vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Uplift, Inc
State: OH

Complaint narrative:
I had contacted Uplift last week on XX/XX/2020 in regards to my loan. I explained to the girl on the phone that my cruise had been canceled due to COVID-19 and they would be giving a full refund. I had asked since my payment was due on XX/XX/2020, is there a way to stop the payments or push back the payment until the refund is given. She told me the best she could do is push the payment out until XX/XX/2020. At that time, call in to make sure the refund was received and that you no longer need to make payments. I thanked the girl for her time and thought everything was fixed. 

Today, on XX/XX/2020, I was charged my loan payment amount. I called the Uplift to inquire about this charge and asked that it be stopped. I spoke to a customer service representative by the name of XXXX at XXXX who was questioning me and acting as if I had never called in. She told me there was nothing she could do but escalate it to her supervisor. I have not heard back from a supervisor or anyone at the company regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my AMEX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We acquired an Amazon Prime Chase VISA a few years ago. It is rarely used and we prefer using our other credit cards. The monthly charge is {$14.00} whether we use the card or not. I have tried all the different ways I can think of to get this card cancelled but have failed to reach anyone. The card is in my name but my husband has a card as well and both cards have the same card number. The phone numbers that you can call to reach the company states that there is a minimum of a 50 minute wait. I've tried to call numerous times, waiting 45 minutes the first time. I have now been on hold 42 minutes. I also tried going to the website but it wants information that we no longer have. I put in my name and the number on the credit card and the 3 digit number on the back but nothing seems to work. I destroyed my card a few years ago but my husband still has his and rarely uses it. When the bill came today we agreed that it is silly to keep this card and want to cancel it. I tried putting his name and social security number on the form but it wouldn't take that either. I do not know what to try next except to simply not pay them again. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: U.S. BANCORP
State: AZ

Complaint narrative:
I opened an XXXX credit card through US Bank late 2019. In XX/XX/2019 I wrote and mailed a check for the full payment amount to US Bank. I emailed it as early as possible because I wanted the check to clear before XXXX. The check never cleared - it was mailed almost a month prior to the due date - so I called and made a payment over the phone and put a stop payment on my check with my financial institution because I figured the check was lost. 

About 2 weeks later ( 5 weeks total since I mailed the check ) US Bank cashed my check even though I had a stop payment - apparently they changed the name of the entity the check was made out to which allowed them to cash the check even though it had a stop payment. They then charged me a {$25.00} fee because I  requested them to refund back the payment amount - they had double my payment ( the original check + the phone payment ). 

I did nothing except pay my bill on time and I found myself paying a {$25.00} fee. I submitted an appeal and never heard back from the appeal. Finally I closed my account to avoid dealing with US Bank any longer.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery services has been taking XXXX dollars from my bank account every month for a debt i have to XXXX. Everything was going fine, but XX/XX/2020, the amount went up from XXXX to XXXX. This is even reflected on my credit report. I spoke to portfolio recovery services on XX/XX/XXXX and they said it was a system glitch and it would fixed shortly, but it hasn't been fixed and it is negatively affecting my credit report by having an account in collections increase in balance owed. i do not feel they will resolve the problem if i contact them a second time that is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
Education loan opened without me being present to open it on campus with financial aid office. Previous attempts of retaliation by XXXX through collection agency we're removed by CFPB ( should have record ). XXXX has not responded to validation request to restart original payment plan from XX/XX/XXXX at present income allowance via income based repayment. 

I received notification about seven days ago that my credit had changed and had not noticed it until today the XX/XX/XXXX. This is an additional attempt by XXXX to extort funds in retaliation for a Title IX investigation that was opened by me due to behavior of people that were living in our dorms. I was asked to leave campus and have not been back to open any education loans nor have my attempts to follow through with those efforts been responded to by those who initiated the order from me to not to resolve matters, in person, on campus. 

Reliant Capital Solution is requested XXXX which I believe XXXX was looking for XXXX originally and they have no responded to my certified letter. 

