vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express gave me a XXXX credit limit. I have XXXX cards with American Express not XXXX like many of American Express customers are awarded. American Express denied me a XXXX  increase that I requested based on me having credit available on a charge card. American Express wrote me and express that you already have credit and that I can call to discuss. When I called underwriter hung up on me intentionally because he didnt call back. The next person said the letter is what it is and theres nothing further to discuss. Well Im bringing to your attention American Express behavior towards a select few of their card members. American Express has a systematic way of depriving individuals of fair and equal access to credit in the United States of America. XXXX credit limit for a XXXX  year from a banking giant like American Express is really no credit at all. And to confirm its really a no they deny me in XXXX minutes every chance I request an increase. Despite my payment history, despite my XXXX XXXX. I know consumer finance stands behind American Express XXXX XXXX just as well as American Express knows consumer finance is behind them but maybe others with XXXX credit limit with credit scores over XXXX and no late payments will recognize they are experiencing the same denials. I asked for XXXX to XXXX and the letter says denied because you have this amount somewhere else. What does another card that has a XXXX balance have to do with another card payment history? What is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 XXXX formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account at a Bank of America branch on XX/XX/XXXX with an opening cash deposit of {$1000.00}. I initiated a wire transfer from my previous out of state bank for {$8700.00} since I no longer have easy access to their locations. I then linked my XXXX XXXX XXXX account to Bank of America so that I could transfer money from XXXX to Bank of America. Knowing that BOA has physical locations, the goal was to have BOA as our primary bank account to be able to deposit cash, use ATMs, etc. 

After the XXXX account was successfully linked, I set up a transfer for {$10000.00} on XX/XX/XXXX which showed as cleared on XX/XX/XXXX. On XX/XX/XXXX, I saw my first of XXXX transactions listed as having insufficient funds. The totals for these insufficient charges were {$0.00}, {$0.00}, and {$20.00}. Seeing as I had {$9400.00} in my account at the time, I called BOA to see why it said I had insufficient funds. They told me that my account had been restricted because they couldn't verify my identity and the validity of the XXXX account which I used to transfer {$10000.00}. They said they emailed me on XX/XX/XXXX but after checking my inbox, spam, and trash folders, I haven't seen anything. 

I've given them the customer service number for XXXX which they said they've called but have been unable to reach someone. Since they can't confirm the account, my BOA account has a restriction and I have no way of accessing my money. They can't give me any updates and say that I have to call back every day for an update. Otherwise, the restriction will be lifted after 30 days. They won't allow me to speak to the person handling my case. I even offered to call XXXX to see if they could have an agent call BOA but BOA said the only way to get the restriction lifted is if they can call XXXX and speak to someone. I have no way of verifying if they've actually called. Thankfully I still have enough money to cover bills in my XXXX account but the fact that I can't access any money in my BOA account, especially given that I verified the account online and the wire transfer cleared, is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In early XX/XX/XXXX I decided to put a freeze on my credit; there was no particular reason, it was just a precaution. I did it online, without any problem, with two of the main credit bureaus, XXXX and XXXX. When I tried to do it with Equifax I was unable to do it online, and called them. A representative told my I had to send documents to verify my identity and a letter requesting the credit freeze ; I mailed them on XX/XX/XXXX. 

On XX/XX/XXXX I was still unable to check the status of my credit freeze online, so I called Equifax again. A representative told me they could not freeze my credit because I did not have a credit history. I said that sounded very strange, because the other two credit bureaus did do it, and I had never heard that people with no credit history could not freeze their credit ; in the end I requested to speak to a supervisor. I was transferred to a supervisor at the Fraud Department, XXXX, ID : XXXX ; he confirmed Equifax had received the documents I had mailed, and said that YES, the company COULD freeze my credit. He told me I would receive a letter confirming the credit freeze within 5 business days. 

I did not receive the letter. On XX/XX/XXXX I called Equifax again, and this time a representative told me they can not freeze my credit because I do not have a credit history. I explained to her what a supervisor at the Fraud Department, XXXX, ID : XXXX, had said, and she said the information he provided was wrong. 

I should explain my concern. True, I do not have a credit history nor plan to apply for credit at the moment, but someone can still open an account on my name, with negative consequences for me in the future. So, would you please let me know whether it is true Equifax can refuse to freeze my credit because I do not have a credit history? If it is not true, then what do I need to do to get them to freeze my credit? 

