XXXX, XXXX unlawful access in the consumer credit report of the Trust. 

On XX/XX/XXXX, an affidavit was mailed USPS Certified Mail to CBE GROUP, INC and received but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Please remove the collection of my credit reporting agencies XXXX, XXXX, and XXXX for the {$46.00} amount, its already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX and Transunion refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX  Account Number 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 2019-06-07 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian and XXXX refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX Account Number 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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
California Bank & Trust, I dispute amount in XX/XX/2019 in /XXXX  /XXXX  /XXXX regarding over charging me for something I already paid for, XXXX XXXX XXXX   company took amounts from me twice, underline threats was made to me by the ticket agents, that long delays will happen if try to dispute the second amounts that was taken from account under direst, the company threaten long delays such as 12 hours. I put in a dispute with my bank ASAP when I left XXXX XXXX XXXX, the Amount over {$300.00}, I am XXXX and receive SSI once month on the first of every month, because of this extra transaction I ran out of money and had to get help returning home to XXXX XXXX California, I went to California Bank & Trust many of times since returning in XX/XX/2019, always given the cold shoulder by the employees at the branch where I open my account, Downtown XXXX XXXX, my atm card have been block every since, can't purchases any products by atm have go to the atm machine to retrieve the money to pay, I am over this it's been over a month now, will close account when California Bank & Trust credit my account I disputed ASAP, I have had other accounts with other banks every time disputed any amount my account was credited immediately. 

Thank You, 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 2019-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I pulled my XXXX, XXXX and XXXX   credit reports and I noticed a collection that I was not privy to having. I immediately typed up and signed a letter and sent it to NCB Management Services , Inc. requesting that they send me a validation letter that included a breakdown of the debt that they are stating that I owe, I aslo attached a copy of my Driver 's License and Social Security Card. I requested that they send me : What the money they said I owe was for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that showed I agreed to pay what they said I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with their license numbers and Registered Agent or Agent of Service : According to the Fair Credit Reporting Act I am well within my limits to request validation from them, I did not receive a response. On XX/XX/2019 I sent NCB Management Services, Inc a 2nd letter requesting validation. On XX/XX/2019 I received a letter from them stating that " after conducting an investigation, we have been unable to substantiate the allegations in your dispute ''. 

According to the Fair Credit Reporting Act, NCB Management Services , Inc. are required to send me proper validation that I owe the debt that they are stating that I owe and as of yet I have not received anything of that nature and I am looking into pursuing legal action towards them. So today, which is XX/XX/2019 I am sending yet another letter which will be my THIRD letter asking them to validate the debt that they are stating I owe!!!!! 

It is unfair that a collection agency is reporting that I owe a debt to the 3 credit reporting agencies and I am not aware of the debt but they will not take the time to send me proper validation. This collection is drastically hurting my credit and limiting me from buying a house, apply for credit and providing a stable living situation for my children.

Company response to consumer: Closed with explanation