vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an individual credit card account with American Express. Initially, things seemed manageable, but circumstances took a downturn after losing a child. 

XX/XX/XXXX : The account balance was {$6900.00}, with a past due amount of {$1700.00}. It was marked as " CBG/> '' and rated as " COL, '' indicating that it was transferred to collection. 

XX/XX/XXXX : The balance decreased to {$4800.00}, with no past due amount. However, the exact remarks are unavailable, but it was still rated as " COL, '' indicating it remained in collection status. 

XX/XX/XXXX : The balance increased to {$5000.00}, with no past due amount. The remarks were " CLA<, '' and it was rated as " COL, '' indicating it was still in collection status. 

XX/XX/XXXX : The balance further increased to {$5200.00}, with a past due amount of {$170.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance grew to {$5300.00}, with a past due amount of {$380.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance reached {$5500.00}, with a past due amount of {$600.00}. The remarks were " PRL<, '' and it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance escalated to {$5700.00}, with a past due amount of {$820.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating persistent collection actions. 

XX/XX/XXXX : The balance was {$5800.00}, with a past due amount of {$1000.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1200.00}. The remarks were " PRL<, '' and it was rated as " C/O, '' signifying that it was charged off by the account provider. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1500.00}. The remarks were " CBG/>, '' and it was rated as " C/O, '' indicating that it was charged off by the account provider. 

Amidst these challenging account events, XXXX assumed responsibility for managing and resolving the debt. They stepped in as a debt management agency, actively communicating with both me and American Express. Their involvement played a crucial role in facilitating discussions, negotiations, and establishing a clear path towards resolving the outstanding debt, despite the ongoing calls from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet. 

I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX. 

On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature. 

With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed. 

The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account. 

On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred. 

On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision. 

On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.

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 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zions Debt Holdings
State: MD

Complaint narrative:
I received notice from Zions Debt Holdings collection company on Saturday, XX/XX/XXXX at XXXX ; Stating owed XXXX XXXX XXXX {$1000.00}. 
during the communication Zions Debt Holdings stated that " collection, late payments, delinquencies, and judgements stay on a credit report 7 years. Bankruptcies stay on for 10years, and account closed stay on for 10 years. Tax liens stay on indefinitely. 
they went on to say that this was not a new collections, even though this was this was the first they contacted me. 


I had a contract with XXXX back in XXXX. I cancelled the contract on XX/XX/XXXX. XXXX closed and cancelled the account in XX/XX/XXXX. 

On XX/XX/XXXX Zions Debt holdings sent me another notice to pay. I called XXXX today XX/XX/XXXX and spoke with a person named XXXX. XXXX informed me that XXXX did not sell this debt to Zions Debt Holdings ; Most of all, they stated they do not sell to their debt to collections agency. 
XXXX advised me not to pay Zions Debt Holdings claim this to be a scam. 

Zions Debt Holdings has since reported me to all the credit bureaus. I disputed XXXX and lost. I was denied a private student loan through XXXX XXXX to attend XXXX on XX/XX/XXXX. 

I am asking you to investigate Zions Debt Holdings and repair my credit by removing their collections on all three credit bureaus. 

Zions Debt Holdings address is XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number XXXX XXXX XXXX XXXX Account number for XXXX is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We started getting calls claiming they where American Express with no call back phone number or email address, but they where requesting payments over the phone. Also calling after hours late at night XXXX. We asked for more information and all they would say is time is running out for us? 

My CPA was also getting the calls and she had to block numerous numbers because they where harassing her for information and also calling late at night. The callers was a woman and man. 

My CPA stated to me that she thought it was fraud and block all transactions on the card and numbers calling harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit 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: PA

