vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over three months ago, I contacted American Express about an incorrect payment I applied to one of my two Amex accounts : the {$500.00} needed to be transferred from account ending XXXX to account ending in XXXX. After that phone call, I have never since been able to access a monthly statement for either of my two Amex accounts. I have spoken five times and spent over ten hours on the phone between customer service and technical support, the last was with technical support three weeks ago who stated they would have my online access restored within one week ( two weeks ago ). Today, XXXX XXXX, I attempted to get online access, the only way Amex allows me my account information, was again disallowed. I again spoke with an Amex customer service rep and also wrote an email to XXXX. Amex is breaking the law because there is no way I can see my account statements for the past four months now and I have no way of know what happened to that {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent a letter to the 3 credit bureaus regarding my Dept Ed/Nelnet account, I didn't recognize this account from Dept of Ed/nelnet and requested they remove it, this shows as a closed account on my report. Instead, they dinged my credit report for the month of XXXX and XX/XX/2021. I later realized I had paid these accounts off and do not owe anything. 
I want this fixed on my credit report because this dropped my scores by 54 points by reporting them negative to the bureaus. Can you please help me resolve this. I don't understand how they can ding me for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to manipulate my credit rating. On XX/XX/2021, my XXXX XXXX was " XXXX '' although I have an " Excellent '' credit rating with my creditors. My credit rating decreased by XXXX points on XX/XX/2021, and changed from " Exceptional '' to " Very Good '' for no apparent reason. Experian continues this pattern for no apparent reason.

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Netspend Corporation
State: WI

Complaint narrative:
i made complaints over the phone in the past about Netspend. This company has stolen hundreds of dollars and it is time that they pay the month of XXXX and XX/XX/2020 they stole {$60.00} then {$160.00} and yesterday XX/XX/XXXX I realize {$50.00} was stolen and now Netspend has made it impossible for me to login my account and every time I call the automated voice mail states that they're not taking any calls then say good bye and then hang up.

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 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
I was accepted for a car loan through American Credit Acceptance in XXXX. The amount loaned was about {$8000.00} at a high interest rate. It is now XXXX and my work has been affected by the pandemic leaving me unemployed for about half of the year in XXXX. I have paid over {$12000.00} on my car that is now only worth {$2500.00} according to XXXX. I offered to pay them {$3000.00} coming to over {$15000.00} to settle and pay off the car in full. They rejected my offer after explaining my situation and that i have paid over {$3000.00} in repairs. I can not refinance the car due to its age and mileage. When i called the pay off was {$5400.00} and even though i have been affected by this pandemic they still did not accept my offer. I believe this is Bad Business Practice as i have already paid so much over what was loaned and what the car is worth. I do not want to file for Bankruptcy so please be more compassionate during these times. I offered them more than a fair amount only to get rejected and taken advantage of. This is a Predatory company taking advantage of people who are already going through hard times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
XXXX bank have my XXXX  and the amount I paid on monthly basis was XXXX. There was a credit on my account for {$1500.00}. Total loan amount was {$94000.00} and XX/XX/XXXX, when I refinanced the loan my refi bank paid XXXX {$95000.00} Including all the closing cost that was required. To date XX/XX/XXXX XXXX has not sent a final statement All I received is a check of {$160.00} with out any explanation of how my credit was applied towards the account. I have spoken with bank customer services and no one is giving me a straight answer. 

XXXX : XXXX XXXX Loan Started in XX/XX/XXXX {$94000.00} Credit as of XX/XX/XXXX on XXXX account {$1500.00} Loan closed by REFI XXXX with amount {$95000.00} Received a refund of {$160.00} without any explanation on closing statement. My new lender shows XXXX was paid off with all the associated closing cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent in documentation by mail and uploaded documentation online through the Transunion website because there are items that are supposed to be deleted from the credit bureau. They keep saying they are not receiving my documentation when I have proof of certified mail and online screen shots.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-03-17 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in XXXX day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you 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 your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according XXXX XXXX Code XXXX XXXX a ) A financial institution XXXX not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My TD bank check was somehow stolen, forged, multiplied and my account was emptied in beginning of XX/XX/2021. 
The bank Fraud department not answering my multiple requests about the status of investigation and not reimbursing me for stolen money. 
There was a clear negligence in cashing the forged checks, that sometimes had the same exactly numbers, or different name that my company. 
XXXX XXXX, the owner

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I noticed someone had fraudulently accessed my unemployment card and somehow was able to make numerous charges at XXXX XXXX and XXXX, XXXX, XXXX XXXXt XXXX and XXXX XXXX in XXXX XXXX. I live in Georgia and have not been to XXXX in over 7 years. The card was never out of my possession. I am just wanting my money returned to me and to prosecute whomever stole my information. The credit card company is doing nothing about it and basically saying not our problem instead of helping me resolve this. Can you please help me get my money back rightfully in my account. The fact the Go Program is being so frivolous about someone fraudulently stealing my card number with them and using it without my consent is very alarming to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX XXXX had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/202, all of a sudden without any notification and commnucation, Amex closed 9 of my accounts and took away all my Membership Rewards points that worth over {$3000.00}. I was informed that a few past interactions was not very professional with customer support representatives. 

Right after I notched 9 of my accounts were closed my Amex yesterday, I immediately follow up the procedure to communicate and get help from the corporate office. 

I was decently polite and professional with an executive member over the phone to talk through the situation of the frustration I had with customer support representatives in the past. I truly want Amex to take a second look at the situation again and give each other a second chance moving forward. 

After talking to the an executive member, she told me she couldn't help to reopen my accounts. I tried talking to Amex Financial Review department to see if I could any help from them. However, I was by a Financial Review representative that she doesn't have the authority to do anything, besides documenting what we have talked in the conversation, which she did agree that I am a very respectful and fair customer. She suggested to keep calling the executive team again and have them take a look at her notes and listen to the recored phone conversation with her to have a second chance to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent 3 Direct certified letters to LVNV in no reponse back as to when or how this is my bill. I have contacted all 3 credit agencies over the last year only one removed from report. It is inaccurate until they can show me how this is mine. I still have received nothing except a signature of someone recing letter nothing in reponse sent back to me where this is mine. PLEASE help me get this taken care of I dont know what else to do besides pay for something that does not belong to me.Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XX/XX/XXXXXXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation