vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an Amex credit card REF : XXXX and application was denied " Based on your credit report, you have cancelled too many bank card accounts recently. '' This was reported by XXXX, when I called back Amex they would not allow for a manual review of my application by a human stating that's their policy with initial denial. I inquired what time range did they look for with term 'recently ' given I've closed 2 card accounts in total in past 2 years ( One of which was open since XXXX and closed in XXXX, another was opened in XXXX and closed in XXXX ). I could not get a clear answer, and I pointed out that's the reason I'm requesting a human to review my credit worthiness based on full report and history and was denied again. I have a credit score of 800+ and applied for a low end American Express card as my brother had referred me and he'd have gotten a referral bonus. I have not had any Amex cards on history in past 10+ years or history of denials. Amex failed to provide a clear explanation of what they mean by recent, I do have old credit cards I had closed in past but my average length of credit is years and 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed a XX/XX/2020 late reporting. I have had this account for a while and have yet to be late. I was very confused as I had made my payment online on time for that date. I always make my payments online and usually have no issue however, it looks like they never took out the payment? The funds where there, I had paid the bill online but they didn't process it and I get reprimanded for a mistake that I did not make? The payment was made on time and this late must be removed, this is not my error.

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 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I received a loan of {$450.00} and was told my payoff for the loan amount would be {$580.00} and there is no penalty for early payoff. I called in to pay off my balance of {$420.00} as indicated by my payment schedule but the representative told me the payoff would be {$550.00} instead. That would mean I would pay them a total of {$710.00} compared to my initial quote of {$580.00}. I have spoke to three different representatives and have requested a manager callback for help resolving this issue. It seems this company preys on those in tough situations so they can easily get people caught up in a never ending cycle that causes them to be in more debt than the emergency they needed to take the loan out for. Companies should aim to actually help people and not take advantage of their difficult circumstances by scamming them out of money they don't have or that is already difficult to come by. I believe this company does not have good intentions for their customers and they are finding ways to legally scam their clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing because error message not allowing me login access. XX/XX/2021 I emailed cash app support seeking help with a password reset. CashApp failed resolving my login issue. I know about technology. CashApp does not provide the level of customer service I am looking for. I specifically told the company about what my login issue was that my phone was stolen connected with number XXXX and that I am accessing my cashapp with number XXXX. CashApp gave impossible instructions stating " Scroll down and tap Sign Out ''. Why would CashApp tell me to update my phone number on my account when the very reason I contacted their customer service was because I could not log in? This unacceptable technical support is frustrating my plans because I need my money added immediately! I live on skid row DTLA. I get {$100.00} a month from California General Relief " GR ''. I can't afford paying the bank fee on a checking account with XXXX XXXX because of XXXX capitalism in XXXX " economic genocide ''. I am poor financially because of my XXXX XXXX. Four times I reached out to cashapp. I have attached three email attempts that specifically stated the login issue. my failure conversation phone call was with XXXX from XXXX XXXX competed my efforts of resolving my login issue directly with CashApp. XXXX stated that if I dont create a new account then their is nothing that can be done on their in regarding recovering my login. I explained that already new accounts have been created and that is not what I want to do every time I have trouble logging in and that I disagree that the only solution is creating a new account. Further CashApp should not be in business if they can not support the existing customers they have. I specifically stated my account recovery on my app and website was asking to verify the credit card connected with number XXXX stating " please verify card ending in XXXX '', I emailed customer service stating that my phone number XXXX activated with a Mastercard ending in XXXX via email and telephone I asked CashApp why their system would ask me to verify an old credit card on file that is not active? Cashapp 's phone support couldn't answer and agreed that was strange however provided no solutions. CashApps system does not provide specific internal error code messages that would help their phone IT support know which field of information is triggering a lockout on their end. I then began demanding to speak with a developer regarding their technology and account login lock out. Supervisor XXXX disconnected my phone call because I refused her advice of creating a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I ordered {$900.00} worth of products from Saks Fifth Avenue to be delivered to my home where I have been working for the past year. I have been saving this amount since XX/XX/XXXX so that I could splurge and treat my ravaged complexion [ I am XXXX XXXX XXXX ] to the products I ordered. I received an email from Saks that I would receive delivery of my order on Sunday, XX/XX/XXXX at which time I was working on my laptop at the window that looks down at the street and the entrance to my house. I rent an apartment in a brownstone there are two other apartments in the main part of the building. On XX/XX/XXXX, I believe that I was the only one in the main part of the house. I am not sure whether anyone was home in the garden apartment. I looked out the window every so often to see if the XXXX delivery person was approaching the house no. When I received an email that the package was delivered, I again looked out the window and saw no delivery truck or person. Nobody rang my bell. I ran downstairs and there was no package in sight and in looking up and down the street, no delivery person or truck in sight. I immediately called the customer service line at Saks and spoke to several people about my not having received delivery. I was told that they would investigate the matter and would contact me. 

I subsequently received a letter dated XX/XX/XXXX with the Saks Fifth Avenue logo at the top left-hand side of the page and signed by Capital One Card Services, Customer Service Department stating that they would investigate the matter and let me know the results. 

I then received a letter dated XX/XX/XXXX that had the Saks Fifth Avenue logo on the top right side of the stationery and Capital One printed on the bottom left side of the page. The letter said that they determined that the package had been delivered. They enclosed with their letter the travel history of the package, a notice that no signature was required and that they therefore determined that delivery was made and that I have to pay {$900.00} with nothing to show for it. 

