vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XX/XX/2020 - XX/XX/2020 American Express Serve Card Stimulus check was direct deposited {$1200.00} 1. I am unable to access the funds since the Serve card I have was never activated. 
2. I ended up not getting a tax refund last year, so I never activated the card. I tried to activate the card via website and either the website was down, or it said it didn't recognize the card. I tried to activate it via telephone and the automated service stated I needed to verify my email from an email that was sent to me. I have no such email, so I'm not able to verify my email address.

3. I have tried to call customer service over 100 times and I either get a busy signal, get cut off when it says it's sending me to a CS rep or cuts me off after I wait for 2-3 hours. I have yet to speak to a human being. 
4. They have my funds and I have no access to them.

5. I am laid off from work and need access to these funds just like everyone else.

6. Customer service is no existent. I feel there is something shady happening with people 's stimulus checks and Amex Serve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I received an email from American Express Serve that I had received my {$1700.00} stimulus check. I had realized that I didnt have the card & I immediately tried to call the customer service line but the automated prompt doesnt allow you to speak to a representative unless you have your card information, which of course, doesnt help at all for people who have lost their card. So I call the American Express customer service line & ask a representative to connect me to a representative in Serve & the call was either being disconnected after 2 hour long holds or after just a few minutes. With this virus going on, I understand that wait times are increasingly long because I am definitely not the only person with this issue but I need that money, Im a single mother & had I known these checks would be deposited into an account I didnt have access to I wouldve done my best to give them the correct bank information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a previous complaint number XXXX, XX/XX/20. I received a letter from XXXX XXXX on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the XXXX XXXX report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at XXXX XXXX should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off XXXX XXXX website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get XXXX  to Correct my report, Can I sue them? 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
in XX/XX/XXXX i cancelled a transaction for {XXXX} and i was refunded my money. 

On XX/XX/XXXX, Paypal charged me again for this {$XXXX}. I send them a letter to the address below and they have not replied. : PayPal, Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.paypal.com XXXX I did not authorize them to charge me again. i am XXXX with medical conditions. I have not left the house in 3 months.

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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX I received an email alert from Cash App for a transaction ( Transaction ID # XXXX ) in the amount of {$150.00}. I did not make this transaction and immediately reviewed my bank account and saw the transaction was pending. I contacted Cash App Support via XXXX to file a report and was provided with a link to do so. I filed a request the transaction be cancelled because I did not make the transaction. I received an email response from Cash App that the matter was being addressed. I also contacted my bank to request the pending transaction be cancelled that same day. 

The Cash App transaction was processed 3 days later on Friday, XXXX XXXX at which time I received a canned response that did not address the issue. On Sunday, XXXX XXXX I communicated with a Cash App representative via XXXX at which point I was told there was nothing they could do and to file a dispute with my bank which I did. The bank dispute outcome is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I've never been late on my auto loan with Credit Acceptance. My husband was recently laid off due to XXXX and my hours reduced at my job. I contacted Credit Acceptance to see if they could defer my loan for 2 months until we get back to normal. I spoke wtih XXXX at Credit Acceptance. She was very rude and unwilling to offer any solutions to defer or make payment arrangements. She stated they are not offering those options and that we had to pay something on the loan anyway. She also stated that they would still report to the agencies that the account is late and that the credit agencies would be responsible for updating the account on your credit report. This company is not willing to assist any customers during this hardship. 

My account information is as follows : Credit Acceptance XXXX XXXX Account Number : 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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX  XXXX Address Id # XXXX balance {$800.00} is reported twice on credit report need report updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2020 our Experian Credit Report indicated a score of XXXX, everything on our file indicating a good payment record. XX/XX/2020 we received an e-mail from Experian indicating our score had been changed downward. Further investigation found our score had diminished by 22 points which we felt was exorbitant. Calling and upon further investigation we found the reason was due to the following. In XXXX,XX/XX/2020we were inundated with e-mails and calls from various lenders regarding refinancing our home mortgage due to the decrease in interest rates. We worked twice with XXXX XXXX XXXX XXXX XXXX, with whom we have our present mortgage, and at least one other lender regarding refinancing. We concluded it would not be to our advantage to refinance because it would take about 5 years to just recover the approximate closing costs of {$5000.00}. None of the offers were acted upon yet our Experian credit score was very negatively, and we believe unfairly affected. 
We are including an attachment of our XXXX  Credit Report of XX/XX/2020 which is XXXX, only a 3 point difference from Experian 's Report prior to the downgrade. 
Our complaint regarding the mandating of two years for these inquiries to be held on our credit report is totally unfair due not activating any of the loan inquiries. It's as if we were penalized for shopping for the best refinancing terms available. That, in our opinion, is anything BUT Consumer Protection.

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 2020-04-14 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: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX XXXX XXXX ) XXXX PNC BANK Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I investigated incorrect information on my credit file with XXXX. 
XXXX  allowed XXXX XXXX and Navy Federal to change the date of the last payment that was received. I requested for XXXX  to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.Navy Federal Credit Union XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My company, freedom mortgage, has willfully ignored my changing tax status and my charge of hone Insurence. Theyre charging me as if nothing has changed. Overcharging me on my home Insurence by over 1000 and overcharging me in taxes by XXXX. Theyve also failed to apply my homestead credit for over two years. 

This has been ongoing for over a year. Now theyve even held my payment and not applied it to my mortgage. The payment has continually ballooned to where its now over {$700.00} from my original payment. They have repeatedly assured me that theyve applied my changes but every month it stays the same and i have to call and repeat the process, sending I the same documentation over and over again in what feels like an endless cycle. 

