vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I tried to get money from the ATM and couldnt. Then I checked my email and it said that my card was closed due to an violation that I know nothing of. I have money still on that card and I cant reach them by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: OH

Complaint narrative:
I have a issue with XXXX XXXX Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.

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 2020-05-19 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: OH

Complaint narrative:
I have a issue with XXXX XXXX XXXX. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: OH

Complaint narrative:
I have a issue with XXXX XXXX XXXX. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.

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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account was opened through a dental office which granted them full access to charging this credit card, they abused their access and overcharged the card with fraudulent services that I didnt obtain. The young lady who did this was fired from the office but I didnt know she had already abused this account and my credit was affected. I attempted to tell the credit card company they ignored me and I attempted to get the office to help me but their only response was the young lady was let go The financial records they provided to me dont match the credit card records and no one in the office will give me anything in writing admitting what transpired. They ignored my calls for years and now Im in debt with this credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is preventing XXXX from syncing my PNC account to they're gas credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone has used my Mother 's checking account number and/or debit card number from Chase Bank and has charged in excess of {$2200.00}. All payments were made to XXXX XXXX. In speaking with XXXX XXXX XXXX, they informed us that there are two separate individuals in the XXXX area that are responsible for this fraud. XXXX has agreed to return all monies that were fraudulent, however they require a late ACH payment form from Chase Bank. Several employees from Chase bank ... branch employees through supervisors in the Fraud Department have refused to provide this form for us citing because my Mother has a valid policy with XXXX they consider it to be a valid merchant. Despite pleading with several Chase representatives, they all continue to deny this request. Date of fraudulent transactions are XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 and XX/XX/20. The account was closed and a new account was opened so no further charges could be made. Also, a police report was filed with our local Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mortgage is a XXXX XXXX mortgage. I was granted an automatic forbearance agreement. Under the Cares Act, the mortgagor is not to report the mortgage as late in payment. Wells Fargo, my mortgagor, reported my account as current but included in its report that I was in forbearance agreement even though I was never late in my payments prior to the hardship caused by the coronavirus, i. e., I  was not in a forbearance agreement. As a result of Wells Fargo 's erroneous reporting that I was in forbearance, a lender who had committed to refinancing this mortgage withdrew its commitment. 

I have brought the mortgage account current, but Wells Fargo would not write the credit reporting agencies to request the removal of its erroneous report that I was in a forbearance agreement.

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 2020-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I'm being charged for an amount of {$230.00} and I don't recognize this account. I have tried to resolve this several times in the past and have not had any solution. Please I need this removed from my credit. I'm trying to apply for a credit card. Thank you Dates XX/XX/2019 ( 9 months )

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 2020-05-19 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: AR

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I attempted to log into my account Through Bluebird american Express prepaid card account. The website told my password was wrong, I attempted to reset my password and it would not allow me but sent me an email stating Hi, XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team I read the policy and I have done nothing to as which it states. I have tried to call all the numbers within the states to contact them and no one can help me or tell me how to resolve this issue. When I call the number on the back of my card all it tells me is my account is closed and hangs up. I have called American Express they have no idea how to fix the issue/ I had a guy tell me to choose lost card to get an actual person on the line by calling a number he had not the one listed on the website. I did that and the young lady told me it could be months before this is resolved. I do not have months I have a family account set up with this prepaid company I have money in my savings through them plus my unemployment had just been deposited 20 minutes before i got the notice it was suspended/ Can you please help meXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.

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 2020-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested my bank ( XXXX XXXX, XXXX CA ) to transfer {$30000.00} to my bank account in XXXX ( XXXX XXXX ) where I am living and unable to return due to the travel situation. The {$30000.00} was debited from my account on XX/XX/XXXX, and has still not been received. This same transaction request with the same institutions have been made over the last 8 years with frequency and the process takes an average of one to two business days. 
XXXX XXXX has not been able to find my funds and XXXX XXXX claims it is the responsibility of the sending bank. The transfer bank is apparently B of A. I have correspondence between myself and my two banks. I have the wire numbers. I have the statements from both banks that there is nothing they can do? 
I am in a critical financial position at this time and without these funds will risk high fees and possible eviction. 
Thank you for any action that may be taken to locate my funds.

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 2020-05-19 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: NY

Complaint narrative:
I have tried to submit my dispute regarding the one fraudulently opened XXXX  account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.

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 2020-05-19 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: NY

Complaint narrative:
I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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 2020-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my father designated me as a beneficiary on his payable-on-death account. My father passed away on XX/XX/XXXX. 

Despite numerous requests on XX/XX/XXXX to the present, American Express National Bank ( AMEX ) has not complied with the account payable-on-death designation. 

Most recently on XX/XX/XXXX, AMEX - despite receipt of copies of the account POD designation and my father 's death certificate - claimed that they had no evidence of the POD beneficiary designation. On XX/XX/XXXX, I provided American Express ( AMEX )  with documentation of the facsimile transmission records my father saved of his designation dated XX/XX/XXXX. 

To date, AMEX still has not released funds to the designated account beneficiary. The record substantiates that I am entitled to the account funds, with over 591 days since my father 's death.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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 2020-05-19 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: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
They keep signing me out of my account and when they answer you its case closed you have no power Im going to send all your useless answers to every senator and congress man and women I think you serve no purpose I have seen.no one you have ever helped but yourself Im going to sign the petition that all you do is waste government money I hope to XXXX  useless XXXX  lose your jobs there is no need for bums like you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I first received a text message on XX/XX/2020 from a phone number of XXXX, asking me to Contact Convergent Outsourcing Inc at XXXX regarding my XXXX XXXX Account. The message also stated it was a n attempt to collect a debt. I contacted XXXX, immediately afterwards and was told I do not owe them any money. 

Someone named XXXX XXXX called me a few days later stating she was with Convergent Outsourcing, and t he purpose of her call is an attempt to collect a debt, and asked me to verify the last four of my phone number. I relied to the caller, I will not, and that the call is a scam, and ended the call. 

I called XXXX again, and was told I do not owe them a balance. 

I received a letter in the mail dated XX/XX/2020, stating I owe a balance of of {$63.00}. The letter had the address of the collection agency as XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX, XXXX, WA XXXX I contacted XXXX on XX/XX/2020, and eventually spoke with a supervisor. He attempted to contact the collection agency by phone at XXXX and while we were all on a three way call, the same person who contacted me stating their name was XXXX XXXX was on the line, and stated she was not able to access an account for me, with the account number, reference number, or phone number provided, then she stated, she could not access the account because she is having computer issues. We ended the call. On Monday XX/XX/XXXX, I requested a credit freeze on all three credit reporting agencies. Something is wrong here, and it needs to be resolved. I have my account statements that show I do not owe a balance.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I submitted a complaint about Comenity Bank charging me a late fee/past due of {$120.00} and submitted to the three credit bureaus that I was late. After Comenity Bank reviewed my account they discovered that I was correct and was supposed to correct the error with the three bureaus. But, the {$120.00} was never reversed and the fee is still on my account, The {$120.00} fee that was not to be on my statement. I am requesting that the fee be reversed/credited back to me, because I was NEVER LATE OR PAST DUE.

Company response to consumer: Closed with explanation