vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: NC

Complaint narrative:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

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 2020-11-18 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: NC

Complaint narrative:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

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 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XXXX XXXX XXXX, my bank account & all of my details were mysteriously unlinked from my cashapp account & replaced with details from an unknown person. I didn't recognize the details, nor do I know how they gained access to my account. Everytime I tried to remove their info & replace it with mine, they changed it back. Infuriatingly cashapp has no option to log out of other devices or see what devices have been logged into the account. Eventually, my account was locked a few hours later. 

I got an email on XXXX XXXX, XXXX saying my account was unlocked, however in actuality my account was just deleted, causing me to lose my previous balance. I previously had {$170.00} in the cash app balance, {$100.00} worth of XXXX XXXX, & {$20.00} worth of XXXX XXXX XXXX stock all through the app. 

I have made multiple attempts to contact cashapp customer support but each time they say they will investigate the claim & then never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NV

Complaint narrative:
Someone use my name and identity to purchase a truck Ive never seen or heard of. Now it is hurting me in my load process.

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 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Payment Resolution Services
State: FL

Complaint narrative:
On XX/XX/XXXX a medical flight was taken for our now deceased son and was covered by XXXX XXXX XXXX XXXX. XXXX  XXXX sent us the money for the full amount of the flight, and months later we gave the full amount of the check to XXXX XXXX XXXX for the flight. 
On XX/XX/XXXX, a year later, XXXX  XXXX stated that they over paid us, and now wanted us to repay {$790.00}. We appealed, but during the appeal process XXXX  XXXX kept sending us an overpayment recover letter. 
On XX/XX/XXXX PAyment Resolution Services out of XXXX, TN sent a " Refund Request '' letter stating that for that service we now were in collections for {$790.00}. 
On XX/XX/XXXX a settlement was reached for {$430.00} with Payment Resolution Services and paid, authorization code XXXX. PRS stated a XXXX balance letter would be sent, but never came. Numerous calls were made, 23 to be exact, most to Payment Recovery MAnager, XXXX XXXX. XXXX XXXX never called back or picked up the phone after 11 voice mails. 
On XX/XX/XXXX a second " Refund Request '' letter was sent for the exact same claim, with the same date, but now a PRS account number for exactly double the first amount of {$1500.00}. 
Over 51 phone calls were made between XX/XX/XXXX and XX/XX/XXXX, mostly to XXXX XXXX, and 23 voicemails were left, but no return. An agent, XXXX, stated that these letters are automatically generated, and she has no control over how they are sent to clients. She advised me that I should pay this amount. She stated she saw that my first account was closed out, but would not send me a XXXX balance letter until the second account was paid. She advised that due to COVID-19 I could not come and pick up the letter, I could not have it mailed ( no mail person in the company ), it could not be faxed, and it could not be emailed. I would have to wait for a mail person to be at the company for her to hand deliver the zero balance letter, after the second account was paid. 
XXXX  XXXX representatives have stated that I do NOT owe the second amount of {$1500.00} and they never contacted PRS to collect on this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 my payment was taken out of my bank account in the amount of XXXX. On Bank Of America 's page it shows that this amount has been processed however it also says the exact same amount is also in a pending status. There are two separate statuses for the same payment which conflict each other. They are not releasing my credit line to the full amount to reflect payment. They have done this in the past with large payments. They will show it is cleared in one spot and then leave it in processing as well, but they DID take the money from my account. Again my available credit does NOT show they have applied the payment. Customer service was no help whatsoever. They talked down to me and kept me on hold for a long time without getting a supervisor as I had demanded.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
They never approve my credit line increase requests always get the same response letter they dont value me as a customer even for the holidays they wont increase it and I want a second card they decline me for a new account I wanted thr delta sky miles card since I travel so much with them and can get miles by having their card but they wont approve me and always complain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: DISCOVER BANK
State: OH

Complaint narrative:
Our boss sent an email ( it was actually a scammer who hacked into her email ) and asked to get 3 gift cards and call and give the numbers to her client who was waiting. She was unable to do it herself at the moment because she was involved in a conference call. She said she would reimburse the cost. She needed 3 separate {$200.00} gift cards. we used our Discover card for two {$200.00} cards. Discover called to ask if we made that purchase which we did. Later that afternoon our boss notified all employees that she had been hacked and to not respond. Unfortunately, several people in the company had already responded. 

We do have a Police report. The purchase was made at XXXX using our Discover card. We talked to Discover and they basically said sorry you made the purchase but had your card been stolen ... so because we are honest and not lying about a stolen card we do not get refunded the money. Discover has numerous farad/theft protection safeguards in place. They have huge buying power and influence. They could dispute charges with XXXX. I feel they have numerous more avenues of recovery than the average consumer. Providing a Police report should be enough to gain some or all restitution. They basically said there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 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:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized 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 2020-11-18 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:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized 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 non-monetary relief
Consumer complaint received 2020-11-18 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:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX. I called Aspire Credit to report my card was stolen and that charges totaling {$330.00} was not authorized by me. I asked that the card be shut down. At XXXX. I filed a report with the police that my purse was stolen and obtained a case # I was told by a rep I needed to send in an Affidavit of fraud but it had to be mailed to me. I asked if it could be emailed, I was told no. On XX/XX/XXXX I got a notification that more charges were charged to the account. I called Aspire and the rep stated that I called in for a increase of credit? I advised I did not and that this account was reported stolen XX/XX/XXXX and I was waiting for the affidavit, why where there additional charges allowed on the acct? The rep did not have an answer, said that when I called on XX/XX/XXXX, that I was inquiring about balance?? Untrue. I found that {$220.00} was additionally charged to the card. I spoke to XXXX representative XXXX in the fraud dept. on XX/XX/XXXX. and asked about the affidavit and he said he could email it. I received it within minutes. I sent it back immediately. On XX/XX/XXXX I got notification of activity on the account and called in. The rep said the balance was XXXX. I advised that is impossible. They said I made a payment thru the IVR on XX/XX/XXXX for {$850.00} via check. I told them I did not make that payment. I asked why would I pay on charges I did not authorize? I then asked for a secret question be asked before giving out any info on this acct. XX/XX/XXXX the payment was reversed NSF and the rep told me that I am responsible that charge of {$29.00}??? I have since closed this card I have been checking on this account weekly and there has been no progress on the investigation and they never ask me the security question on my account. The balance is now over the limit. I have made a payment of {$120.00} XX/XX/XXXX on my portion of the account, which was {$500.00}. I feel that with everything that they asked of me and I have complied that enough time has passed to identify that I DID NOT make those charges and the account should be resolved with me only owing {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had {$5200.00} stolen from my account without my knowledge via a fraudulent payment reversal that was not requested by me on my account where the refund was done to an outside account that I have no relation to ( see complaint XXXX ). It has now been two weeks and bank of america has provided me no update on the investigation nor refunded my money. Bank of America advertises a {$0.00} XXXX XXXX for all its credit and debit cards if fraud is reported immediately. In this case the fraud happened XX/XX/XXXX, and it was reported XX/XX/XXXX. It is now XX/XX/XXXX and I haven't received any updates or a refund. It appears this " {$0.00} Liability Guarantee '' is just false advertising and is widely being used by the bank to trick consumers into believing they are protected when in reality they are exposed to in cases where Bank of America acts in bad faith and negligently to allow fraud to happen.

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Around XXXX XXXX this morning, I received a call from a local number that turned out to be XXXX XXXX XXXX. The person on the phone was rude, insisted I give her personal information and shared my birthday and zip code in an effort to get me to verify my identity. ( I didn't tell her this data, she told me and shared other info that should be private. ) Then the person said I had a debt of {$3000.00} and demanded that I take care of it. I told her this was involved in litigation ( from a car accident last year, ) and she demanded to know the date of the accident. I once again reminded her that I do not share personal data over the phone with strangers and she told me that the debt was from 3 separate incidents. She demanded again the date of the car accident. I told her again that I do not share info over the phone, and since she was escalating her demands, and her tone was threatening, I would be getting off the phone and I wished her a good day. She then threatened me with proceeding with further debt collection tactics at which point I hung up the phone. I feel shaken, and very upset. I don't mind working with people, but I will not be threatened over the phone by anyone.

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 2020-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have made several attempts to have Self lending submit the agreement with a signature to me and they have failed to do so. All correspondence has been between XXXX and XX/XX/XXXX. Unless they can send the documentation with my signature, I would like the report removed from my file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation