vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one Bank /XXXX XXXX , XXXX XXXX XXXX XXXX , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told Capitalone Bank do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from Capital one XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school

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 2018-05-01 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: TN

Complaint narrative:
I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school

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 2018-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
For a year Capital One has been sending my late mother, XXXX XXXX XXXX DOB : XX/XX/XXXX DIED : XX/XX/XXXX letters that she has been preapproved for a Venture credit card. She can not opt out to receive this letter because she has been die over thirteen years.I have a living XXXX year old cousin that live in gov. housing and have had XXXX XXXX that receives these letters, also. If my mother was living what would a XXXX year old need a credit card to earn travel miles and on XXXX????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.

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 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello I XXXX XXXX XXXX transferred virtual currency ethereum ( {$2000.00} worth ) into Coinbase wallet on the XX/XX/XXXX in order to sell for US fiat dollars and was told that I owe an amount of {$390.00}. I then proceeded to try to pay for the fee with my virtual currency which I was told I was able to do, and was not able to via the website and/or mobile app. Contacted Coinbase and was told that they will put in a support ticket which this is my reference number # XXXX. I was told by the employee at Coinbase that they would contact me via email by the end of the night, if not the following morning but no longer than 48 hours. We are now on the 5th day. I've contacted them two other times from the last 2 days from the date of today on XX/XX/XXXX with no help. I just want to pay what I owe which I have the amount available to pay in the Coinbase account that way I can complete my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lowcountry Credit Inc.
State: SC

Complaint narrative:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to Low Country Credit Inc. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to World Finance. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to XXXX XXXX. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax flagged my account with " 039-Serious Delinquency '', when I do not have any accounts late and never had. Credit Report from XXXX shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
Late payments show that company denied payment was late. But show on credit report twice. Public record was off my report for a year, then all of a sudden it appears. Shouldnt be on reports. I have paid off many loans, car loans that proves credit history, that I have not seen since the XX/XX/XXXX. Lots of positive activity has been taken off.Why is this being done? Inquires that I didnt request, is on my report, please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools first federal credit union is stating that I owe XXXX. I had a individual that was suppose to deposit money into my account. When I tried to transfer the funds it did not allow me. I was not able to withdraw that amount therefore I do not see how I owe the balsnce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient mislead me to believe that placing my student loans in a forbearance status was the only option I had to manage my student loans. In all actually placing my loan on an income driven repayment plan would have kept my loan current. At this point my credit has been ruined and the fees associated with my student loan have become overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
this company will call you multiple times a day weather your payment is late or not. If you try to explain your situation they disregard anything you have to say. They threaten they will lower my credit score and tell me to turn in my car and get something i can afford. all of my payments have been on time except this one time. they are very rude and if you ask to speak to a manager he is either on " vacation '' or " not in at the moment ''. they will give you various names of the supervisor as well. they call my family and tell them personal financial issues. i asked them to kindly not call me during my work hours but they continue to call 3 times a day until i answer. they also email me. i am extremely infuriated with this company. there have been instances where my monthly payment is more than what it should be and they can not give me a legitament reason on why they are charging me more. i believe this company is crooked and needs to seriously be looked at. i fear they will lower my credit score and repossess my car even though this is the only payment late due to an unexpected financial loss.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On or about XX/XX/2017, I filed a dispute with TransUnion to investigate information reported by XXXX. XXXX has refused to remove delinquent payments on my credit report, as XXXX agreed to remove the delinquent payments as outlined in a signed Repayment Agreement under the Loan Rehabilitation Program. I completed all of the requirements of a Loan Rehabilitation Program with the debt collector, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, regarding XXXX- USA Funds, XXXX Account # XXXX. XXXX and its representatives indicated that delinquent payments previously reported were deleted from the credit file of national credit bureaus after I completed all the requirements of the Loan Rehabilitation Program and transferred to the new lender. I signed the Repayment Agreement under the Loan Rehabilitation Program ; signed the Borrower Acknowledgement Form ; and completed the rehabilitation program. XXXX refuses to adhere to the terms and conditions of the agreement, as XXXX did not contact the national credit bureaus and notify the credit bureaus to delete derogatory credit rating previously reported by the guarantor in reference to the loan ( paragraph 3, line 4 ).

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 2018-05-01 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: ERC
State: TX

Complaint narrative:
COLLECTION COMPANY 'S ERC XXXX XXXX XXXX, FLORIDA XXXX XXXX. 
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXX REPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENED XX/XX/XXXX AND XX/XX/XXXX ON XXXX, XXXX XXXX. 
I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, ERC collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXX and have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
In the beginning of the year i took out 2 auto loans one for a truck and one for a car from USAA. USAA accepted a payment on XX/XX/XXXX for the truck loan. On XX/XX/XXXX i set up automatic payments to be drafted out of a different account beginning in XX/XX/XXXX and then on XX/XX/XXXX they took another payment for the truck and on XX/XX/XXXX they took a payment for the car causing my bank account to hold a negative balance. and generating a non sufficient fund fee of {$25.00}. they refused to refund the {$25.00} or admit that their computer system made an error. I believe this is another example of fraud by a large bank to generate unnecessary fees against consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, In the period from XX/XX/XXXX to XX/XX/XXXX there are Three mortgage lenders involved in my home loan. On XX/XX/XXXX a payment wasn't registered to the new lender enter on XX/XX/XXXX. I am attaching documents to review the information also the missing payment for {$1900.00}. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: MO

Complaint narrative:
This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX

Company response to consumer: Closed with explanation