To my knowledge I have not taken out any new education loans with Reliant Capital Solution nor XXXX in XXXX. The only debt I had with them was in XXXX Cashier 's office from XX/XX/XXXX and it was on an on/off payment plan due to me being homeless at the retaliation of the school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my XXXX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,

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 non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've had this problem for a long time.I need these collections removed.I have already turned in all the necessary documents, and they still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 {$1200.00}, {$6300.00}. 
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 XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: WA

Complaint narrative:
I opened my mail today and recieved a debit mastercard from Brinks Money, which I never applied for. Had my name on it as well as my  current address.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Tried to lower my interest rate on my Capital One Credit Card and they keep denying me. How am I suppose to pay off this debt during the covid-19 crisis? 

My current interest rate is 26.40 %. Ive been current for the past 9 years with them. Never missed a payment and payed back thousands!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: OK

Complaint narrative:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Experian, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Experian has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Experian several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Experian has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Experian 's behalf.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Applied for Bank of America credit card XX/XX/XXXX. Received card activated XX/XX/XXXX. The promotion was spend {$1000.00} within 90 calendar days. 
Statement totals as follows : XXXX ... {$300.00} XXXX {$180.00} XXXX {$540.00} TOTALS {$1000.00} I CALLED THEM TO FIND OUT WHY THEY HAVE'NT GIVEN ME THE {$200.00} BONUS YET. THEY WERE GOING TO RESEARCH. 
RECEIVED A LETTER YESTERDAY DATED XX/XX/XXXX THEY SAID I HAD NOT SPENT {$1000.00} WITHIN THE 90 DAYS.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/18 - A Fraudulent security alert was placed on my Experian Report, XXXX / XXXX. - A credit card For XXXX XXXX  XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX removed it, Now I been dispute it was Experian but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?

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 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
On XXXX upon trying to refinance my home the mortgage company advised me that there was a lien against my home from a company by the name of Darnel Recovery, I was in total shock as I have never acknowledged this matter or was served this documentation by the local authorities back from 2007. I called to speak to XXXX XXXX and she stated that I needed to send my id through a email and that the document indeed was me, now the problem I have with this is that My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the Superior and Magistrate Courts in both XXXX and XXXX county where I do not reside at which there was a lien judgement against my home. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail or from any proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 {$1200.00}, {$6300.00}. 
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 XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -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 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Purchased vehicle on XX/XX/2020. During negotiations we repeatedly told the sales person we did not want to pay more than {$400.00} a month, he kept trying to get us to budge and we stated no time and time again. We finally agreed on {$400.00} a month with a 75 month term. We meet with a woman in finance to sign paperwork, the only thing she verbally tells us is that we were approved. She did not tell us the terms - this includes the APR, how many payments ( months ), or what the payment will be. She presents us paperwork and points  where to sign, and then gives us a digital keypad and tells us to sign. I found it odd that nothing else was ever discussed regarding the loan terms, but my husband was getting this vehicle under a sensitive nature and I did not want to intervene, I assumed the negotiations had already been discussed so it would be fine. We received a generic packet in the mail that had our account number so I was able to open our account online to pay the bill and this where we learned our monthly payment was higher than we discussed. Right away my husband called the dealership to discuss, he first got the sales person we worked with and he referred us to the finance person, my husband left a message on their voicemail. We did not hear back. My husband called two more times and did not receive a response. I wrote a review on XX/XX/XXXX on XXXX and a couple of other sites and then finally someone contacted us, but even then they write I am sorry we were unable to find you in our database - my first and last name was listed, are co-signers not in the databases of XXXX? It felt like they were trying to make my review look less legitimate. I wrote with someone via XXXX messenger and after a few attempts and messaging with several different people over who would help me and a day later the finance person spoke with my husband and basically said what we discussed with sales was only ballpark and we signed paperwork and there was nothing she would do for us. We did not find this answer acceptable and I wrote Toyota corporate XX/XX/XXXX, XXXX, XXXX and XXXX - the first two times they responded someone would be in touch, the last two there has not been a response. I have backup emails and messages from XXXX  along with my previous written reviews. Deeply disappointing experience and we find in upsetting that no one is even trying to resolve it with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: OK

Complaint narrative:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Transunion, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Transunion has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Transunion several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Transunion has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on behalf Transunion.

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