I subsequently called the customer service line again and spoke to a Ms. XXXX who transferred me to a Mr. XXXX who transferred me to a Ms. XXXX who transferred me to a Ms. XXXX. Ms. XXXX said that I would receive a credit and gave me a case number. To date, I have heard nothing further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I paid the debt and the debt collector would not provide the paid documents. demanded money for attorneys fees and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Spoke with ShellPoint Sent letter to be updated regarding ownership of property NOT beneficiary which is what Shell Point Servicing Ownership Taxes Need letter for verification/finance purposes

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
CRA :XX/XX/XXXX Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : OneMain Financial Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called XX/XX/XXXX Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " OneMain '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back XX/XX/XXXX again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/XXXX PNC Auto loan opened. 

The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
To CFPB : In XXXX of XXXX, I saw on my credit report, that on XX/XX/XXXX, a company credit card account ( XXXX/Atls/Fortiva ) was opened. I have no name or address of who opened the account. The credit card has a {$4000.00} limit with a {$3400.00} balance. I called Fortiva to dispute the opening of the credit card account and the charge. I asked that the account be frozen so that it could no longer be used. Fortiva sent me the forms to dispute the case and also a form to file a police report. Along with the forms, I was asked to send a copy of my ID to prove that I live in Ohio, ( The business transaction took place in XXXX XXXX, Mo. ) After every thing was filled out and mailed, I called Fortiva several time to ask the status or progress of the case. Every call, at least 10 in the 2 month endeavor, I was told that with the information turned in, that the problem would be resolved. Well, today, XX/XX/XXXX, I saw an alert on my credit report that shows the Fortiva charge hadnt been resolved! I called the three credit bureaus to make my complaint. All three told me that the dispute was never turned in! After following through with all that Fortiva said that needed to be done, Fortiva did absolutely nothing to resolve the case! You will see the account is still open and bringing down my score! 

Thank you for looking in to this! 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , Ohio XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Good Evening, I would like to file a complaint against Chrysler Capital. I obtained an auto loan from them in XXXX of XXXX. The terms are 60 months at 18 % with a monthly payment of {$310.00}. According to my account statements, I've paid them over {$9300.00} since the beginning of my loan and my principal has only reduced by {$840.00}. I borrowed {$13000.00} and my payoff is currently {$12000.00} through XX/XX/XXXX. I did miss a few payments and my loan was deferred for a few months due to Covid-19, But this doesn't add up. I've contacted Chrysler Capital several times and they keep stating that the payoff amount is correct. I'm looking for any assistance you may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX  XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6.XXXX- XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
on XXXX : XX/XX/XXXX IQ on the data responded to a dispute. in their letter they stated " We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$2700.00} owed to our client, Icon on the XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the address that you submitted with this complaint which was not mail-returned and deemed received. " which is a violation under 15usc 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization., The original creditor is not IQ data Also they stated because i didn't respond to their letter they alleged sent out they proceeding to harrass and abuse through unfair debt collection practices by contacting me monlthy on my consumer report since XX/XX/XXXX under 15usc 1692 g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

IQ data also stated " Our office was unable to find any calls or written contact from you on your account since XXXX of XXXX '' failure to to produce a valid contract under 609 ( A ) ( 1 ) ( A ) Copies of copies are not valid the contract must be an original consumer contract with wet in signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from a Merchant ( Remitly ) that there is a transaction in my account with them. My ( XXXX XXXX XXXX ) debit card was stored in there that is why i opened my online banking right away and noticed 3 transaction pending. I called my bank right away to notify them of the event and they were able to cancel 3 transaction which i did not authorize. I have attached here proof that i called them on that same time transaction happened. I also called the merchant ( Remitly ) and they were aware. Remitly costumer service or XXXX from their costumer protection team confirmed that the transaction was an unauthorized transaction by me.He told me that bank will return my money and that bank will charge Remitly fort he refund, so it is going to be between them. On XX/XX/2021 i received an email from XXXX  XXXX XXXX that they are unable to pay my claim coz of the reasons they have. I will also attached the note received from them. I called their costumer service on that same day, they re open the case and escalated the case. I asked them if they can update me as soon as possible and costumer service from XXXX  XXXX XXXX call again in 3 days. On XX/XX/2021, I called costumer service of Remitly ( XXXX ) and 3 way conversation with agent in XXXX  XXXX XXXX ( XXXX ). We had a very long conversation including remitly providing their email address so that the bank can contact them for anything they need for the case and XXXX verbally mentioned to XXXX that the Transaction was not authorized by me and that bank should initiate a conversation coz bank can not provide any email or update that they contacted the bank before denying my claim.XXXX  also mentioned that if possible Bank can CC me on anyemail but I have'nt received any email. On XX/XX/2021 I received an email from XXXX XXXX XXXX that they were still unable to pay. Called costumer service of XXXX on XX/XX/2021 and ask them if they were able to send any message to remitly but they can not give me information. and that they will re open the case again. I believed my case was not properly address. I have a proof that I contacted them same time i noticed the hacking and reported to them. I also visited the XXXX XXXX XXXX branch for help but instead they told me that " Thats why you do not use such remittances '' and that they can not help me bacause their research team can only be contacted trough phone call. Bank response to my claim says also that they did not receive the information they requested from me or it was incomplete but they never contacted me or initiate any communication with me. Please help me with my case. Thank you

Company response to consumer: Closed with explanation