vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
It is my belief that I have been overcharged by Lexus of XXXX XXXX XXXX on the lease agreement for the following charges : annual percentage rate, fees, taxes, or other charges. I am also in the belief that Lexus Financial Inc is aware of the XXXX XXXX Lexus Dealership deceptive practices. 

I, XXXX XXXX, leased a XXXX  XXXX XXXX XXXX from your dealership on XX/XX/2021. 

Since the day of the purchase, I have raised some concerns to the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial over my buyers order and lease agreement. It is my argument that the sales manager and/or finance manager has increased some amounts on my lease agreement to generate a $ XXXX monthly payment. They have refused to address my argument that my monthly payments on the lease should be lower. 

In my discussions with the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial Inc, I questioned them about the following charges on the buyers order and lease agreement, A. The optional item ( nitrogen in the tires ) even after I requested that they remove this charge. The sales manager stated that he could not remove this charge because it was a required charge ; B. Why the finance manager tried to trick me into opting into arbitration after I had opted out ; C. Being charged for additional county sales taxes that are not in the amounts required by state and local law ; D. Being charged an exorbitantly amount for the rent charge and ; E. Stated to me that the money factor was 0.00020, but charged a different rate ; F. They refused to tell or show me how they calculated the amounts shown on the lease agreement by stating that these were Lexus Financial charges that they have nothing to do with. 

It is my belief that the XXXX XXXX XXXX Dealer, General Manager and Lexus Financial have discriminated against me in the leasing of XXXX XXXX XXXX XXXX, based on my race and age. 

I was shown a lease agreement similar to the vehicle I leased ; whereas this individual was given more incentives and paid less taxes and fees on their vehicle. I was told that the XXXXd Lexus dealership had nothing to do with the lease agreements. I was told that Lexus Financial Inc completed the lease agreements. 

In my conversation with Lexus Financial Inc about the information on the lease agreement, I was told that Lexus Financial Inc dont have anything to do with completing the lease agreements from the dealership. It was stated that they only purchase the lease agreements from the various dealers. 

I feel that Lexis Financial Inc and XXXX XXXX Lexus Dealership has violated the FTC, the Truth in Lending Act and the Equal Credit Opportunity Act by misrepresenting the cost of my lease, the fees and taxes charged and charge for the optional nitrogen in the tire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I submitted a written request to Equifax disputing inaccurate/incorrect information I discovered within my Equifax credit file. For the following : XXXX XXXX XXXX {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX  {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Equifax. Equifax did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Equifax reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
The card issuer for Florida Way2Go Program stole my refund. A refund of {$270.00} was credited to my account within 5 business days according to the refund policy at XXXX XXXX XXXX On XX/XX/2021 I ordered a XXXX  or XXXX XXXX  from XXXX XXXX I later canceled that order on XX/XX/2021 and a refund of {$270.00} was credited to my Florida Way2Go card ending in XXXX. The company dba XXXX sent a message to my card issuer for Florida Way2Go Program that a refund of {$270.00} was credited to my account on XX/XX/2021 but that credit is not posted to my account. I was on the phone with Florida Way2Go debit card explaining to them that I had not received the refund within 5 business days but they were not responding, so I decided to file a consumer complaint against Florida Way2Go debit card d/b/a Conduent Corporation. Conduent Corporation asked my to send a copy of my Florida ID Card via email at XXXX with a case # XXXX. Later, my account was blocked after sending them a copy of my Florida ID Card. The persons that I talked to were very Manipulative, so I decided to file a consumer complaint against the persons who were handling my call. The number on the back of my card is XXXX and it says XXXX XXXX is the card issurer but Conduent Corporation is the persons who answers all calls at XXXX. They ask for your entire social security number and your birth date, mailing address, zip codes, etc. They ask for all your personal information which is illegal over the phone. Your not suppose to ask for a consumer social security number over the phone because that is illegal. 

Also, the company told their brothers to kill or murder me in XXXX, Florida. One time, their brother tried to stab me with a knife and was saying " you are scary bro ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed through XXXX and my Chase bank account. I noticed that my bank account had XXXX over what it should have and realized someone made false reversal claims on like XXXX plus charges in my account that were charges to pay bills etc ( charges were legit and I made them ). I did not make these claims to dispute these charges so I called chase to let them know. 

