vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I used to have an American Express Platinum credit card but it was closed a year ago. However, this XXXX all the sudden American Express charged {$50.00} to this closed card. Meantime, American Express never sent me any credit card bill for this {$50.00} charge until XXXX. However, the ridiculous thing was that in XXXX and in XXXX American Express charged {$40.00} and then {$29.00} late fees to my card, without sending me any credit card bill at all until XXXX. Not only late fees, American Express also sent late payment penalty info to three Credit Bureaus and completely damaged my credit reports.

After I received the first bill from American Express last week, I immediately contacted American Express. Then I found out that American Express said that I had a purchase from XXXX last XXXX and then later I returned this purchase back to XXXX. Therefore, American Express charged back {$50.00} promotional credit ( that I received last year for XXXX purchase ) to my AMEX card. However, after I contacted XXXX, what happed was that I NEVER returned my XXXX purchase at all. But instead, XXXX sent me defective hoodie that I purchased, so later XXXX decided to compensate me for this purchase. Very obviously, it was not a return at all.

I explained the whole situation to American Express Executive Office. American Express representative admitted their bank errors of not sending me any bill but charging me those late fees. Their representative Mr. XXXX XXXX credited me back those late fees. However, he was not willing to credit back the {$50.00}, which is not reasonable and total unfair to me.

American Express made three errors here : 1 ) American Express charged me {$50.00} but didn't send me any bill statement. Meantime,
American Express kept charging me late fees multiple times.

2 ) In addition, American Express kept sending late payment due information to three credit bureaus and completely damaged my credit reports ( I lost 15 points in my credit score last month, which never happened in my 20-year credit history before ).

3 ) American Express should NOT charge back the {$50.00} promotional credit to my account, because I never returned my purchase back to XXXX. American Express offer terms and conditions state very clearly that only if the purchase is returned to XXXX, then the promotional credit can be charged back by American Express. However, I NEVER returned my XXXX purchase at all. XXXX sent me credit as compensation of defective merchandise, not a return. 

I must request American Express to credit the {$50.00} back to my card immediately without any delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
We are being blackmailed by Receivable design Collection company. We reach an agreement that we will be paying monthly payments that we could sustain. After three months of consecutive payments, without any notice, Receivable design collection put a collection on our account. Following our conversation with them, we reached an agreement that we will increase the monthly payments, but they will remove the collection from our report. Now we found out that they didnt fulfill their part in the agreement and didnt remove the collection but rather updated it, confirming that the account is still under the collection. When we called them, they said that the only way to remove the collection is by paying off the balance. Because of their misleading action, I can not be approved for the parent plus loan for my daughters senior year at the university, which can jeopardize her graduation year. In order to get the account to be paid off, Receivable Solutions use decisive methods, such as putting the collection on customer credit reports without notifying them, saying they didnt keep the credit card on file although they charged the credit card several months. They use tricky techniques to victimize the people they are dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NY

Complaint narrative:
Experian, XXXX  and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT 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 2020-10-28 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On around XX/XX/XXXX I went onto the XXXX XXXX website to apply for their platinum credit card. They were offering XXXX bonus miles if you got approved for the card and to spend {$2500.00} in 3 months. Also the annual fee would be would be wavered for the first year. I click on to apply and put in all the information. Several days later Citibank sent me a letter saying that they got my application but I needed to contact the credit agency to unlock the freeze that I had on my account. After unfreezing my account I contact Citibank and they checked out my credit and approved me for the AA platinum credit card. I received the card on XX/XX/XXXX and started using the card right away. In 2 months I spent over {$2500.00}. After 3 months around early XXXX I contacted Citibank because they did not give me the XXXX bonus miles. I talked to an agent and she told me that I had signed up for the wrong card. When I applied that was the only card on the AA site that offered the XXXX mile and still today they still have that offer. The agent said she couldn't help me if I didn't have any proof. I decided to contact Citibank again several days later and talked to another agent. He filed a complaint for me and said I would hear something in 5 to 7 business days. After not hearing from Citibank I called them again for the third time. This agent said I wasn't qualified for the card because I had cancelled an XXXX XXXX credit card in the last 5 years. I told the agent that the find print on the application said you couldn't receive the bonus miles if you had cancelled in the last 12 months. In XXXX of XXXX I had an AA card with Citibank. I contacted them and said I was going to cancel the AA card and was going to get a Costco credit card. The agent told me that Citibank had the Costco card and if I applied I wouldn't have to go through a credit report. I then told the agent to cancel my AA card and to get me the Costco card. He said it would take 5 to 6 weeks for the card to arrive at my house. On XX/XX/XXXX I received the Costco card. I hadn't used the AA card for many months so I knew in XXXX when I talked to the Citibank agent that I didn't owe any money and my account was XXXX. Why would I have spent {$2500.00} on the AA in XXXX and XXXX if I knew that Citibank wasn't going to issue me the bonus miles. Why didn't Citibank tell me that when I was approved for the card??

