vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express never told me there was any sort of limit to their extended payment option. In reliance on that option, I made some large purchases. To my surprise and horror, I received a minimum payment bill for over {$9000.00}. As I am XXXX, my options for customer service are online chat, email, or fax. I do not use TTY or voice telephones. On American Express online chat, I was told I was at the limit for extended payment and there was nothing they would do for me about breaking up the huge payment unless I use a voice telephone. Upon further escalations, I was told they have TTY available and that's all, unless I provide my personal information to another person and allow them to contact on my behalf. That is a discriminatory and demeaning option which I rejected. I was informed the ONLY ability to contact anyone who could help me is telephone or TTY. Later, they told me I could write US Mail and gave me an address. 
As the payment is due XX/XX/XXXX and it is now XX/XX/XXXX, that option will not work. 

This is not the first time American Express has refused to offer alternative communication routes for XXXX customers. In XXXX, when I found my interest rate had been raised despite my payment being returned due to an identity theft incident which I had disclosed to American Express ( and for which I have police reports and other documentation ), they also refused to assist me except by voice telephone. 

As an aside, during the chat conversation, as you can see in the transcript, their first associate, " XXXX, '' provided me with another customer 's PII. Ironically, when I asked for an official transcript of the chat after I had escalated twice, the supervisor told me they could not provide me with a transcript for privacy reasons. When I waived privacy rights, they still refused to give me a copy. Luckily, I was able to capture the transcript from my browser and cut and paste it into a file. 

As you can see from the transcript, American Express discriminates against XXXX people in that they will only offer certain services to individuals who can use voice telephones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( Check into Cash ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a XXXX XXXX XXXX, they asked for my XXXX XXXX. I told them that it is a matter of public record and that they can contact the XXXX XXXX or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I opened a walmart Wal-Mart store credit card XXXX XXXX. They decided to change my card on XX/XX/XXXX to a Wal-Mart MasterCard. I checked my credit report and it is showing up as a new account. I never gave walmart permission to do another hard inquiry on my credit.So my credit score dropped a few points. I never knew it was legal to rerun credit without permission. I never asked them for a credit limit increase or anything. It shows that this is a new account and it is not. I tried contacting Wal-Mart earlier today and it would have been more effective to talk to a brick wall The attached files are just an example of one of my credit reports. I don't think i need to upload all three for them to understand why i am not happy

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 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
From XX/XX/2014 through XX/XX/2014, XXXX  is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from 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 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
From XX/XX/2014 through XX/XX/2014, XXXXt is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XX/XX/2014 through XX/XX/2014, XXXX is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from 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 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Attached is the new contract and HUD for property

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 2018-08-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK
State: FL

Complaint narrative:
For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
The account was removed from my credit report yet I received mail from a law office attempting to collect the debt as well. I am not sure if the debt was sold. The validity of the debt has already been disputed and removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I did business with XXXX XXXX and charged it to my Bank of America credit card. They added a second charge for {$920.00} that I did not authorize or even tell me about. The charge is for towing my vehicle and is for {$920.00}. If they had approached me with this amount I would obviously have denied it as it is not only my responsibility but completely exorbitant. 
I reported this to the credit card company and they say that the charge is to a third party, because my insurance coverage with " XXXX XXXX '' was supposed to pay it, but XXXX XXXX would not pay it because they said it was not authorized because of the high price. I would have told XXXX XXXX the same thing IF they had contacted me and told me they were going to charge me that amount for towing. 
The bottom line is I NEVER authorized XXXX XXXX to make this charge to my account. I was never even informed by XXXX XXXX that they were going to charge my account. Merchants are not allowed to add charges to a credit card " just because they want to '' without the consent of the credit card owner.

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 2018-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc.
State: DC

Complaint narrative:
This company by the name of XXXX has contacted my family members without my permission and has also contacted me multiples even after I requested them to cease and desist with the calls. This mishap started around the week of XX/XX/XXXX. When I asked who the company was they only stated the above XXXX XXXX. I asked what did the matter pertain to and they didnt say only asked was a name. Since I have no meaningful relationship with this company nor do I have any recollection of receiving services or goods, or even partook in commerce with this company I asked them to stop calling my self and any numbers related to my information they obtained without my written consent, which in my eyes constitutes identity theft per consumer definitions, and the lady stated my number is deleted and I will receive no more calls. Well, on XX/XX/2018 I received another called in which I told the lady on the other end that I have already requested your company stop calling me previously and that your company is now in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I purchased a XXXX phone from best-buy using my Best-Buy credit card issued by CITI bank. In 2 months the phone stopped working and I contacted the manufacturer about it. The manufacturer was very hard to reach and to understand, probably the worst customer service I have ever seen in my entire life. I sent the phone to them and after 1 month they send the phone back saying that they can not repair with a hand written note saying that it has water in it so can not be fixed. 
I contacted the manufacturer but they did not seem to understand my situation. I have never used the phone in water or in the bathroom. Later they stated that because I live in Minnesota where the temperature is extremely cold the phone got damaged due to that. I stated that that's the worst excuse I have ever heard but they denied to fix it. 
I filed a dispute with CITI bank stating that the quality of the merchandise was not as expected but they denied the claim saying that I have receive the item. I disputed for the quality of the item not about receiving or not receiving it. 