Customer service was not helpful did not understand what I was talking about. 
The next morning I realized that XXXX dollars was sent via XXXX to someone named XXXX XXXX in 3 different XXXX payments. I did not send these XXXX payments. I was freaking out and called chase again and they opened a claim this time. 

2 months later I was laid off from my job due to the pandemic. I noticed that Chase reverse Ed my claim about the XXXX charges and now I negative XXXX . I called customer service again and they werent helpful they said they couldnt prove it was fraud. So now Im unemployed and beyond negative and dont know how I will pay for food or rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: MD

Complaint narrative:
An authorized user used card to rent a vehicle from XXXX. I immediately block users card 3 days after I realized the charge. I believe the charge hold was in XX/XX/XXXX. The amount I believe was {$270.00}. The hold was released. I believe a week later. I assumed the authorized user paid the amount. On XX/XX/XXXX, XXXX charged {$5200.00} to my credit card account. I notified my credit card co Capital One Bank and a dispute was put on my account. I informed the bank that the users card was blocked and why was this charge put on my account when I blocked the authorized users card. The credit card id secured card with a limit of {$700.00}. The charge from XXXX in the amount of {$5200.00} was charged back to my account on XX/XX/XXXX and an additional charge of {$74.00} from XXXX was put on my account XX/XX/XXXX. The dispute case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
On my XX/XX/2021 statement my bank charged me {$30.00} for a payoff statement that they claim was ordered by a loan processor for a refinance I was applying for. Instead of charging the refinance company, they surprised me by tacking the {$30.00} onto my next mortgage payment. I wasn't aware that the refinance company had ordered anything. 

I called my mortgage bank in XXXX and in XXXX and asked them about it, and they said I was to call the refinance company for a refund. When I advised them that this is a HOEPA violation, wherein HOEPA part of RESPA banns charging for payoff statements, they arrogantly stated that they charged this amount because the refinance company requested a fax or email and they are merely charging a servicing fee. Whether or not the payoff was sent via fax or email, I have no idea because I wasn't party to the transaction between my mortgage bank and the refinance company. 

I don't believe they can charge me for a payoff even if it is faxed or emailed, and if this ridiculous reason for charging was allowed, I don't think they can charge me for a transaction with another party, when I wasn't involved in the decision of how the information was sent. I feel that they are trying to get around the RESPA/HOEPA law that banns charging for a payoff statement and taking advantage of their customers.

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit card!!!

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: TN

Complaint narrative:
I was visiting California and had to go to the XXXX XXXX. At that time and to present day my insurance was XXXX a XXXX policy. My policy covered 100 % of the medical expenses. All the other services for this visit was covered by my insurance. I don't know if the medical billing at the hospital failed to submit the claim accurately to the insurance company, but I'm absolutely positive I'm not responsible for the bill being a insured person. I have tried to get this resolved, but the company refuses to comply. To my knowledge, they would be able to resubmit the bill through my insurance and resolve any outstanding balances. However, the company neglected to take that course of action. They've now reported a collection account to the credit bureaus resulting in a negative effect on my credit rating and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This issue is regarding my attempt to transfer Bitcoin from my wallet on XXXX  ( digital asset exchange ) to my private hardware wallet. 

On XX/XX/XXXX, I withdrew XXXX BTC ( equivalent to {$6100.00} as that day 's market price ) from my XXXX wallet to my private wallet. This transaction was successful. 

However, XXXX incorrectly double posted this withdrawal leading to a negative XXXX BTC balance in my account. I also had other currencies that I needed to transfer to my private wallet ( ETH and LTC ). I was unable to make those transactions because XXXX restricts withdrawals when you have an overall negative account balance. 

In order to get the other currencies withdrawn, I sent XXXX BTC in from my private wallet on XX/XX/XXXX. I subsequently withdrew the ETH and LTC amounts I needed to. 

