vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
To Whom This May Concern that can fix this stressful Situation : I closed my Bank of America account because my card was stolen along with my phone and other items from my house. Bank of America promised they would close the account and I would not get billed anymore. Well in XXXX the following I received a generated bill from them saying I owed money. The balance was XXXX when it was paid off. Back in XXXX it was closed and they would not give me a new card because I could not give them the phone number I had when I opened up the account because I could not remember it because I had many phones and phone numbers. If the account is truly closed why are they sending me generated bills yet. And I can still pay them. I have called and complained to them, but they do not listen and just send me to the next person and guarantee me the account is closed. But obviously it is still in their system and they are charging me the yearly XXXX fees for a account or card that does not exist or I do not use and an account that I was closed clear back in XXXX. 

Sincerely. 
XXXX XXXX Here are some of the statements they are sending me in generated email for an account that was closed XXXX according to their records. XXXX shady business practice to me. I wonder how many XXXX other people they are doing this shady business practice too. All that money will add up I would say. I paid it through my bank account and they took it for an closed account multiple times. 

New statement balance : {$5.00} Account : BankAmericard Visa Platinum Plus ending in - XXXX Date : XX/XX/XXXX You have a new e-Bill from Bank of America Credit Card BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$0.00} Amount Due : {$0.00} Account Balance : {$10.00} ( CR ) So how can I have a credit of XXXX than on a closed card suddenly I have a bill of XXXX cents something is seriously wrong with this bank You have a new e-Bill from Bank of America Credit Card XXXX BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$25.00} Amount Due : {$25.00} Account Balance : {$34.00}

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 2020-08-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, Experian, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. XXXX XXXX is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!

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 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I was laid off due to Covid-19. I applied for the pandemic relief through my mortgage in XX/XX/2020 and was approved. Now they fraudulently reported negatively on my credit report. I was never late with them and current when I applied for the pandemic relief. As a matter of fact, paid all that was owed and ended my forbearance plan early. Now for the month of XXXX they added a 90 day late. Again, I was not in default prior to being approved for the pandemic relief program. 

Im attaching my approved pandemic relief letter, the three payments I paid when I chose to call and end the pandemic relief early and paid all payments due during the pandemic on the phone with an agent during the same call of me asking to end my forbearance early, and the credit reporting showing the negative 90 plus days reporting forXX/XX/2020. I did everything right during the plan and called Immediately when j was called back to work and immediately paid and took myself off the plan. I made sure I wasnt taking advantage of the program and in turn they took advantage of me and destroyed my credit putting me in the high risk category for lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020  Original Loan Amount : {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a savings account with Citibank as a prerequisite for the Paycheck protection program with Citibank. The savings account is in good standing. However, upon requesting a confirmation and case number from Citibank for PPP ( applied around XX/XX/2020 ), the bank has officially not provided any support as I'm unable to provide them a conformation number or case number which was generated by the system in XX/XX/2020 upon completing the form online. 

At the same time, the bank is saying that I can not reapply as the PPP closed on XXXX. 
The bank is also not providing direction and clarity on why they have reported a charged off account when notice was not provided to the customer. The PPP processing is based on the credit score and  without any assistance by the bank on any aspect, it is extremely difficult for this single mother of XXXX origin recently divorced to navigate the PPP process. 

Additionally I also applied on the website of XXXX XXXX but was never provided any service after the initial inquiry.

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 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
PAID CO PAYMENTS BEFORE GOING TO THE DOCXTOR OR THEY WOULD NOT SEE ME HAVE INSURANCE ANY THEY PAID FOR ALL THE BILL DOCTORS OFFICE IS WRONG DO NOT OWE ANY BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX regarding discrepancies and inaccuracies on my Equifax credit report. I am showing an unauthorized inquiry from XXXX XXXX from XXXX of XXXX that I did not request or approve of. I have previously registered this issue with the Consumer Financial Protection Bureau. Im also showing a Closed Account from XXXX that should not be on my credit either. After 20 days of not being able to verify ownership with this group, they simply update the information of the entry notifying my dispute of the account and the information.These items need to be removed from my credit report. It is potentially affecting my chances with employers. Im not confident in the Equifaxs process of reviewing the factuality of these credit report entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Had an American Express prepaid card with an original balance of {$20.00}. On its face the card said it was valid till XX/XX/XXXX. Used the card once or twice until the balance declined to {$13.00}. 

Today went to use card and found it has a XXXX  balance as American Express has been charging a {$2.00} a month fee till it ate up the entire {$13.00}. 