Both the XXXX and CITI Bank are very rude and not ready to help. Please sort this out for me and a refund. 
'

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 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America was negligent in sending a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. 

On XX/XX/XXXX the sender alerted law enforcement and Bank of America, instructing Bank of America to send a service request immediately to the receiving bank ( XXXX XXXX ). Freeze the account and get the {$78000.00} back as there was evidence of criminal activity. 

The XXXX XXXX account was immediately frozen and on XX/XX/XXXX, 5 days later according to XXXX XXXX   's own bank statement, there was {$48000.00} in the frozen account - see attached bank statement from the receiving XXXX XXXX which was provided to the investigating detective. 

On XX/XX/XXXX Bank of America deposited only {$23000.00} back into the account of the victim. 

Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That is MY 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 monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I was in the process of buying a home and a few days before closing my lender explained that new collections hit my credit report. I immediately called XXXX XXXX agency and paid the amounts and asked that they delete the collections because I didn't receive notice of the collections. My credit score prior to this occurrence was in the 800 's and now I'm in the mid 600 's. I have two issues with how this was handled. 

1st- the medical debt was one occurrence and they reported it four times which decreased my credit score greatly. 

2nd- I didn't receive bills regarding these collections and If I did, I thought I paid them in XX/XX/2017. Their billing system is very confusing and I was working with the hospital and insurance. They didn't call me to ask why they didn't receive payment and I thought the issue was resolved. I had over 100 k in medical bills and it's very confusing to know what's paid by insurance and what i was responsible for. They claimed that they sent letters but were very vague and unwilling to help me. I am more than willing to pay my bills but XXXX XXXX XXXX don't make it easy. I even called in during this time to verify the collections I paid below and I wasn't notified that there were others sitting out there, I would've paid them had I know. 

3rd- I think it's unfair that my score goes down over a 100 points for services that were unavoidable. I have never had collections in the past and my other trade lines are paid on time and with minimal balances. I am currently doing a renovation loan and thought the issue was resolved until my mortgage lender pulled my credit. The other scoring models I subscribe to rate my credit much higher. I am going to pay a higher rate and fees if this issue isn't resolved and I am hoping you can help with this matter. 

I appreciate your time and please feel free to call me at XXXX or email me at XXXX XXXX XXXX XXXX XXXX Check # XXXX was mailed to XXXX XXXX XXXX for receipt by XX/XX/2017. 




Funds were withdrawn from your XXXX XXXX account on Info Not Available. 


Pay XXXX XXXX $ XXXX On Info Not Available Info Not Available PAPER CHECK Processed XXXX XX/XX/XXXX ( Estimated ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request an investigation from the TransUnion company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By XXXX, financial Injury. 
Protection under the FCRA, FCRA Section 623. 
Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). 
The Credit bureaus, " TransUnion '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 
I gave them all the original information of the companies, TransUnion did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. TransUnion refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. 
As the FCRA and TransUnion do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and TransUnion . 
You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. 
I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information

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 2018-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
In XX/XX/XXXX I purchased a brand new XXXX XXXX. The dealership pushed me towards using XXXX XXXX for the vehicle and I accepted. After the first paperwork was filled out on the vehicle and my down payment was accepted there was an issue with something in the paperwork and I had to come back in and re-sign every page again. 

To my understanding we set up auto-pay that day however the following month I learned that there had been another mix up and I was about to be late on my payment. I paid in full plus a fee that morning on the phone. 

Later that week I was able to log into my account online and link my bank account and set up my auto-pay from my laptop during a business trip to XXXX. I made another payment and was happy everything was finally taken care of. 

XX/XX/XXXX my credit monitoring alerted me of a 30 day late from XXXX XXXX and my credit had dropped XXXX points below where I could qualify for the home we were purchasing! I immediately got on the phone with XXXX and inquired what had happened and paid the back amount of almost {$5000.00} with fees and penalties and the person who helped me made sure that auto-pay was set up and reflecting on both ends now and informed me there had been issues similar in the past after apologizing to me. 

They refuse to give me any form of resolve or letter to have this mistake and 30 day late off my credit to this day.

Company response to consumer: Closed with explanation