XXXX never corrected the erroneous double post. I submitted a support ticket to XXXX on XX/XX/XXXX, in which I describe the above in full. They asked for more details and eventually admitted it was an error in their system on XX/XX/XXXX after reviewing : " Thank you for contacting us about this. 

We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 

Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' No response from XXXX for weeks so I asked them why it wasn't resolved on XX/XX/XXXX. To which, they replied : " Thank you for contacting XXXX. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : XXXX XXXX XXXX Please use the email address that you use to log in to XXXX, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' No resolution still. I submitted another ticket to follow up on XX/XX/XXXX ( Case # XXXX ), but there has been no response. I have elevated this case number today ( XX/XX/XXXX ) and notified XXXX I am formally submitting a complaint to the CFPB. Today, the XXXX BTC is worth approximately {$22000.00} USD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
I SENT {$200.00} THROUGH XXXX TO A FAMILY MEMBER IN XXXX AND UPON XXXX RECEIVING THE MONEY BY DEBITING MY BANK CARD, WORLDREMIT CORP . LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX. COLORADO XXXX, U.S.A ; CLAIMED THAT THEY OPENED A DOLLAR ACCOUNT IN XXXX WHERE NAIRA IS THEIR LOCAL CURRENCY OF CHOICE FOR MY RECIPIENT. NEITHER MYSELF NOR THE RECIPIENT ASKED XXXX TO OPEN THIS DOLLAR ACCOUNT. THEY WERE TO DISBURSE THE MONEY DIRECTLY TO THE RECIEPIENT IN NAIRA OR DOLLARS AFTER CHARGING THEIR SERVICE FEES. 
NO ONE ASKED THEM TO OPEN ANY BANK ACCOUNTS. 
THIS TRANSACTION WAS DONE ON XXXX XXXX AND WAS TO BE COMPLETED WITHIN 24 HOURS WHICH WOULD HAVE BEEN XXXX XXXX. 
BUT UP TILL TODAY XXXX XXXX, THE RECIPIENT STILL HAS NOT RECEIVED THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ERC
State: WI

Complaint narrative:
Enhanced recovery XXXX  XXXX They never let me no what was going on just place this on my credit score I want answers I need papers on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Dept of Ed/Nenlet. Dept of Ed/Nenlet has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Dept of Ed/Nenlet. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery XXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Collections Acquisition Company, Inc.
State: VA

Complaint narrative:
The creditor CYBR refuses to remove {$200.00} debt from credit reports after prematurely submitting me to collections. The attached documents show I was an active paying customer when my account was sent to collection in XX/XX/2019. The attach documents also show that I paid my six month contract in full at {$150.00} a month. The credit can be reached using the following contact information. I also attached where the debt was removed from my report and then reappeared. I have also put in complaints with both XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX Or Contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I recently had my hours cut from Full time to Part time and I explained myself to them asking what could be done to get assistance. They basically told me they can only " extend my due date out a week and a half '' it made no sense!! I pay XXXX per month and they literally call and leave a voicemail every single day. I've asked them to stop and it doesn't stop. Nobody on this earth, thought COVID would happen and for the companies to not have a system in place after almost a year doesn't make any sense and they shouldn't be allowed to harrass people for payment.

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 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX states I owe XXXX $ on a XXXX XXXX contract that I have never had. I have tried to reach out to this company on several occasions and ask for verification of debt but they would never provide any information, they only want payment or threaten to involve lawyers in which I quickly tell them to do so. I have been a XXXX XXXX subscriber for 11 years and my bill has never been behind nor have I ever been associated with any phone numbers other than the XXXX I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Social Finance, Inc.
State: NJ

Complaint narrative:
Advertising for card said unlimited 2 % cash back. After signing up and receiving the card noticed the fine print. Saying it's actually 2 points for every dollar and depending on how you redeem it could be worth 2 %. If pure cash, it's only 1 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
I have tried for days to reach this company for service on my existing VA loan. I have waited on the phone for hours, been told a return call would be made, it never was. Been promised someone would call me, they never did. I have written messages on their message board and all you get it more lies and empty promises. I have written letters, sent fax, all to no avail. 

All I want is to have my loan serviced and my questions answered. This is the worst service I have ever had with a company.

Company response to consumer: Closed with explanation