vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello American Express! 

I wanted to thank you for taking the time to read my letter, I am sorry I had to resort to a CFPB Complaint however my concern is dire and because of the conflicting information provided from previous customer service agents, I feel getting a hold of the Executive/Office of the Presidents would be the most appropriate. 

I've been a member with American Express since XXXX, I had a great history with NO DELINQUENCES whatsoever! My card was paid in full and I never was late, I even took a proactive approach which jeapordized my account because a customer service rep. who had encouraged me to do the wrong doing at American Express. 

In XXXX I started to have some financial hardship, I had lost my job and was unable to pay my credit cards, however, I was able to use my AmEx and pay for it as it was essentially my debit card and had enough funds for my everday expsenses, I was just unable to pay my credit cards. 

I contacted American Express letting them know about my financial hardship and that I was NOT going to be including my American Express card in my bankrupcy for a few reasons. 1. American Express is not only my favorite card but my favorite lender! They have the best service ever! 2. I enjoyed my card and did not want to give it up 3. It would've been unfair for AmEx for me to include them in my bankrupcy because I had no issues paying them and still don't. 

However, I decided to call AmEx as a proactive measure because I had heard that even if I did not include AmEx in my discharge, they would still close my account the second they saw the public record discharge, even if I was never late! I was then encouraged by the customer service rep. ( PLEASE REVIEW THE PHONE CALL!! ) where they encouraged me to discharge my American Express and NOT PAY FOR IT!! I WAS SHOCKED!!! 

I followed the customer service rep. advise as they encouraged me to not pay AmEx because they would just close my account out anyways. In doing so, I received an offer for the " XXXX XXXX '', where AmEx promised to give me back my membership, totaling the credit line I had defaulted on IF I paid them. 

Now, however, 6 years later, American Express still hasn't lived up to their promise of giving me back my membership if I pay off my entire balance. I am writing this letter in hopes to get a hold of an indiviual who will help me with this journey of paying back my balance, being taken off their " blacklist '' and offered the promised product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello. I would like to file a complaint because Bank of America has entered into my checking account at The XXXX XXXX and withdrew money without my authorization. The withdrawals took place on XX/XX/XXXX, and XX/XX/XXXX both for the amount of {$160.00}. I have not been a member of Bank of America for years, and I no longer associate with this company on any level. All past accounts has been closed for years. I have contacted The XXXX and they explained to me that the amount of {$160.00} has been taken from my account on those two days, and that it seems to be funded into a 401K account under Bank of America. I have contacted Bank of America and explained that they do not see a reason for money to be coming out of my account as all of my accounts with them had been closed. They claimed that they could not see the amount coming from my account, so they gave me over to Merrill Lynch which operated the 401K plans for a company I no longer work for. Merrill Lynch replied that they had no record of funds being withdrew from my account at The XXXX XXXX. 
I have no where else to turn. Bank of America is withdrawing {$160.00} from my personal checking every year without my authorization.

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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
XX/XX/20, I received a call from Halsted Financial Services. They called me on my cell and on my work phone. I did not give them permission to call. I have not received any formal information by mail from this company. I called back XX/XX/20 to find out who this company is, and a gentleman began to state my name, address, and the last 4 of my social security number and asked me to verify. I hung up because I had no idea who I was talking to. I called back and a female answered. I asked for the address and the name of the company. The female asked " is this XXXX XXXX '', I proceeded to ask for the name of the company. The female stated in a bullying voice, " do not ignore my questions. '' The company called me from a fraud number, XXXX and XXXX. I've been receiving calls back to back from this number ; I thought it was telemarketers, so I did not answer. I've received several fraud calls, so I've blocked them, but this number has come through with a different suffix. if this was a legitimate company, then they would have sent the information out to me by mail, allowing me time to review and then respond. They have employed bullying tactics they I know will get worse. I've been fighting with the company they represent, XXXX or XXXX XXXX   for three years because they did not apply the payments. I asked if there was a glitch in the system ; I've called the corporate office twice. I could not get the situation rectified so I stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
We have had a Superfleet/Fleetcor fuel card account for years and have been paying an additional " Fraud Protector '' fee every month. Beginning with our XX/XX/2020 invoice, we noticed suspicious transactions on the invoices. We were not alerted to these, even though they were for large amounts, out of state, had fake odometer readings, and/or were multiple purchases in a row at the same location. Part of our " Fraud Protector '' fee is to be alerted immediately for any suspicious activity. We had to wait until we received the invoices and reviewed them to find the transactions ourselves. The transactions are blatantly and obviously fraudulent. We immediately shut off the cards involved, PINs, and spoke with the employee. Our employee stated that he received a text from who he thought was a supervisor with the company for his PIN. The employee sent it to him, not realizing it was a scam. We pulled all of the fraudulent transactions, totaled them, and began the dispute process. The fraudulent transactions totaled {$33000.00}. ALL of the disputes were denied, as Fleetcor said that " they could not prove a pattern of suspicious activity '' or that our employee shared his PIN number, etc. Fleetcor is demanding that we pay the {$33000.00}. The " Fraud Protector '' program is a complete scam for them to make more money through fees, since they won't actually reverse or handle any ACTUAL fraud that hits the 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 This company made a hard inquiry without my permission. I don't even have a loan from them.

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 2020-05-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} XXXXS DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
These collections just started showing up on my credit reports a couple months ago. I have never heard of them before. All medical bills have been paid in full primarily with insurance, but also with payments at time of service. I have never been on any sort of payment plan. All paid I full at time of service. The provider they are listing was seen over 10 years ago. I have received no past due collections notices ever from these providers listed, or any others. There are approximately a dozen different account numbers and amounts. I think I would have gotten at least one bill. Also, when the items first appeared on XXXX  and I disputed them, these were removed. I then received one envelope of notices that contained just a balance due notice for each account with zero explanation of what it was for or when or anything. I won the dispute and the items were removed. Rash & Curtis then put them back on a couple months later. I had them removed again. This time, they also appeared on XXXX. XXXX  removed the items immediately. Now they are showing up on XXXX. I have disputed them here as well. As I win the disputes, they turn around and refile the collection on my reports. It is happening almost immediately after I win the dispute. 
This is a bogus company. I do not know how they can continue to put over a dozen items with different account numbers and amounts and expect me not to notice. These are not owed. These are really fraudulent at this point. 

Is there any way I can keep them from being able to repost? I am tired of disputing a dozen items across 3 credit bureaus every couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I, like many others, was financially impacted by the COVID-19 pandemic. I proactively reached out to BMW Financial to request a lease deferral. On XX/XX/2020 I received both verbal and written confirmation from BMW Financial Services that my lease would be deferred for the months of XXXX and XXXX and that the automatic recurring payment withdrawals linked to my checking account would be placed on hold until after the delay period. 

On XX/XX/XXXX I went to the purchase groceries and to my shock my card was declined. When I checked my account balance, I learned that BMW Financial used my previously stored checking account information that they had on file to withdraw the entire balance owed without any warning or my consent. This fraudulent withdrawal is in direct breach of their verbal and written agreements to defer my car payments for the months of XXXX and XXXX. This fraudulent charge has resulted in numerous overdrafts fees, bounced checks and has left me with no money for food, rent or utilities. 

I am disgusted that BMW Financial has breached their customer agreements and they continue to illegally access checking account to withdrawal money from people who are in dire economic situations and who have applied for and been granted payment deferral by BMW Financial. They are predators who are taking advantage of their customers in the middle of a pandemic. 
I am happy to provide copies of all correspondence with BMW Financial including two separate letters stating my payments would be deferred along with documentation that BMW Financial accessed my checking account and withdrew the funds without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: GA

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
On numerous occasions Ive disputed the address below that shows on my credit report. This is NOT my address. Ive never lived in this city and have proof of living in another city during this time. This address belongs to a correctional facility and there is an inmate number attached to it. Very damaging to my reputation. I have had several problems due to this including not being able to enroll in school because of student loans issued and never paid by someone at this address. My latest dispute has a confirmation number of # XXXX on XX/XX/20. On XX/XX/20 I was asked 4 identity questions at XXXX XXXX XXXX all pertaining to this address. Ive spoken to 4 Equifax representatives that confirmed it is still showing and no answers other than to dispute it again. This is unacceptable!!! Ive been denied a XXXX XXXX XXXX XXXX because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation