vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/2018, i entered a consumer credit transaction with upgrade. The total amount of the transaction was for {$10000.00}. On XX/XX/2018, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Upgrade is also in violation of the truth in lending act 15 usc ch.41 1601. As per the contract between myself and Upgrade, it states that the finance charge was {$2800.00}. Upgrade failed to process this transaction appropriately and is in violation of 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$5700.00} ). Pursuant to 15 usc 1605 ( a ) the finance charge is the sum of all charges. An {$9500.00} was calculated in the contract and should not have been. The only payment that should have been calculated in the contract was the finance charge.Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
On XX/XX/2021 I received a notification from experian about a collection from Foster and Monroe LLC in the amount of {$37.00}, XXXX. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I have not spoken to the company and I would prefer not to unless I have an attorney involved due illegal tactics that could be used to attempt to make me liable for this rogue debt. If in fact that it was something on my end, there has been no type of records whatsoever sent to me or any telephone calls. I have filed a complaint with the better business bureau and filed a dispute with experian in order to have this removed from my credit immediately. This should have never been put on my credit profile due to no communication efforts or any verification by mail from this organization. The end result I would graciously like to have is it deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX called XXXX to confirm an potential order placed would arrive by XX/XX/XXXX XX/XX/XXXX XXXX  rep confirmed deliver in 3-7 days by phone XX/XX/XXXX placed ordered monoscope for Christmas gifts XX/XX/XXXX order charge to my Capital One Card XX/XX/XXXX XXXX  provide order # XXXX XX/XX/XXXX to XX/XX/XXXX made 7 documented requests for a tracking number XX/XX/XXXX XXXX said was packed and sent to courier ( documented from XXXX  ) XX/XX/XXXX No tracking number, XXXX committed to provide tracking # in 48 hours XX/XX/XXXX No tracking number after 48 hours XX/XX/XXXX Consumer cancelled order ( documented from consumer to merchant ) XX/XX/XXXX Filed dispute with Capital One XX/XX/XXXX Filed complaint with Virginia State Attorney General case # XXXX XX/XX/XXXX Filed complaint with Consumer Affairs, case report # XXXX XX/XX/XXXX Filed complaints with XXXX XXXX XXXX, XXXX confirmed receipt XX/XX/XXXX Filed complaint with FTC confirmation report # XXXX XX/XX/XXXX Capital One correctly removed all 3 charges related to this purchase XX/XX/XXXX XXXX  shipped items ordered via XXXX with XXXX tracking # XX/XX/XXXX Consumer accessed XXXX and completed an online redirect to sender XX/XX/XXXX Confirmation of the XXXX redirect was printed by consumer XX/XX/XXXX Capital One issued a letter stating the charges will be " reapplied '' XX/XX/XXXX Consumer opened a dispute case with Capital One XX/XX/XXXX Online Case link was provided by Capital One to Consumer XX/XX/XXXX Consumer provided purchase receipt of XX/XX/XXXX, cancelation of XX/XX/XXXX XX/XX/XXXX Consumer provided document confirming XXXX  XX/XX/XXXX shipping XX/XX/XXXX Consumer received the items ordered in the USPS residents mail box XX/XX/XXXX Consumer requested merchant provide a postage paid return label XX/XX/XXXX Merchant Refused ( merchant responses are in writing ) XX/XX/XXXX to XX/XX/XXXX Consumer evidenced order was cancelled PRIOR to shipment XX/XX/XXXX Merchant offered 20 % on the items or return at consumer expense XX/XX/XXXX Consumer Returned via USPS priority sent return receipts to Capital One XX/XX/XXXX Consumer Sent Return Confirmation and USPS receipt with tracking # XX/XX/XXXX Capital One and Merchant USPS tracking documents were sent online My complaint is that a merchant can ship AFTER an order is confirmed as cancelled under all the above circumstances AND charge the consumer to be burdened with the expense of the return. This is clearly an unfair and deceptive business practice. Therefore, I am filing this complaint. In addition I offer support and participation of any class-action suit against, XXXX, and or their affiliates for damages should such a case be brought before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With that being said i never gave equifax permission to report any of my information Im demanding the items Im currently disputing deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NY