Complaint narrative:
I have ordered XXXX XXXX XXXX  from XXXX. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to XXXX. I mailed back the damaged package with tracking #. A day later XXXX XXXX  was order was canceled by XXXX with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXXXXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/ I have discovered on the credit card investigation package of tracking # that was sent to my address. I immediately report to XXXX that I havent never received any notification or any type of communication. XXXX agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX I was told only sender can request credit and from receiver. XXXX refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company. I have paid my credit card, {$1100.00} with fee and interest due to the failure of XXXX not filing the missing package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a vehicle at XXXX XXXX XXXX and I purchased encouraged by the finances department a gap insurance and extended warranty for the vehicle. The loan was transferred to another bank the vehicle was refinanced and the services with the current bank GM were cancelled, the payoff amount was sent in XX/XX/2023 after this payoff amount was sent, I requested for the gap insurance and the extended guarantee remaining money to be sent to me as a reimbursement, because I no longer have services with GM XXXX. After months of fighting and dealing with the bank the dealership and many requests done over the phone via email and in person, I still don't have my money reimbursed. I understand that this process takes time but how come the bank retains the money that is owned to me when they pay off amount was sent so long ago and the services were automatically canceled. I called and they don't answer my phone calls nor return any messages back. This is extremely disrespectful that they take your money and they don't want to give it back to you once they don't own it no more. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All information on credit report should be remove due to identity theft enclosed you will find the account number of a report made. There should be an account from XXXX XXXX that is not mine due to a breach with XXXX my information was used in a identity theft.

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 2023-12-15 00:00:00
Product: Credit 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: Atlanticus Services Corporation
State: MN

Complaint narrative:
I received an email stating a fortiva card had been activated. Since I had not recieved or activated a card I was skeptical. I checked my account and no pending purchases or other information was present. When charges appeared I froze the card, contacted fortiva and the police. I filed a police report and began the horrible experience with the fortiva fraud department. My claim was denied and they started they had sent notifications of spending which they did not. I sent the claims to escalation and they denied it a second time stating the card had been used in a simular fashion to past spending. I tried and tried to speak with a manager and was refused on many occasions. When I spoke of filing a complaint a manager finally spoke to me after what must have been atleast 10 calls to fortiva fraud department and numerous hours spent on hold over weeks. I was asked to then provide fortiva with the police report. I live in XXXX and the theft occurred in Louisiana. An arrest has been made and fortivas fraud department still won't honor the claim holding me responsible for XXXX dollars in charges. Apparently fortiva sent a new card in the mail without any notification prior and it was stolen from the mail. I never received the card. I am across the country from where the crime took place and fortiva now wants me to go to Louisiana to get the police report and refuses to let me speak to a manager. They lied about sending notifications asking if it was me or not using the card. I know it's a lie because they said I viewed notifications and I never got any to view. They are calling me a liar and holding me responsible when an arrest has been made. They are forcing me to be a mediator between police departments and fraud departments from across the country. They are trying everything they can to get out of honoring my claim and adding insult to injury with their customer service. This is a horrible credit card company. I have 6 other cards and never had a problem with any of them. They refuse to make this right and I've gone above and beyond to help and provide information. This stress is causing me health problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My mortgage is with XXXX XXXX XXXX. I contacted the company because I could not make a payment in XX/XX/. I was approved for a XXXX payment plan on XX/XX/. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit 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: CO

Complaint narrative:
A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX  to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX  telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX  because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. 

I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
We were scammed {$1400.00} when trying to buy XXXX XXXX  XXXX. We used my bank SouthState Bank and used XXXX to transfer the money. I made a claim with my bank to try to get the money back and they denied the claim. The bank said since it was peer to peer transaction that they couldnt do anything. I went through my mobile banking app to transfer the money, XXXX doesnt have a fraud department neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: NY

Complaint narrative:
A collection agency is trying to collect a debt from me that does not belong to me. Previous complaints have revealed that the collection agency wants to obtain information from me in violation of the law regarding collection agencies, namely, obtaining my government issued ID and filling out a legal form provided by the agency is a violation, in addition, this data will be used against me, since the agency does not have any evidence of my debt, except for public information that can be found through any search engine on the Internet. The provided handwritten contract, which is evidence, does not contain my signature, or rather there is a signature, but it is not mine, the evidence also contains Form XXXX in the name of a citizen of the XXXX XXXX , although I am a citizen of the XXXXXXXX XXXX XXXXXXXX XXXX According to my rights and the law, I am not obliged to provide the documents that the collection agency requires from me, and the collection agency does not have the right to demand these documents from me. According to the law, the report I provided is official proof that this debt does not belong to me. In turn, I have also filed a complaint through a XXXX  state attorney with the credit bureaus and will be preparing a claim against this collection agency. This record has been on my credit report for quite a long time and has caused me a lot of losses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.

Company response to consumer: Closed with non-monetary relief