vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NC

Complaint narrative:
I was told by XXXX XXXX that the debt had been turned over to the collection agency. I called The Bureaus Inc Collection Agency in early XXXX to settle the account for {$700.00}. The gentlemen at the collection told me he would contact his customer and call me back. After no response I called the Bureaus on XX/XX/XXXX and XXXX offered to settle it for only 10 % of the XXXX to {$1200.00}. According to her this is the lowest settlement prorameter. Then she offered {$1100.00}. I asked to speak with a supervisor who was extra rude and told me {$1200.00} and that the rep did not have artozation to lower it. I told her I was aware of the law and that she could go lower. She told me it doesnt matter how many time I call its not going to be any lower. On XX/XX/XXXX I received a call again from the collection agency first she asked me to verify my DOB but I refused because she did not identify who she was or where she was calling from. So she said the last four of my SS # and asked me to verify it was correct. She then offered me a 10 % settlement, I asked her about my previous call for the lower settlement amount she then told me their client agreed to {$840.00} which is difference from the 10 % she offered at the begin of the conversation. I again offered them {$700.00}, she replied i will check with the customer but {$700.00} maybe lowest and it must be paid by end of month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: TX

Complaint narrative:
XXXX QC Financial Payments Fee {$30.00} Took money from my bank account that was not authorized by me with no contact informing me of any charges. The only income is my XXXX social security aka RSDI. 
I wrote via email to both lend nation and bank. 
Advised lend nation to stop the ach and stop my debit card also to remove debit card. 
Advised bank to stop payment from QC Financial. 
Have not heard a reply from neither company.

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 2020-04-08 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: NJ

Complaint narrative:
On XX/XX/2018 I noticed that my credit card had some unauthorized charges while I was out of the country. I contacted them to resolve this and they closed my account permanently without a notice and without doing any investigation on the unauthorized charges they also removed the automatic payment from my account now this account is stoping me on getting a mortgage for my family. Its Unfair that somebody used my card and Now I cant buy a house for family because this account is reporting negatively on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
there is a hard inquiry from XXXX/CBNA which does not belong to me. iv tried to contact them and i have not been able to get anyone on the phone. this is hurting my score and i am not able to get approved for a mortgage.

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 2020-04-08 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: OK

Complaint narrative:
I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding EQUIFAX. 

I have repeatedly asked EQUIFAX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from XXXX XXXX XXXX. EQUIFAX has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with XXXX XXXX XXXX. 

I DEMAND EQUIFAX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from XXXX XXXX XXXX on MULTIPLE occassions with NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
I purchased a XXXX  gift card from XXXXXXXX  a company of US Bank at XXXX grocery store. 

When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the XXXX at XXXX and the sid they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. 
They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. 
I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello - Hope you are staying well in these trying times and thank you for receiving this complaint. 

I am writing in response to not receiving usable credit card bonus miles from Citi for the Citi/ AAdvantage Platinum Select World EliteMastercard, despite meeting the terms of the offer from Citi XXXX 

I have opened the Citi AA MasterCard mentioned above and initially received the bonus points from Citi, per the terms of the welcome offer ( see link below for an example ). On XX/XX/2020, Citi 's partner XXXX XXXX informed me that they were shutting down my XXXX XXXX ( XXXX XXXX frequent flyer account for " abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. On this date, they unilaterally confiscated my points, to the tune of XXXX miles ( ~ {$29000.00} cash value ). 

I would like Citi to confirm and explain how : a. ) I abused the Citibank AAdvantage card bonus eligibility restrictions b. ) How Citi can re-issue the miles in accordance with the credit card application that we both entered into per the terms of each agreed upon application I have attached the letter from XXXX ( to which they did not reply ), and I look forward to resolving this amicably. I can be reached at : Cell : XXXX Email : XXXX Link : https : //creditcards.aa.com/

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 2020-04-08 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: LA

Complaint narrative:
This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs to be removed.

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 2020-04-08 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: CA

Complaint narrative:
To whom it may concern, AMEX decided on XX/XX/XXXX to cancel ALL my AMEX accounts that I had with them. They gave me no valid reason for this on the phone, and just won't tell me why. I have been a customer of theirs since XX/XX/XXXX. This type of behaviour and inconsideration is unacceptable. I deserve better. I have never missed any payments, and always had my accounts in good standing with never having an issues with them. 

I believe they have heavy handedly closed my account for a reason that was beyond my control and/or someone has made a mistake and won't own up to it. However, I suffer here because I have outstanding balances that I am used to paying over time for, but now they require the amounts in FULL. Each time I contact AMEX no one knows what is going on. 

On XX/XX/XXXX I was alerted by XXXX that AMEX had opened an account under my name, which is not something I did. This reflects now on my credit score rating. Again I contacted AMEX and they won't tell me anything. I want this " new account '' taken from off my credit score and rating as I have not opened anything. They closed all my accounts down on XX/XX/XXXX and then ran a new account through a credit check the day after. It all seems too coincidental and I require answers. 

Finally, I am demanding a pro-rata reimbursement of the {$550.00} annual fee I paid for my Platinum Account that AMEX charge. AMEX cancelled my accounts themselves, I didn't cancel them, therefore I paid them a fee for a service of the card that I haven't fully gotten, thus they have taken my money from me without keeping to contract of offering that full service for 12 months. I would like AMEX to reimburse this. 

I look forward to their response. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
my bank account was debited without my authorization on the XX/XX/XXXX for the purchase of a subscription to an XXXX XXXX  site. This purchase was made by a XXXX year old boy whom had gotten my card information. When I discovered the transactions I immediately went to my bank account on line and froze my account which should have locked my account disabling any transactions. This was the XX/XX/XXXX. I then tried to contact my bank and contest these unauthorized charges and reporting the company responsible. Well, I guess because of this pandemic we are having, I was not able to speak to anyone but I thought I was safe because I had frozen my account. On the XX/XX/XXXX the monies were still on hold status and normally they stay on hold status for 10 days. On the XX/XX/XXXX we went to the store and my card was declined so I got back on my banking account and the three debits to my account had all been paid, that is in a matter of two days which is sooner than normal and I had my account frozen. I am a XXXX year old man who lives on a fixed income and I am pretty much ignorant when it comes to technology, let me just say if this technology is costing us our humanity, is it really worth it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I fell behind on my payments in XX/XX/2020 because of loss of income, I had a an agreement with the bank to pay an additional {$500.00} in addition to my regular payments. The bank sold a loan to another company and the payment agreement was no longer valid. The new company that owns the mortgage is a debt collection agency. They do not want to work out any type of agreement with my payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
I received a collection letter from JNR in reference to my XXXX home security system. 

The amount of XXXX is completely unbelievably WRONG! 

I have already received my Bill statement for XX/XX/2020. The total amount due is about XXXX. 

please check into this fraudulent collection bill. 

I am still a client with XXXX and I have an open account. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
The loan was opened XX/XX/XXXX. The last contact I had with this company was XXXX XXXXz The debt owed is {$570.00}. This company has been re-aging this debt. My debt is over 6 years old and as of XX/XX/XXXX they re aged the debt saying it was newly opened and 3 months old!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
XX/XX/2018 for XXXX from Security Crdit Services from original creditor XXXX XXXX I called let them know it wasn't my debt and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.

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 2020-04-08 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:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I lost my job and I sent a notice to the company XXXX XXXX. In the notice I claim the additional exemptions TCA. 26-2-111 and 26-2-103. I claimed ( A ) unemployment. The letter was sent out XX/XX/XXXX. And I talked to this company Attorney over the phone. Their Attorney said he wasn't aware of this law and he would look into it. I never heard back from the company Attorney. XXXX XXXX stopped reporting to Equifax and other credit reporting agencies on this account.I thought that XXXX XXXX honored that law and exempted me from that debt but later in XXXX XXXX XXXX started reporting to the credit reporting agencies that I was sill under obligations and was still making payments when I wasn't. This is fraud. In XX/XX/XXXX I sent XXXX XXXX a validation letter of the debt and has not heard from them nor has they stopped reporting to the credit reporting agencies. They have now reported at least 12 months of none pay which dropped my credit score down to XXXX points. Please help me clear this issue. This is fraud and they are not backed through a federal bond. If they was they could have hired a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
XX/XX/2018 for XXXX from XXXX XXXX XXXX from original creditor Temple LLC I called let them know it wasn't my debt and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: LA

Complaint narrative:
This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report

Company response to consumer: Closed with explanation