Thank you for your time and attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Credit of Southern Ilinois
State: IL

Complaint narrative:
Yes XXXX XXXX I sent in that I had lost my bi weekly paying job and I sent in that I had a back up job that paid once a month but a smaller pay. I brought everything in to there XXXX office on foot after they shut the car down several times and even used my daughters childsupport payments to pay till I could find another job also. XXXX XXXX XXXX  XXXX finance promise to work with me over and over. They have shut my car down multiple times I have missed out on high paying jobs cause no reliable transportation. My daughter is XXXX XXXX so she hasnt been able to get back and forth to school either due to our transportation being shut on and off. They are threaten repossession and garnishing my wages. The XXXXXXXX XXXX XXXX value of the car has already been paid off on the car which is the value of XXXX. They have turned off the car even before the actual payment date we arranged. They also stole off my credit card that I did not authorize payment on I had made a report to mt XXXX IL police department. They also have several policys on our agreement one papers stating 44 payments and several others stating 88 payments which is illegal for any dealer ship to go over 72 payments. I am filing this complaint because the state needs to be aware of the illegal activities they are doing to not only me but several others. They also called me lazy and told me I need to find a job theres no excuse knowing theres covid shut down still going on in IL and after they shut my car down purposely the next day when I told them I had a job interview. Now they are harassing me after I asked to speak with XXXX XXXX the head supervisor they refused several times but I was wrote a letter by XXXX XXXX XXXX that he will repossessed my car and garnish my wages and sue me after being decline to speak with him several times about a better payment plan till I can get another job. When they stole off my credit card they forge my signature on a paper with my credit card numbers I never signed off on I just only did one time payment with the card online. Thank you in advance for taking you time to read this please contact me as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I lost my job that I had for XXXX  years in during XXXX. Select Portfolio Servicing solicited me by phone offering a mortgage assistance program due to XXXX. I told them I had lost my job but I had XXXX questions : would this cause me to lose my home or cause foreclosure? No ma'am. Then I asked if my mortgage payment would go up? No ma'am, you will either get a loan modification or the past due payments will be put on the backend of the mortgage. I said putting it on the backend of the mortgage is fine with me. 
I did not receive either, I started making payments XXXX XXXX and I have made payments every month since that date. In XXXX they sent back a copy of my money order telling me that it had been shredded and the payment was not accepted. Then I started sending my personal checks and all of them have been shredded, XXXX, XXXX, XXXX. I just mailed my XXXX payment and I would expect it will be shredded as well. 
I do not have the money for an attorney. I am XXXX XXXX XXXX, I have not family, no children and no place to go if they take my home. They have lied to me and misrepresented whatever program they offered. I have requested a document showing my signature of acceptance for their fraudulent program. XXXX XXXX XXXX XXXX owns the mortgage I have sent them a letter as well. They do not respond. I am asking for help asap, I do not know what more I can do. I can not afford an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS NEVER GAVE ME NOTICE OR A CHANCE TO OPT OUT OF CREDIT REPORTING THIS ACCOUNT INFORMATION, IM OPTING OUT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/2023 Wiring instructions for real estate closing for {$270000.00} hacked Name of bank for wiring instructions fraudulently whited out and replaced by the name of a Wells Fargo Bank in XXXX IL XXXX Routing Number and Account Number for Wells Fargo Bank fraudulently changed on wiring instructions Fradulent Information Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX ABA Routing # XXXX Account # XXXX These fraudulent errors detected by attorney doing the real estate closing Name of bank, routing #, and account # corrected.by real estate closing attorney

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was pre approved for the credit card and after applying for it, I was not given the signup spending bonus and they also pulled my credit. When I called them to add the bonus to my card, they refused. My question is then why would my credit be pulled and why would I not get the bonus despite being a trusted customer for years? After all, I applied for the card because I wanted the bonus. I wouldn't have applied for it otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX, XXXX, TX XXXX Please update to my full legal name XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. 

Please remove all of the other ADDRESSES off of my credit report. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
Hi, I would like to complain and dispute about Debt Collection which is not belong to me. 
In my credit report, I have a collection from OXYGEN XL. Original creditor is XXXX XXXX XXXX. 
This collection account is not belong to me. I called both company and asked them where this collection is coming from. They told me that there was a merchant credit account opened under company named called XXXX XXXX XXXX. I told them that this can not be, because I was an employer, an officer for that company. This company is one of XXXX account for XXXX XXXXXXXX XXXX XXXX XXXX which I worked for a period of time. This company owned by XXXX XXXX. I said, I worked for him between XXXX to XXXX. 
I left the company and I moved to Connecticut XXXX XXXX  If you look to the date the account open was XX/XX/XXXX - I was not even living in XXXX that time. 
NO matter how much I try to explain collection agency, they keep telling me we have your information, your name is in it. I said, can you provide me the contract for the merchant account. They are not giving me the the contract or any other information that shows I did open the account, they keep dodging my giving me the contract. 
I disputed with XXXX, however, they denied my dispute. I do not believe that XXXX did any due diligence. There is no way, this account opened by me. My previous employer stole my info and opened the account. I am a victim of identity theft. 
I hope you can help me about this collection which is not belong to me.

Company response to consumer: Closed with explanation