THIS OUGHT TO BE DISCLOSED ON THE FRONT OF THE CARD IN BIG LETTERS NOT HIDDEN ON THE BACK OF THE CARD THEFT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
During the month of XXXX of 2020 I was made aware of an attempt to collect a debt on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. 
his was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX XXXX therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 
This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am presently XXXX within the XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On the date of this alleged debt, I was in XXXX, as I had been released on XXXX I was no where near the location of the alleged debt, as I was not in XXXX at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Amazon store credit card through Synchrony credit company advertises in Amazon website that if you apply for their card you can pay off the purchase with up to 12 equal monthly payments given the purchase is more than {$150.00}. 
I have applied for this card only because of this promotional offer and even though I have an excellent credit score ( over 750 ) with a combined credit line of over {$40000.00}, amazon store card only approved me for {$140.00} worth of credit. This limit is low enough to prevent me from using the promotional offer of the equal monthly payment. I find their process of credit line approval deceiving and would like to report this issue.

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 2020-08-23 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX  or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened :XX/XX/2020 Original Loan Amount : {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: FL

Complaint narrative:
XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXXXXXX XXXX or the XXXX XXXX app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the XXXX app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called XXXX and XXXXXXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020 Original Loan Amount : {$720.00}

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 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This started a few weeks ago ... .. I started noticing that when I made purchases with my American Express Serve card they were adding some type of additional fee charge while on hold. It happened at the grocery store last week and it was almost {$30.00} over the purchased amount. It also happened at XXXX and making a payment on XXXX. Then Ive been using it the last few days with XXXX and noticed the same thing was happening. I just did some figuring and it looks like they are adding 15 % to the purchase amount while the transaction sits on hold for 2 to 5 days. I have had this card active since 2014. I have also had my payroll direct deposited onto this card for the past 4 years. I have tried calling for assistance but no one answers and I have read stories online that they will now lock your account if you complain. 

I noticed that others were complaining about these hefty hold charges on other review websites. Why are they are allowed to do this? I feel this is a criminal action and I will be going over to the ATM today and withdrawing my funds out and closing this account. American Express apparently sold the rights to Serve card to another company a few years ago ... .. XXXX . I dont understand how these big companies are allowed to misuse customer money like this. Im working limited hours during this pandemic and every dollar counts right now. If they are doing this to me ... .. then they are doing it to millions of others who use this card and making a lot of money in interest on these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
There was a Fraudulent Account Checking Account Open With Discover Bank That was Used and Open Under My Name i Never Gave Permission to Discover Bank to Open any Cheeking Account With My Name and Discover is Refusing to Closed the Account and remove this account from their Site and for some reason i was a Victim Of Identity Theft and i have no Knowledge of this account and never gave them permission to open this account {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/2019, I was considering hiring XXXX for our wedding but after receiving threats and horrible customer service, I wrote a XXXX review exercising my right of freedom of speech as a citizen of the United States. XXXX then threatened to cancel my contract, although in the contract it stated both parties, me ( the consumer ) and the company had to agree to cancellation, instead they forged a false signature that is not mine and threatened me with a NDA for exercising freedom of speech. Moreover, this company has done this to many couples and clients ; just go look at the reviews they havent had deleted. I was using my chase credit until the company cancelled my contract, and although I explained this all to chase, chase still added the fraudulent charges to my credit. Additionally, chase never listened to my plea regarding XXXX fraudulent tactics and instead reported charges for a service we never received but was charged for. I was never asked to see my real authentic signature, nor can a citizen be punished for writing a XXXX review. XXXX has provided false documentation and I refuse to pay for something I did not sign or agree to. A contract must have an offer and acceptance. XXXX committed Fraud ( namely false representation of facts ) and Chase did not authentically investigate, they only accepted an old contract that was not my signature. JPMorgan Chase is trying to make it harder for its credit card customers to sue the bank in court because of their scamming tactics, but my lawyer and I will fight this until fair business is done. Nevertheless, the XXXX party was coercing and threatening me to sign the new agreement. After I wrote several complaints, XXXX  offered to reinstate my contract and wrote a new signature is not needed, but I never agreed or signed the new contract they tried to force upon my husband and I. I did not sign any revised contract. My own signature is not on the contract. Additionally, to Chase, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item that is listed on my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
During the month of XX/XX/XXXX I was made aware of an attempt to collect a debt on my credit report. 
XXXX XXXX, XXXX Credit ID : XXXX Credit Account # XXXX  XXXX Comment code : FW reports that I have an account with them and I do not. This was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX   or XXXX XXXX, therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 

This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They have no proof of this being a debt of mine. I was a victim of credit fraud and it has been well documented. This is a clear violation of the Fair Reporting Act. I would like the CFPB 's help in correcting this issue.

Company response to consumer: Closed with explanation