vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hi I just bought a car in XXXX and my 1st payment was due on XX/XX/2020. Due to the covid crisis I was not able to pay the first installment in XXXX.. I just called my loan company Santander and made the first payment and will be making the next one next week for this month. 

Santander informed me that they reported my payment default to the bureau for my XXXX payment.. I would like to request to clear that out from my credit record as it was not intentional but I was off work because of the lockdown and covid 19 crisis. 

My credit record is new and I dont want to spoil it because of something which was not in my hands. 

Kindly do the needful Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Attempted to resolve, company wasnt willing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Not only am I an essential worker bringing in a paycheck weekly but Ive never missed a payment on any of my accounts in my credit history. Nothing in my credit report changed and for some reason I received an 80 % decrease in my available credit overnight with no explanation or warning!!! 
I have made over 15 calls because I would love the opportunity to keep my card and the benefits, but still no resolution. Worst customer service I have ever received. Not only have I spoken with numerous representatives from American Express several of them even told me that the situation doesnt sound right.Im horribly disappointed with American Express and lack of help, especially because I have been a customer for over 5 years and have always paid my cards off in a satisfactory manor. I will be switching to chase or another reputable credit card company because for some reason their pre-approvals are over {$5000.00} more than my original limit ... which btw was decreased 80 %! This just doesnt make any sense to me. I work in the XXXX  industry as a XXXX  XXXX and it sounds like a direct violation of the equal credit opportunity act as they are refusing to reinstate my limit even though I qualify. Theyve also countered offered with terms that are less favorable than those terms offered to someone with similar qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I have contacted the third-party XXXX XXXX. Regarding Experian confirmation on my dispute of the accuracies of bankruptcy XXXX, Experian is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Experian claimed to be apart of bankruptcy 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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I applied on XX/XX/2020 for unemployment and choosed the debit card as the way I wanted to get paid ... .. I have been calling XXXX and since there is nothing to choose from as in not getting a card the only option I have was lost stolen or I cant do that for the simple fact of no PIN number ... .. I have called XXXX and there is the option of not receiving a card but I have called every day and wait four - five hours and still no one answers. Understand that there is probably a bunch but man o have been sleeping outside under a restaurant porch being harassed by the cops and its not easy trying to find WiFi and sit for hours on someones property that the cops dont allow you to go on ... .. I have 4 unemployment payments that is 4 weeks of unemployment money that can get me a motel room and find a house to move in .... I can actually eat a hot meal instead of bags of potatoe chips .... it has been freezing cold and rainy every night ... .. then Im told by one of my co workers that if the money hasnt been touched in a month all my money goes back .... like this is so unfair ...., I dont have a address so my place of employment has me sending my mail there and no mail ... .. I have begged complete strangers for rides to post offices to be told there is nothing there for me, ... .. like I dont know what to do something has got to give my life depends on this card cause now there is no sleeping outside allowed ... .. Im in a motel room right now for three days can I get my card overnighted to where I am at take the money off the card there is over 2 grand on it ... .. like Im begging someone to help I have sent three emails to XXXX and nothing I am right now have been on hold for 5 hours on this XXXX and Im about to just give up yall are my only hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: TX

Complaint narrative:
On XX/XX/2020, I called credit conditions acting on behalf of XXXX the credit company at XXXX and spoke with XXXX XXXX and settle the amount which was originally {$1300.00} to an offer presented to me for settlement at {$610.00}. I paid in full {$610.00} with the agreement that the account will be closed and all three major bureaus will be notified to {$0.00}. I later got a letter stating the account is settled. However, all three bureaus still shows I owe a balance of {$740.00}. I keep getting calls from this company stating that I still owe them. I contacted XXXX 's and was told my balance is {$0.00}, but I don't know why I keep getting these calls. I want all 3 bureaus notified to {$0.00}.

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 2020-04-27 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 {$0.00}, {$2300.00}. 
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 on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed 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 ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -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 2020-04-27 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: IL

Complaint narrative:
I have contacted the third-party XXXX XXXX. Regarding Equifax confirmation on my dispute of the accuracies of bankruptcy XXXX, Equifax is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Equifax claimed to be apart of bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX Synchrony card makes it impossible to see what your charges are for. 

If you have a huge balance on your account and want to know what the charges are for, it is impossible to get an answer. I have spent hours on chat with agents unable to provide basic details about charges. All I am seeking is an itemized receipt that lists the charge for the item as well as charges for taxes and shipping and credits for rewards dollars and returns. 

They offer you 2 options : - View Statements under Account Activity. This is just totals. No itemization. 
- Enter your order number into the main XXXX XXXX  XXXX site. Again, this only yields totals. No itemization. 

One agent mentioned that an itemized receipt could be sent within 30-60 days ( well past the payment due date ). She did not confirm that she would send this and no one else was able to offer this.

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 2020-04-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed a dispute with Citibank over a charge made by Costco. Citibank never allowed me to provide documentation about this dispute ; they never allowed me to even explain my dispute ; I couldn't even talk to a representative about this dispute. Citibank now claims it needs more information, but will not provide me a way to give them the information they are asking for. Attached are screenshots showing there is no way for me to give Citibank information they asked for Put simply : Citibank is using delay tactics to prevent me from giving them information to properly adjudicate my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
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 on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed 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 ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -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 2020-04-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
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 on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed 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 ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his XXXX XXXX, The Mortgage Connection and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX on a temporary visa and so I was afraid to challenge or report my husband for fear of XXXX. He continued to purchase and sell Real Estate and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately XXXX XXXX dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. XXXX XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sent money through paypal XXXX was the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America. On XX/XX/2019. 

I want my {$500.00} returned but bank of america won't work cooperate with me to get fraudulant companies to give me my {$500.00} nCk. 

XXXX XXXX XXXX  in XXXX duped and defrauded me. XXXX XXXX works with XXXX XXXX  and they took my money. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by XXXX XXXX. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX . 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX 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 2020-04-27 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: FL

Complaint narrative:
I couldnt find the right response. So Im explaining here! Im trying to fix my credit score and a couple of things went off of my report.my score went down for no reason.i bet if a paid for XXXX boost it would not have gone down the credit reporting seems corrupt to me thats my complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IN

Complaint narrative:
XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: IN

Complaint narrative:
XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IN

Complaint narrative:
XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.

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