vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On the XXXX of XXXX I went to take money off my cash app card wasn't able to get the money off, I called a number on XXXX   thinking it was cash app customer service representative where I thought he was helping me get my account back on track but he ended up taking XXXX dollars out my cash app account and XXXX   out my wife XXXX XXXX XXXX account, and XXXX out her cash app account. Cash app sent a answer and questions list for their investigation. It shows where my original email was unlinked to the account. I sent in all information that was asked for the 45 days for the investigation was up on the XXXX of XXXX  not one email has been answered pertaining to my follow up emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX/XXXX/XXXX I contacted Citi customer service via chat to make sure the automatic payment is cancelled. The representative assured me the withdraw will not happen. So I made separate payment amount of $XXXX.XXXX from other bank.XXXX/XXXX/XXXX Citi did not cancel the automatic payment, and my account is overdrawn and return check fee($XXXX) from Citibank and overdrawn fee($XXXX) from my bank account were charged.XXXX/XXXX/XXXX I contacted the Citibank and they say they will return their fee and provide $XXXX statement credit for the overdrawn fee. I again made sure they will not overdraw again.XXXX/XXXX/XXXX They overdraw my account again, return check fee ($XXXX)  and overdrawn fee ($XXXX) were charged. XXXX/XXXX/XXXX  They again claim they will return the both fees after the statement is issued.XXXX/XXXX/XXXX I contacted them numerous times after the statement but they say no fee will be returned.I attached the Citibank statement showing the $XXXX charged twice, and the bank statement showing $XXXX charged twice.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and 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 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: CT

Complaint narrative:
This company has been collecting $XXXX from my Military pay under the name XXXX XXXX since XXXX XXXX until present and reported to all 3 credit company my account closed. I opened the account in XXXX XXXX and my payments then was $XXXX. Due to my illness and XXXX XXXX the payment was lowered to the $XXXX. This company refused to accept my XXXX letter, continue to take money from my retirement and ruined my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much 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 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Got the loan for XXXX around XX/XX/2018 and had pay XXXX a month (automatically debited every two weeks XXXX ) cash central kept closing the accountant with no balance or reporting the balance has over XXXX   and also payment history was not reported correctly on my credit too were I disputed 4x’s for them to fix. They finally reported this month a late payment with an increase of XXXX on my credit. That dropped my credit score almost 150 points. I called the credit company (XXXX) to remove this from my credit and was told I had to ask Cash Central to remove. Needless to say Cash Central haven’t fixed anything, and when I have talked to them numerous times to get an explanation or get a breakdown of were the XXXX a month is being applied ,they haven’t provided anything nor answered my questions. They hung up on me (disconnected from being told once I call back) numerous times as well. So fed up with them taking XXXX a month and miss leading reporting to credit bureaus and balance is never going down just up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
OnXX/XX/2016 i called XXXX insurance and told them to cancel my insurance on XX/XX/2016 as i got insurance with XXXX, i called back on XX/XX/XXXX to make sure it was canceled, they told me i had to have my new insurance company send them a letter confirming i had insurance with them. XXXX faxed them a letter and sent me a copy, they still continued to bill me for two additional months after XX/XX/XXXX resulting in this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a 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 non-monetary relief
Consumer complaint received 2019-08-21 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information  on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: OR

Complaint narrative:
I pulled my credit report onXX/XX/XXXX and found one incorrect item from Experian. A utility company in Texas sent a $XXXX debt to collections for a bill fromXX/XX/XXXX. I have lived and worked in Oregon since XX/XX/XXXX. I disputed the item on XX/XX/XXXX and this morning (XX/XX/XXXX) received a notification that the dispute was closed and the item would remain on my credit report. I never had the opportunity to upload documents or was even asked for my evidence. I called again to re-dispute the incorrect credit information on my lunch. I was told I could upload documents to show that I did not live in Texas. Things like a bank statement or pay stub for working in Oregon. Before I even got home (4 hours), it was closed again. I am frustrated. I should have the chance to submit my evidence. This is some sort of mistake and they aren't even evaluating my evidence or giving me the chance to submit it.Experian needs to let me submit my evidence. I am being proactive about my credit. Quit giving me the run around. What use is a dispute process if you don't accept evidence???

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 2019-08-21 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: WI

Complaint narrative:
A LATE PAYMENT HAD BEEN RECORDED IN ERROR.  A STATEMENT WAS NOT RECEIVED TO SHOW A BALANCE WAS DUE FOR MY XXXX XXXX  - XXXX ACCOUNT ENDING IN 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 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
These people from "Portfolio Collections" call me multiple times a day and some late at night. One just called me at XXXX. I have repeatedly told them to stop contacting me because they not only will not say what the debt is for but they also will only keep asking for personal information. When I tell them to stop calling me they yell at me and get hostile. I have told them now twice if they call me again I am getting my attorney involved and they start yelling at me. They call at different numbers each time. I don't know what else to do. Please make these calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
The company Receivables Management System is attempting to collect on a debt that is not owed by me. 1. This company has NOT sent any information to my address.2. This company does not have my correct information.3. This company is NOT registered to collect a debt in my state of Texas.4. This "debt buyer" company HAS reporting information on my credit report "a collection" and is attempting to collect illegally.I sent RMS a certified letter with return receipt regarding this matter. RMS has 30 days to remove this collection or will face legal action and will be sued under the FDCPA.I want CFPB to find out why this company willfully breaks the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Two months ago I opened a card for a purchase around $XXXX and paid it off the same month when the statement came. This month I got another statement from them that had $XXXX outstanding balance. Apparently I was charged a $XXXX late fee as my payment was processed one day late. I have no idea how something that was postmarked at least 5 days before it was due would take so long to process. Then they stacked another late fee of $XXXX on the second month - which is why it added up to $XXXX. I called them and they removed the most recent late fee - but said I still owed them $XXXX. They also claimed to have called me to notify me but I have not received a single call or voicemail.

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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My mortgage is $XXXX and was transferred to Select Portfolio Servicing, Inc @ 8 months ago. I always split my mortgage into 2 payments $XXXX.I kept receiving calls from them and did not understand why! Customer service said 1/2 of my payment was returned.For the month of XX/XX/XXXX, I have attached copies of my payments paid by XXXX XXXX, including statements circled and showing my payments deducted. I reached out to XXXX XXXX and was informed that my payment did not return. Which I already knew because the funds were deducted. XXXX at XXXX , and I both reached out to the bank returns processing department and they also verified that the check did not return and I have attached copies of checks.Select Portfolio said the last check dated XX/XX/2019 was returned by my financial institution  and mailed me a letter stating that they reversed the payment. (Attached)They did not want to accept what I kept saying.Finally I contacted customer service and got some sensible and was told to send copies of XX/XX/XXXX payments and statements. (Attached)The last call I received was XX/XX/XXXX.  Select Portfolio have not fixed the mistake they made and I've been calling everyday. My mortgage is still outstanding. My credit report has Been notified that I'm passes 30 days late and my credit score has decreased.Today is XX/XX/XXXX. Select Portfolio have not fixed my account.  They have requested my proof twice and I have faxed it over but everytime I call, I get the same bull. We are waiting for the credit department to fix it. I am awfully upset and already tired of this call center and plan to refinance soon as they fix my account. I want away from this place as fast as possible. Everybody working but no one know what's going on.I have enclosed copies of my mortgage payments for XX/XX/XXXX.$XXXXcleared XX/XX/XXXX (see statement)$XXXX cleared XX/XX/XXXX (see statement).Please assist by making this call center, not a real bank, post my payments correctly and accordingly and fix my credit report back immediately.  Its does not take this long to adjust an account. My bank said they have no ideal, why they sent me that letter because they did not return that check and both checks were infact paid and there has been a mistake on their part. Somehow somewhere, someone has my $XXXX which was paid by my bank. I gave more than enough time for the cashier department to fix it especially after they said they received all the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a 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 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XX/XX/2019 I made a payment to release a package I had to pay to customs. The total was $XXXX with the fee and everything the total was $XXXX. It was a transaction I made through Paypal and I was supposed to be paid a total of $XXXX. However I didn’t received anything and ended up losing $XXXX that I paid and the device that i sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a loyal American Express customer. I have been their client for some years now. I like their Membership Rewards program, and like the feature of transferring points to partner airlines. But today, XX/XX/2019, when I tried to transfer my available Membership Rewards points to XXXX XXXX (one of the point transfer partners) through American Express website, I was told "This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria". I immediately contacted the online customer service through online chat, and asked for help. The online agent was not able to transfer points for me either. So I contacted the customer service through phone, and spoke to a supervisor after being transferred three times. She basically told me the same thing and suggested that this might be caused by misuse of Membership Rewards points. But I do not agree with this, because I have not transferred points in a long time, have been using my credit cards for normal uses, and have not abused the rewards ever. I value my relationship with American Express and have also referred my close friends to apply, and they got approved of American Express cards too. I would like to be able to transfer points again as soon as possible because I already have my next travel planned out and airline reward tickets go out of stock fast. I have never misused Membership Rewards ever, and have zero intention to do it in the future, because I like American Express products a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I believe that Citi is retaliating against me for my prior CFPB complaints by refusing to move credit from my Diamond Preferred card to my Double Cash card. There is no logical reason for them not to do so, except for retaliation. I called the Citi EO and spoke to XXXX XXXX who has replied to my previous CFPB complaints. She agreed to put in a request to transfer the credit already available from my Diamond Preferred card to my Double Cash. When I was ready to do so, she was unavailable so another EO rep put in the request. They called back several days later to tell me that my request was denied due to debt. This makes no sense because: 1) My credit score is higher now and my credit card debt levels lower than the last time they approved me for a card just a few months ago2) I recently closed a Prestige card with Citi, so their exposure to me is reduced anyway3) They would have no additional risk because I am not asking for an INCREASE in credit, I'm simply asking to move credit 4) They would not be at a financial risk because I am moving credit from the Diamond Preferred (0% APR) to the Double Cash (16% APR)5) They would allow me to switch the card type for the Diamond Preferred to the Double Cash, but not move the credit, so I would still have the same larger limit on a Double Cash card, just not the one with more history, showing this is arbitrary.It is important for me to move the available credit ($XXXX) from my Diamond Preferred to my Double Cash because the Double Cash is older and I don't want to lose the history. I plan to pay off the Diamond Preferred and close it once this small part of its $XXXX limit has been moved. It would harm my credit to have to have to switch the newer Diamond Preferred card to the Double Cash and close the older card with more history. At this time, I am NOT requesting any card be closed.As you can see from above, Citi's rationale is complete nonsense for not moving the credit line. I believe the only possible rationale is retaliation. They know it would harm me to lose the older Double Cash trade line.

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