vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX and received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. I realized after several attempts that my disputes were getting denied immediately and that representative was pulling me into a cycle of starting a dispute and getting denied without investigating the case. 
I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they responded back on XX/XX/XXXX. In their response, they wrote that they made their decision without reviewing any of the documents I sent to them. I had sent them a police report and multiple declarations of fraud explaining the sequence of events. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. It was frustrating to learn that American Express made their decision to refuse giving my money back without an investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: SC

Complaint narrative:
My wallet was mugged and my wallet was stolen. Someone has been using my information to open accounts in my name that I have no clue about. I am trying to keep track of all the accounts but I keep seeing new ones appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
i dispute item 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: VA

Complaint narrative:
I purchased a American XXXX from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called XXXX to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, MrsBpo llc for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have made every single one of my payments on time. Ally misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & XXXX  credit score which hasn't been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XX/XX/2021 {$210.00} I informed them I have not every applied or used the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CT

Complaint narrative:
Credit Control LLC claims I owe {$3400.00} to XXXX XXXX  which I believe to be XXXX XXXX, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with XXXX closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX  XXXX  has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. Credit Control LLC is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
2004 I cosigned in a vehicle and and the other signer I took to court to have him take full responsibility and I was no longer a buyer on this agreement and now almost 18 years latter and after a court dismissal on my behalf and the XXXX letter i sent asking to not contact me as I'm not on the lease agreement and I spoke and left message bro 7TD Auto finance LLC / XXXX XXXX I have seek legal action on harassment charges if I'm contacting again .. Do Not harass me again about this matter no letter 's or call are I will fill a report! No w I have received a other collection later and looking to get a lawyer about this harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have overdraft protection with the Bank of America. Yet it continues to charge me {$35.00} per overdraft! 

XXXX XXXX. {$35.00} XXXX XXXX. {$35.00} The result is constant overdraft of my account. 

I am under the overdraft protection not to be charged an overdraft fee yet the Bank of America continues to do this despite my many complaints to them! 

Totally outrageous!

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 2021-07-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I am writing you because I have a huge problem. 

I have for the past 6 months been disputing inaccurate items on my credit report. XXXX  and Equifax has neglected to respond to me and provide me the proof. Although they have continued to send me emails and tell me these accounts is validated. I have continued to ask them for validation and to this day I still have not received anything. It has been at least 60 days since I have first asked for proof of debt from both companies for the following accounts 1.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

2.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), these companies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent accounts. 

I started my dispute process XX/XX/2021. 

My last disputes which were sent in on XX/XX/2021 which would be my fourth round of disputing these fraudulent disputes. I am deeply hurt because this is affecting my chances of getting approved for a mortgage. Please help. 

I would like both of these companies to remove these erroneous and fraudulent accounts from my credit report. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I opened a credit card with XXXX  XXXX XXXX  on XX/XX/2019 with a {$300.00} credit limit, I closed the account 4 months later on XX/XX/2019 I have proof I closed this account from XXXX  XXXX XXXX. For a year and a half they have charged late fees and other fraudulent charges to this account totaling XXXX $ and it has now popped up as a derogatory mark on my credit from midland credit XXXX. I have never received a letter or phone call from XXXX  XXXX stating I owe money other than the account was finalized on closing. I have contacted midland credit XXXX  and they have cussed me out telling me lets make this easy on you, you owe us XXXX money I have sent proof over to XXXX XXXX XXXX  XXXX  XXXX  including midland and can not get this disputed due to midland stating all is accurate and disregarding the proof I have sent over. This has now impacted my credit score and any other credit cards/loans I may need in the future. I have followed all the steps and am now at a loss on what to do. Midland will not help and when I call XXXX XXXX  they say if another creditor is on the case they have nothing they can do. I closed the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXX Transunion 2.XXXX XXXX Transunion 3. XXXX XXXX XXXX XXXXXXXX XXXX 4 . XXXXXXXX XXXX Transunion 5 . XXXX XXXX XXXX XXXXXXXX XXXX  6 . XXXX XXXX XXXXXXXX XXXX 7 . XXXXXXXX XXXX XXXXXXXX XXXX  8 . XXXX XXXX XXXXXXXX  XXXX XXXX  9 . XXXX XXXX- XXXX Transunion 10 . XXXX- XXXX Transunion 11 . XXXX XXXX XXXX Transunion 12 XXXX XXXX- XXXX 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
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Costco Citi Visa credit card. Until recently, my credit limit was {$8200.00}. I have never been late and always paid on time. Recently, I paid off the balance of {$8000.00}. Even though the payment was made via ACH verified funds, Citi delayed crediting my account for several days. This delay in applying bonafide funds to my account adversely impacted my credit profile by showing a higher balance than XXXX balance after the account was paid in full. After I complained, Citi reduced my credit limit from {$8000.00} to {$4000.00}. This act treated me differently than it treated other customers in a similar situation. They sent an adverse action letter stating the reduction was due to having a late payment with another creditor. This explanation is mystifying because this delinquent mortgage account has been delinquent throughout the period I had a higher credit limit with Citi credit. Additionally, During the period I have a higher credit limit, I had a much lower credit score than when the reduction in limit went into effect. This practice of Citi 's conduct is discriminated against me on the basis of my race as being a XXXX XXXX XXXX. Otherwise, no legitimate business reasons exist for Citi 's conduct in adversely reducing the limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: NM

Complaint narrative:
As of today I have received endless emails regarding my student loans and repayment even though there is a moratorium on Student Loans until the end of XXXX. Today 's email stated I was past due and the company has placed my student loans back on my credit report impacting how many accounts I have. They have failed to send documents I needed through the mail to show my name change and proceed with reducing my monthly payment and when I did call I got told I had to complete paperwork with the federal government. They refuse to help or work with me directly. The debt with them does not reflect when I pull up my federal loans and this ongoing harassment is not going to be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
opened a Wells Fargo account online and when you open online you dont get to set your pin they mail you one after they mail the card my mailbox was broken into and card and pin were stolen there were multiple transactions that were made using my card that were somehow reversed except for 2 atm withdrawals and and a cashapp transfer since I never received my card and pin I had no access to my online banking which the thief locked me out of and changed my address my phone number and email address XXXX transfer was credited back to account and stolen again and atm fraud claim were denied and now Im out of about {$2500.00} XXXX XXXXXXXX XXXX transfer and {$700.00} atm withdrawal XXXX XXXX {$700.00} atm withdrawal

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 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credova Holdings Inc
State: VA

Complaint narrative:
I purchased a American Eskimo from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called Credova to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, XXXX XXXX for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was closed with know warning and they said it was due to a policy about if an account is over drawn for 60 days they close it. Was not in my paper work and now I have no way to be paid from my new job. I know this is erroneous due to having my account over drawn for longer before.

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