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hi, Wells Fargo send me a letter, they told me about they closed around three accounts!! This accounts I didnt know I had!! Never saw this accounts in my mobile app, or in my statements, bc I didnt opened!!

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 2020-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I purchase the loan from westlake financial for {$13000.00} with a term of 48 months i been constantly making payment each month without missing any payments. I brought the XXXXXXXX XXXX XXXX on XX/XX/XXXX from del-auto, then i request for a payments history on my account it showing that some of my payments showing undefined, one dollar been deducted from the balance which remain the same after 31/2 years of contract payments, also my account show that the agency XXXX that was drafted out of my account that wasn't apply to my account balance. when i tried to contacted customer service or a manager there were no responds to this matter. My income is one a month SSA, during the COVID-19 westlake financial would not help any of their customer doing that difficulty time. so the amount of payments has a error with the incorrect balance that i begin when i first purchase the car for that price. so westlake finanacial sent a towing company call quick assess recovery who vadil, damage, missing personnal items from my car when they reprossess for one month of missed payment. I have all my documents showing the payment that was drafted and never apply to my account. i feel that this matter need to be address or investigate. I appreciate if you look into this situation fully. westlake financial XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX or XXXX customer service my name XXXX XXXX account # XXXX email adressed XXXX XXXX

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 2020-10-28 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: NY

Complaint narrative:
XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT 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 2020-10-28 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:
XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At XXXX XXXX on XX/XX/2020 two fraudulent transactions originating from a XXXX Bank of America ATM were processed and given approval. One transaction for {$0.00} and another for {$920.00}, that night I realized when checking my balance and made a claim the following day. I then received a letter stating my claim has been closed and I will not be getting money back at all. Bank of America is supposed to have fraud protection and are denying me funds and allowed my account to be drained by a fraudster. I am now reopening a second claim and filing a police report being told by the Bank of America that I need evidence to support an obvious case of fraud and need help resolving this matter promptly as this is my rent money.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2015 I had an account with Bank of America ( BOA ) that was hacked. I found out throw a rep someone went into the branch on the corner of XXXX XXXX and XXXX in XXXX TX and tried to cash checks on my account. They also were able to log in to my account. I request the Branch Manager show me the recording from the day so that I could see the person and we could get to the bottom of what was going on. I was informed by the Branch Manager that this issue would not receive any attention from the authorities because of the dollar amount being less the {$4000.00}. This was not a comfort to me because I had another account with XXXX that was linked to BOA. I contacted XXXX and explained what had happen they IMMENDATILY went into action to protect my XXXX account in which I am still a member to this day. 

I am now made aware the BOA has added a comment to XXXX XXXX against me for check fraud. I seeking assistance in getting this remove form my XXXX XXXX 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 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT 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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
This account with XXXX XXXX that is a fraudulent account that was opened up with out my knowledge. XXXX XXXX XXXX contact number XXXX attempted to collect on this debt of {$1100.00} and I sent documentations and regarding to police report and identity theft affidavit and this account was removed and ceased collection as of XX/XX/2020. Today XX/XX/2020 this fraudulent account was then reported back on my credit report from Enhanced Recovery Collection agency. I contacted to advised them I would like to dispute this account and they have not sent any information in regards to this debt being owed nor was it verified and this is against my consumer rights. I want this fraudulent account removed immediately due to violation of my consumer rights due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-28 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: MA

Complaint narrative:
Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andEquifax ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation