vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: MI

Complaint narrative:
I tried closing my credit card account XX/XX/XXXX. The company was to return my prepaid deposit. Still have not received and the company is no longer taking calls due to COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2020 XXXX XXXX I received a phone call from the Anerican Express Serve company, my caller ID SHOWING ( XXXX ) same exact number shown on the back of the American Express serve card. Telling me that my card had been compromised and that I have charges coming in from Florida for {$80.00} {$60.00} and another charge of ( Im not sure., ) Did I do these charges? I stated I was in Colorado and absolutely not!!! I did not do those charges. The gentleman then stated he was shutting my card down immediately, and that they would be sending me out a brand new card in a 24 hour period. He stated I have nothing to worry about and they caught the fraud in time. I checked my account, and at that point all of my money was still inside my account. In the morning on XX/XX/2020 my money was still in my account on my American Express serve account # XXXX. Around XXXX XXXX on XX/XX/2020 I received a email from American Express Serve stating that my Password had been changed and asked if it was me who had changed it, if not I was to contact them immediately through the telephone. I called their XXXX and was on hold for over two hours during this time I went back and looked at my emails and I received a new email from American Express Serve stating that my transfer was a successful at XXXX and {$520.00} had been taken out of my account and some kind of a transfer to a unknown name of which I did not do! The name was XXXX XXXX ... I DO NOT know this name, I know nothing of this person and I did not do this transfer! I spent 5 1/2 hours waiting for American Express Serve Fraud department to answer, once they answered I spoke to a XXXX ( not sure how to say or spell ) she stated that she would report the fraud and that I would be receiving a phone call from somebody else with a record number, during this time I received a phone call from a XXXX  from American Express serve giving me a fraud number of XXXX. And then she proceeded to tell me they have 10 business days to investigate the fraudulent charges and would be emailing me back with an answer of what they had come up with the results. On XX/XX/2020 I received two emails From American Express Serve stating they had done their investigation and they have determined no error occurred at that transaction question and was authorized. Therefore the transaction is not eligible for credit to my account. I have filed a police report # XXXX and # XXXX With The XXXX Police Department. I have also filed a report with the XXXX XXXX XXXX FDIC, and all three reporting credit bureaus for fraud. I have wrote a certified letter to American Express Serve asking them to explain why my fraud claim was disregarded and how they came up with their decision, along with the proof of why the transaction was considered legal? when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: ID

Complaint narrative:
When making my payment online, I am required to make almost double the monthly payment. The online payment option does not allow me to input the monthly payment amount, nor the desired payment amount I want to make. It forces me to pay double. The company said I had late fees. I started making my payments by check, paying additional funds each month to take care of the late fees. I requested an accounting of all my past payments and how they were applied and the spreadsheet that Flagship Credit Acceptance sent me did not show that any late fees were outstanding. In XXXX, I tried to make my payment online and again, it required that I make a payment in excess of {$800.00} due to a " past due '' amount. In a final attempt to resolve the issue, I made the payment in the amount of {$810.00}. This month, XXXX, I again attempted to make my payment online and it is requiring that I pay in excess of {$800.00}. My monthly payment amount is only {$460.00}. By requiring consumers to pay double the payment amount, Flagship is forcing them to make late payments or make phone payments which incur extra fees. They have been doing this since my loan started and I have incurred excessive fees as a result. Additionally, they are not applying the extra funds I send to the late fees so that the late fees are always outstanding. I have complained about this and I think they do it to all their customers.

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 2020-05-14 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express decreased my credit limit from {$6000.00} to {$1000.00} without any notification. I called and they said they couldn't find any information regarding this matter. I have not made a late payment and American Express has not been helpful with this. I haven't used the card for some time but I would have if I was warned that my limit would be decreased. I also resolved an account that was reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i checked my credit report and noticed these accounts that i didnt open or authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
These items are not my items reporting.

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 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
i checked my credit report and noticed these accounts that i didnt open or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL 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 2020-05-14 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a lifelong resident of XXXX. For the past two decades, I have resided happily in my home located atXXXX XXXX XXXX, XXXX, CA XXXX. Having been in my familys possession since XXXX when the loan was disbursed, this house was previously owned by my parents. The loan was for purchase and a few years back, I was so proud to finally be added to the deed. Payments have been made on this residence for quite some time now. Towards the end of XXXX, I experienced a few hardships. There are a few factors in my situation that negatively affected my ability to remain consistent on the payments for a period of time. Namely, my fixed-income status, my age, and my XXXX. Ultimately, this all coalesced into XXXX becoming the last time I was able to afford my payment. Fast-forward to today, only a few months later, and I am being informed that the mortgage is presently in per-foreclosure status. Despite my attempts to reach out to Wells Fargo for assistance. Despite our worldwide pandemic. Despite my situation. I urge you to hear me out. 

First, lets keep in mind current events, please. I know everyone is aware of what is going on regarding Covid-19, but I feel compelled to point out that it also affects ME as a human being. I am elderly and XXXX, which automatically categorizes me as a high-risk individual. That alone is scary enough to have to deal with. Businesses, companies, and banks like Wells Fargo are out here scrambling around trying not to let this virus negatively affect their stock too bad. I am here trying not to let this virus kill me. I really am doing what I can with what I have. Would Wells Fargo really take my home from underneath me in the midst of this historical crisis? I just want to be safe right now. 

Next, Id like to highlight the lack of assistance Ive received from Wells Fargo upon reaching out for help. Twice previously, I inquired about the options available to me regarding what could be done to relieve a bit of my financial burden in the trying times Ive over the past few years. FIVE people I have talked to so far : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I have to keep track of all this because I keep getting the run-around. I get the wrong information and no real aid. I would encourage Wells Fargo to kindly look through their case notes and help clarify in simple terms what can be done for me.

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 2020-05-14 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2020, I received a phone call from American Express business gold card offering me a credit card for my business, I was not interested but the agent convinced me that will be very beneficial to my company as far of credit line with no preset limit and travelling etc. She was very persistent in collecting my company and my personal information. On XX/XX/2020, I received a phone call from their approval department stated that they just need to ask me a couple question to complete my application and after a few minute on the phone they said that I was approved and they transfer me to a different department to determine my credit limit and the agent that I was connecting with told me that I was approve for {$5000.00} with no preset limit, that's mean if I made a purchase for over {$5000.00} it will automatically approved but I have to pay the difference in full on my next billing cycle, I was not satisfy because I was expected more and the fact I have to pay a {$290.00} membership fee upfront, but after a lot of convincing I accept. 4 months after I try to make a purchase for only {$2000.00} and it was declined, when I call American express they told me they information that I was given was wrong that I was only approved for a {$1000.00}. I am very disappointed to see how they're cheating customer to collect a {$290.00} fees, I have good credit and personal credit card for over {$5000.00} limit, there's no way I would agree to take a {$1000.00} credit line and pay almost {$300.00} upfront membership fee.. I called them and they keep transferring me to different departments, no one ever really help my case, the last supervisor I spoke to told me in 24 hrs someone will contact me and help solve my problem, it's been days and no one calls me back. I need help to get my money back.

Company response to consumer: Closed with explanation