vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im having trouble with equifax I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with Equifax about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Im having trouble with XXXX  I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with XXXX  about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX  XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
I received sudden emails from Citi bank credit card department that they have lowered my credit limit due to the followings : -Your payments were low on one or more of your accounts with us. 
-Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-One or more of your accounts shows a late payment or bad check with us. 

Even though I knew that none of the above are correct, still I reviewed my credit reporting and ensured that, - I have always paid my payment in full, if not more. 
-Based on the XXXX  , which is the credit bureau that Citi based their decision on, is only stating that I have used XXXX  % of my credit. 
-All of my credit payments were made on time, except one that I only paid couple of days late, which was not delinquent i.e. 30 days late. For which, I thought bank might have a grace period, which they didn't and paid the late payment fee. 

I talked the citi bank credit department rep, and she stated that she doesn't see any late payment in the sense that I paid 30 days late, and even she was surprised as why this happed. She submitted a credit limit reinstatement, but the credit department / underwriting didn't bother to review it and reinstate my credit limit and stated that they cant change their decision. 

Citi bank 's decision can impact my credit negatively and it could ruin my credit with other company. I have been working hard to keep my credit in a good shape and have never had any late payments, or credit limit drop in my life, except this one that is entirely unjust, unfair and completely discriminatory as I couldn't find any actual reason for their action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Each month I pay my mortgage ( on time ), with additional principal. I remit payment with two checks, one from my checking account and one from my XXXX XXXX. 

My payment due XX/XX/XXXX was ( I mailed payment XX/XX/XXXX ) {$1600.00} I paid : Personal check # 1 : {$1000.00} Personal Check # 2 : {$910.00} I specified on the remit form, as I often do, that the additional {$300.00} should be applied to the principal. I pay this way nearly every month. It has never been a problem and I check my statement carefully each month to ensure this. 

Freedom Mortgage has not cashed either of the checks I sent. My Freedom Mortgage account page shows the check for {$1000.00} listed as " suspense payment '' and does not show the second check as being received at all. I have called both banks which I wrote checks from and they have no record of them being cashed. 

I called FM on XXXX/XXXX/20. They were clueless, and promised me a call-back which I have not received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: IL

Complaint narrative:
Did not remove requested items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: IL

Complaint narrative:
Did not remove requested items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Started my Public Service Forgiveness process on XXXX. My lender altered my loans and changed my payment status several times over the course of the 10 years and I am now at 48 months of forgiveness instead of nearing the 120 months of forgiveness. I have attempted to call the servicer several times regarding this issue and each time you receive a different answer and a different employee. I have requested in writing my loans were altered and they have failed to provide proof of my request to alter my loans or change my repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
Allied Collection Service was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX  XXXX XXXX XXXX XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to Allied Collection Service. Allied Collection Service, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my account ... Allied Collection Service then sold my account to another debt collector who marked my credit, which is another fight

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Left an apartment complex with rent paid in full. 2 weeks later my account was submitted to collections without my knowledge or allowing me to dispute the debt before hand. I have requested a signed contract with my signature showing I was made aware I would be charged for cleaning after move out and the company has no such documents nor was I advised if these charges before being immediately turned over to XXXX XXXX  without any attempt to notify me before hand. I have requested the company provide proof of the validity and all they have sent is a copy of my XXXX that I did not violate in anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Original bill was for a XXXX XXXX  account - not aware at the time of outstanding bill until XX/XX/XXXX. On XXXX outstanding bill was paid with XXXX  - Immediately notified IC System and submitted documentation. 
They continue to refuse correction - which has resolved in higher interest rate on 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 2020-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance- The vehicle was purchased in late XXXX for {$9000.00}, to accommodate my XXXX  / XXXX needs at that time. Within a 6-month period I experienced multiple electrical malfunctions which were reported to the dealership. Company refused to repair any damages and malfunctions ; these issues resulted in a fire starting under the dashboard. At that time, I chose to tow the vehicle back to the dealership which resulted in a Voluntary Repossession In XXXX, I reached out to Credit Acceptance was redirected to XXXX XXXX XXXX XXXX XXXX - a statement agreement {$6900.00} was made nut not yet collected on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: NE

Complaint narrative:
They sent me a lengthy email stating I was going to be facing charges of defamation of character, theft by deception, Sent me an email with my drivers license number, social security number etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
There was a childrens place card and credit card that is not mines however birthday is wrong.I had identity thieft couple years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX billed for the wrong amount. This should have never been sent to collections - I never owed {$2300.00}. I provided payment information at the time of service and this was supposed to be submitted through my insurance and then charged. After several months I was finally able to have someone at XXXX fix this error and bill me for the correct amount which was paid in full. 

This entire account needs to be removed from my credit report immediately. It is impacting my ability to refinance my home and the derogatory mark that was added in error and has led to multiple other revolving lines of credit that were in good being cancelled. 

Please remove this account. It should not be reported as a " paid collection '' as it should have never been a collection in the first place. It needs to be removed entirely.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have been a customer for 10+ years and have never had any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation. 

I contacted them earlier in the month, they said it'll take only 5-7 more business days. It's well beyond that now and I still have not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2019, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
Received cash app visa in the mail that I never applied for. Cash App / Square Inc. does not have a phone number and I do not want to give them my information to get them contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NE

Complaint narrative:
On XXXX I received a XXXX form from Chime XXXX XXXX which stated I needed to complete the form due to a ssn audit. 

I completed the form & sent it back using the pre pains envelope On XX/XX/XXXX, I reached out to Chime to ask if they had received my XXXX ( because if not, I could of transferred my funds out to one of my other banks ). The customer service rep stated if I used the prepaid envelope, then they would receive the form & there is nothing to worry about Less then 24 hours later-I try to log onto Chime and my account is closed. Unfortunately, you cant reach them on the phone without an acct so, I talk to them via email. XXXX stated if I send a copy of my SSN and ID then they may possibly be able to open the account back up. That was at XXXX XXXX  and despite the fact that I have sent them numerous emails, no one responded. Also, I reached out to the the XXXX - who stated they will send my request to all of their card services team and someone will respond to me in XXXX days. This is completely unacceptable. When it comes to funds, a consumer should have better access to customer service to get these types of answers that are so needed. 

A couple of things that I want to mention : XXXX the ssn audit was prompted because I have a hyphenated last name and opened the account with one last name. Chime claims that the system matches names from deposits to bank accounts. However, I have had direct deposits go into my Chime account under my hyphenated last name. 

* they did not give a 30 day window to return the XXXX ( even though we are in a pandemic and its election year, PLUS the holidays ) they notified via email on XXXX that I was going to need to complete the XXXX that was in route to me via mail. I received the XXXX and on XXXX, I returned it via the business reply envelope they provided. They wanted it back by XX/XX/XXXX and if not, the account would be closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashMax LLC
State: TX

Complaint narrative:
On XXXX I spoke with an agent from XXXX XXXX central time. The representative keep repeatedly saying we will send your account out of the office, you havent paid any amount, we will send it to a 3rd party collection agency, we will take action against you, along with other statements which were misleading and threatening in nature. Finally, misrepresenting the amount of money owed. Even though the contract is bull and void due to it being an " Unconscionable '' Contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NJ

Complaint narrative:
Equifax is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NJ

Complaint narrative:
XXXX is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened two disputes with Citi Bank. 

Dispute XXXX for the amount of {$670.00} was opened earlier this year and closed in XXXX. I was sent a letter and issued permanent credit. Then yesterday while checking my account balance I see a letter sent to me ( by regular mail, no email notification which I'm signed up for ), indicating Citi decided to re-open the dispute and rebill me for it. Just because they wanted. Even though the dispute had been previously closed. In the letter provided, at the end it states if I have any questions to call XXXX XXXX at XXXX and when I called, there was a pre-recorded message by her stating she won't be checking her messages. 

Dispute XXXX for the amount of {$230.00} was closed in XX/XX/XXXX, permanent credit was given and a letter was sent to me. Then on XX/XX/2020 Citi again decided to re-open the dispute after their investigation period had passed and after I was told I was right and the dispute had been closed. 

I've always had great experiences with Citi Bank and my XXXX card is my everyday card. I swear by that card and when I travel I feel safe when I have it with me. All this to say that the way in which Citi is handling this is not reflective of the great customer service and customer advocacy I'm used to. I sincerely expect Citi bank can correct this wrong.

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