Complaint narrative:
A merchant owes me several credits for past transactions which were put on my account with false pretense. The merchant is forbidden by the Visa rules to issue a refund by check or cash due to credit rules and credit must be posted to account. The merchant directed me to contact the bank to issue a chargeback on the banks end. I submitted the chargeback requests to Chase on XX/XX/2020, and I provided all documentation in consistent wit the Visa chargeback rules. Several weeks have past and Chase responded to me in writing that they are not able to assist. 
Latter Chase explained to me by phone that the reason for not resolving this is because they claim to have encountered some difficulties to process my requests due to some restrictions on my account. They say that when my account was closed by the bank, the bank has placed some restrictions on the account that preventing the dispute department to service the account. 
In the meantime, I still have a balance with Chase and they have no problem charging me interest every month. The only problem they do have is to do what they need to do to resolve the credits owed to me. 
I find Chase actions in clear violation of the Visa card rules and also in violation of the federal and state law. Chase must allow its Billing Dispute department to resolve this matter and they surely have ways to lift whatever restrictions there are on my account so that the billing dispute department can complete what they need to do in order to submit the chargebacks to the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
We purchased a new Vehicle in XX/XX/XXXX and made our first Payment XX/XX/XXXX. We have a high interest rate so planned to pay extra to the principal as we could. The website for Avid acceptance states that to pay extra to the principal we just need to pay extra on the car payment and it will be applied to our principal balance. As the year has progressed I have kept track of my payments and the information posted on my statements. My base payment is {$320.00} monthly. XX/XX/XXXX I paid {$320.00} and from XXXX XXXX I paid {$350.00}, XXXX XXXX-XXXX XXXX  I paid {$400.00} each month. When I was reviewing my loan information in the hopes of refinancing for a lower interest rate my Principal balance did not seem to reflect any additional payments made. as I did the math to check if I was wrong, I found there is close to {$60.00} a month unaccounted for on any of my statements. 
When I called and spoke to a customer service representative at Avid Acceptance today he stated that my statement was generated on the XXXX or XXXX of the month and my payment was processed on the XXXX of the month, so, all those days between the statement and the payment I accrued interest which was taken out of the additional money I paid that was meant for principal. This money is not reflected anywhere on any of my statements and Directly opposes the policy listed on their website on how extra is to be paid to principal. When I asked why that 12-13 days of interest every month was not accounted for on my statements the customer service representative I spoke with only explained the same thing to me again. this cycle happened 4 times before I finally gave up trying to get a strait answer. 
Financially, I should be able to track every cent that I pay to this company with the statements they provide me, and It is clear that this is not occurring. Additionally, I have not had a statement generated in either XX/XX/XXXX or XX/XX/XXXX, according to the Customer Service representative that I spoke with this is because I am ahead of my payments?

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 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

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 2021-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX  and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ International is attempting to collect a debt that is not valid. IQ International contacted me in XX/XX/XXXX regarding a balance that was purchased by them from the XXXX XXXX  XXXX. Upon receipt of their initial letter I immediately filled disputes with the creditor directly, as well as lodging several complaints against XXXX XXXX XXXX with the FTC and local regulators in both the State of Colorado and the State of California. I had lawfully terminated my lease at the XXXX XXXX XXXX per the terms of the lease ( failure to maintain a safe and liveable environment. I had provided management advanced notification of my lease termination via writing and within the timeframe my lease allotted. I also provided management at XXXX directly with both photographic and video evidence supporting my claims. Even though I had followed all requirements in my lease management at XXXX refused to abide by our lease terms and stated they would not honor the lease we had signed. I was not provided any invoice on move out and did not receive any further communication from XXXX until receiving a bill directly from IQ Data. No invoice from the creditor was ever sent to me advising of any balance owed. Upon receiving notice from IQ Data I immediately filled a compliant with CFPB. IQ initially responded to the complaint providing a invoice with no explanation for charges listed. Past the initial response I had received no further contact from IQ Data. Today XX/XX/XXXX almost 7 months after receiving the initial letter from IQ, after receiving no further follow up, invoices, or communication they placed the disputed account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: LA

Complaint narrative:
I HAVE 25 HARD INQURIES ON MY EQUIFAX THATS NOT MINE EVERY TIME I CONTACT THEM THEY TELL ME IT WILL BE DELETED IN 24-72 HOURS I BEEN DEALING WITH THIS ISSUE FOR MONTHS ALSO THEY KEEP TELLING ME ABOUT A FTC REPORT AN THEY NEVER SENT I ALL 2020 ALSO I HAVE A ENTERGY BILL ON MY REPORT THEY REMOVE THAT ACCOUNT AND THE 25 INQURIES OF MY OTHER REPORTS ONLY EQUIFAX GIVING ME A HARD TIME IM TRYING TO GET BUSINESS FUNDING LOST EVERYTHING DURING THIS PANDEMIC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I make two different transactions with my American Express card : XX/XX/XXXX for XXXX and the second XXXX for XXXX on XX/XX/XXXX For a total of XXXX dollars to the company called XXXX XXXX XXXX. This company offers travel experiences ( not flights and is base on the XXXX XXXX ) Due to the COVID pandemic, the company postpones the trip to XX/XX/XXXX ( originally scheduled for XX/XX/XXXX ) At the time, the company did not issue any refunds. On XX/XX/XXXX received an email that the company was filing for bankruptcy/insolvency. Before that, they send information that they will no longer able to fulfill the trip. Base on the information from the company. According to the Civil Aviation Authority ( CAA ) and XXXX XXXX ( Think it is the insurance company representing XXXX XXXX XXXX ) I should claim the refund through my credit card. In my case American Express. 

I contacted American Express on XXXX/XXXX and file a dispute for both chargers. I provide documentation. Including emails and insurance files provided by the company. However, American Express closed the case. They claim that we're unable to reach out to the company and that time for the claim has elapsed. I gather extra documentation and re-open the dispute on XX/XX/XXXX. On XX/XX/XXXX I received the message from American express essentially closing the case with the same arguments. It is clear to me that American Express refused to revise the document that clearly states that it is the credit card company that should issue the refund, not the merchant. Moreover, the person I was going with. Submitted the same information as me at the same time and was able to get a refund back. It seems to me that the credit card company is selectively choosing who they are going to give a refund to and refused to even investigate and read any documentation submitted that clearly states my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Due to technical issues related with the electronic system of my mortgage company select portfolio servicing, the payments corresponding to the months of XX/XX/XXXX and XX/XX/XXXX were not processed or did not go through and it was when I called to make the payment corresponding to the month of XX/XX/XXXX when I learned about this inconvenient and I was able to mail the payments for those months. Due to these technical issues, payments on my loan number XXXX corresponding to the months of XX/XX/XXXX and XX/XX/XXXX are reflected on my credit report as 60 days late and is affecting my ability to buy a single family home to move with my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed without any forewarning. The funds in the account are now inaccessible and this has caused me financial issues as Im unable to pay my bills without this money. Ive contacted customer service but automated message redirects your call and advises account is closed so only contact can be submitted via email. Their email response is asking for transaction details and states that account was closed due to international funds transfers. This is not true. I have made the same purchases and charges on this account for years. I also had the transactions and international transactions options shut off on my card for security purposes. I only authorized transactions when I knew I would be making a purchase and the rest of the time I kept this option on the app disabled do no one could use the card without my knowledge. Now it appears that there are hundreds of people whos accounts have been closed for no reason and chime just advises that IF there are any funds left in the account, they will be refunded via a check within 30 days and mailed to me. Ive tried calling chime, XXXX XXXX XXXX XXXX, XXXX, the XXXX, my local congressman, the states attorneys office, office of the comptroller of currency, and multiple multiple phone and email dead ends. To sum it up, they closed a ton of accounts, are not returning the funds in a timely manner, they are quoting a bogus terms of service violation and refuse to provide and documentation or proof of this violation. Now my bills are late, fees are piling up, and Chime has over {$1400.00} of my money inaccessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I accepted a job posting that was sent to my school email. The employer sent me two checks via email one in the amount of {$1400.00} and another in the amount of {$1200.00}. I deposited the checks and they cleared in my bank account. The employer had me buy {$400.00} worth of XXXX XXXX cards and send them to him. Once I was getting sketched out, I told him that I was quitting but could send him back the money that he had sent me since it was still clear and available in my account. I XXXX paid him {$1500.00} in three separate transactions of {$500.00} each and then XXXX paid him a payment of {$500.00} all on XX/XX/2021. Today, XX/XX/2021, the checks that he had me deposit before that had cleared in my account were showing up as void so now I am losing {$2000.00} of my own money.

Company response to consumer: Closed with explanation