vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I've been calculating the total sun I've been paying with American Credit Acceptance since XX/XX/XXXX. I financed this vehicle in XXXX of XXXX. I've made on time payments up until XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX  I've made lump sum amount to cover for my late payments, no including late fees. XX/XX/XXXX, I called the company and asked them how come none of the extra payments that I am making is going towards my late fees and will I be credit for the next making for making payments ahead. They told me that I have to call customer service for all of my late fee payments in the future and that I wasn't able to do that online. I wasn't aware of that rule, but on their website it states that : ACA applies your payments in the following order. 

Miscellaneous fees ( e.g., repossession fee ) if applicable Interest ( currently due ) Principal ( current and past due ) Fees ( e.g., late/NSF ) Remaining Principal So, when I was making large payments amount NONE of them were going towards my late fees whatsoever. Once I call the customer service and took care of it, which there is proof on my transaction history and on a recorded line, which they said they use when calling, it would say I made a payment of {$76.00} not including the {$6.00} fee they charge when making a payment. Till this day, I still owe them a late fee of {$75.00}. I called them about a month later asking why was I still being charge for a late fee when I've been making online payments on time since the beginning of the year. The customer service person told me that the payments I made didn't goes towards my late fee. It went towards my billing. I ask can the payment be reversed to my late payments and they said no but they can applied it to my billing the next time I pay. 

I didn't understand why my {$76.00} payment didn't go towards my late fee when I specifically called just for that payments to go there. Also, the first time I called they told me I had " one month free '' of payment for paying early meaning I didn't have to make a payments until XX/XX/XXXX which if you calculate the payments I made in total, {$6000.00}, to how much I am supposed to pay monthly, {$7400.00}, the difference of the payments are {$600.00}. I've asked where is my forwarding payments that I've made and they couldn't come up with a reasonable answer. I am still making my payments every two weeks and I will call them to do a final follow up on my account. Thank you for listening.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PROCOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
Fraud on his card .the bank determine there was no fraud close the case and said that it cant be reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I downgraded my Citi Prestige card to the Citi Premier card. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I added authorized users and was incorrectly charged a fee for this ( {$75.00}, {$68.00}, and {$62.00} respectively ). 

Per the terms and conditions of the Citi Premier card, there is no fee for adding authorized users. I contacted Citi after the first charge was applied to my account and was told that it would be refunded. Nearly 6 months later, no refund has been issued. 

I have since contacted Citi on multiple occasions and have either not been able to get through to an Agent ( line hangs up ), or I am told a refund is forthcoming and it does not. 

I have attached a copy of my statement to show these incorrect charges on my account.

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 monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/18 at about XXXX. I attempted to send {$130.00} from my Navy Federal Credit Union checking account to an individual located in the XXXX XXXX electronically. 

After verifying my identity to two different individuals, bank personnel in the wire transfer department started asking me a bunch of personal questions about what the money was for and how I had met the person. While I realize there are a bunch of online schemes out there ( romance, get rich quick ) and could understand a bank employee being required to inform me about them, to mandating that I disclose personal details about my relationship with anyone is a violation of my privacy and an overreach of their authority. 

After reluctantly answering her questions. She requested to send me a confirmation code via phone. I requested this to be done by email, just like I have done ever since two party verification was mandated by the bank. I was informed that it had to be done via phone for some undisclosed reason. Again if I can use this method for my everyday banking needs and to send unlimited moneys from my account to anyone I want, why is it that I have to do anything via phone for a wire transfer. After reluctantly providing this information to the banker and verifying the code I was then informed that she could not perform the transfer for me and that I had to follow the very same procedure that doing this phone verification procedure was supposed to avoid. She stated I had to file a written request first electronically and the someone would contact me about it via phone. 

As I'm sure that your agency is aware of, telemarketing and phone scams are the number one threat to consumer privacy and financial security in this country. Myself and many like me combat this by not giving anyone, anymore information than they need to accomplish their job. This would also include phone numbers. Every company out there will tell you they don't sell phone numbers and they won't market to you. Then they call you under the vise of some other XXXX or give it to one of the dozens of their affiliates so they can can hound you. The simple fact of the matter is the more people/companies you give your phone number to the more scammers and marketers will call you and the more likely your are to become a victim of fraud or ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.

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 2020-12-18 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: TX

Complaint narrative:
Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NJ

Complaint narrative:
Company is not appropriately reviewing the documentation submitted regarding a disputed item, and is refusing to issue a provisional credit, despite the clear preponderance of the evidence. Company has an agreement with the merchant, which is the key reason for this behavior, and is resulting in an appearance of bias on the part the Company vis-a-vis the merchant. It may also be a violation of the Fair Credit Billing Act. Please see attached letter for more detailed explanation and documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 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: KY

Complaint narrative:
This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.

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 2020-12-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.

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 2020-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello. I want to say that it takes a lot for me to complain about a company, but I have been dealing with this for over a year. I had a PayPal Mastercard that was erroneously closed, because Synchrony stated, " I was placing stop payments via my checking account with XXXX XXXX which resulted in returned payments. '' I have contacted my bank numerous times, with the most recent call made today at XXXX HRS, to make sure there was not a stop payment on the account nor a block on PayPal. I have contacted PayPal numerous times on or around the due dates ( XXXX of each month starting from XXXX of XXXX ) to delete and re-add my checking account to the automated system. What no one is able to tell me is why my PayPal credit account, using the same banking information as provided for my PayPal Mastercard account, goes through without a problem via auto pay. To pay my Mastercard account, I have to manually enter in a payment. The most recent payment was scheduled for XXXX XX/XX/XXXX and was cleared by my bank on XXXX XX/XX/XXXX. I have a transaction ID from PayPal, identifying the payment, and a screenshot of my bank details showing the payment withdrawn from my account. I was informed by PayPal to have my bank send a letter indicating that there was not a stop payment and that the payment went through, when in the interim, to make another payment. I was asked to send a letter the same way in XXXX of XXXX and did not receive any other correspondence nor contact from PayPal. I called my bank today and both representatives informed me of the same information : no stop payments, no blocks on PayPal, and that the payment of {$150.00} went through. The second representative even stayed on the line to conference call PayPal but was disconnected after entering all of my information. I called PayPal again at XXXX with another representative asking for another letter but this time to fax it at XXXX with attention to Synchrony PayPal Mastercard. I am upset about this whole situation, feeling like I am in the wrong and an irresponsible customer. I am at a loss. I also want to inform the FTC that if a manual payment is entered, the automatic payment is canceled for that month ... another flaw in their system that two other PayPal representatives identified but had a supervisor argue with me again with the perception I was the wrong one.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I'm currently in the process on refinancing my house and the company that holds my mortgage right now has yet to respond about payoff amount. My new lender as reached out to them two times for the information and I've reached out to them as well. Still nothing back and I should be closing on the XXXX. XXXX has reached out to freedom Mortgage on the XX/XX/2020 and XXXX/XXXX/2020. And I've reached out to them in XX/XX/2020 as well and we still haven't gotten anytime if response from freedom Mortgage

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