Its my belief that theyre deliberately trying to force me in to foreclosure by ballooning my payments and continually ignoring my changes in Insurence and property taxes

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX/XXXX  reported to Experian that I applied for credit in which I never appled for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and name corrected on my report as this is a violation of my consumer protection right.

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/2020, my account with chase bank in XXXX closed my account with out warning and hold my funds. During this pandemic this should be illegal, considering that the stimulus check with be going to now a closed account. I was given no warning and now when i try to talk to customer service on 5 different occasions. I am on hold over 4 hours just to end up being hung up on. 
I cant get answers from my main branch either. I will not receive my stimulus payment now or it will take months. Like everyone else, this is the time I need my funds in my closed account and also the stimulus. Please help me figure this out with this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group
State: FL

Complaint narrative:
I mistakenly took a payday loan from XXXX for {$2000.00} in XX/XX/2019 ( I believe this was the amount because I can not find the original paperwork because XXXX sold the account and the links are no longer valid ). In XX/XX/2019 I realized I had become overextended with payday loans ( I had three other loans ) so I contacted a debt mgmt team. They advised me that all of the loan companies worked with them except for XXXX. I contacted XXXX many times via email ( which I can provide ) and by phone ( no answer ). I advised them to please work with my debt mgmt company so I could pay them and they never answered me. I do not have the money to pay them and I am working to pay the other loans because they are working with my debt mgmt company. In the last two weeks I was contacted by a XXXX XXXX (? ) from Northwood Asset Management ( who apparently bought the bad debt ) who calls from a local number and leaves a toll free number to call back regarding a " personal matter ''. I called her back last week and when I advised her I had tried to work with XXXX multiple times she laughed and said " That's not what they said ''. I advised her I was working with a debt mgmt company and she wanted the name. I advised her that after trying to work with XXXX and them not answering me I had to pay the creditors who were working with me. She said " Well it doesn't go away and the lawyers are going to sue you for {$11000.00} ''. She sounded very threatening and laughed at me a few times. I was in the middle of my workday and needed to get back to work so I advised her to send me the information however I am not trusting of this company due to their bad XXXX  reviews and predatory factors. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/20 I tried to open checking account, which in the past was opened & closed by me without issue. Today however, Bank of America placed me in processing purgatory, leading me to believe they mishandled my data & denied me right to withdraw application and delete all personal data.

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 2020-04-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX someone fraudulently used my Citi Bank XXXX XXXX credit card to make purchases at XXXX and XXXX. I have never used these websites, or even heard of XXXX prior to this. From XX/XX/XXXX to XXXX, there were approximately XXXX transactions on the card totaling {$33000.00} by my calculations. Citi bank never informed me of these fraudulent charges despite how many there were. It was only after I checked my balance online did I see the charges and notify them. I also immediately notified XXXX. 

I was asked to be patient by Citi and was told it could take two or three billing cycles to resolve the issue. I have not received any communications from Citi or XXXX to keep me informed as to the progress. All that I've been told from Citi was that the investigation is closed and resolved via email. It does appear that there are credits on the account of {$38000.00}. I have no idea why that amount does not coincide with the {$33000.00} in fraudulent charges. 

My issue now is that I still have a balance on the card in excess of {$14000.00} and the XX/XX/XXXX statement shows approximately {$18000.00} in new charges from XXXX dated XX/XX/XXXX through XX/XX/XXXX that have post dates of XXXX and XXXX. These are duplicate charges that now appear as a balance. I was told by a representative in the Citi fraud dept on XX/XX/XXXX that those are rebilled as there are duplicate credits on the account from Citi and XXXX that need to be rectified. As you can see, this is extremely confusing and the card statements are impossible to follow and add the transactions correctly. I am not a forensic accountant! I have gotten no help from Citi either. I attempted to contact customer service last week and was on hold for over two hours before I finally hung up. I understand that staffing is down with the current Covid19 situation, but frankly, that is not by problem and this situation should have been resolved before now anyway. 

I have been patient for over three months and still have a balance on my card over {$14000.00} that is incorrect. My credit score has been affected and this is all through no fault of my own. Frankly, the onus is on Citi as their security dept should have frozen the account way before XXXX transactions went through. They have made minimal effort in fixing this and clearing my credit.

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 2020-04-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Over the course of the past five months, I received several credit card statements, all branded cards issued through Synchrony Bank, at various stores ( e.g., XXXX XXXX, XXXX, XXXX XXXX, etc ). After receiving the first credit card statement, I believe in XXXX or early XXXX, I called Synchrony Bank and advised them that I did not open a credit card account and that the other persons name on each statement was a stranger to me. I am an attorney, so I verified to them that I had never represented any individual by that name. The representative of Synchrony Bank confirmed that my social security number had not been associated with the account. 

As of XX/XX/2020, I continued to receive statements in various individuals names and and, on each such occasion, I called to report the continued problem until such calls proved pointless and outrageously time consuming ( 2 hours per call ). On each occasion, I provided an account number and again received an assurance that my social security number had not been associated with the account. I also received, however, assurances on every phone call indicating that I would not be receiving any further statements. The fact that this assurance was not met has caused me to question all assurances given to me by Synchrony Bank. 

I began sending the statements directly to the fraud department at Synchrony Bank and have not even received an acknowledgement of the problem. I have continued to receive fraudulent statements every week.

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 2020-04-14 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter Finance added 120 day late to an account that was 6 years old. This account is hindering me from getting a new home and car. This account was paid with an agreeable to remove the late payment due to the fact that the car was totaled out and the insurance paid for the vehicle I did not have any knowledge that there was a balance and no communication was sent or provided.

Company response to consumer: Closed with explanation