vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
This complaint is about Amex knowingly not making a payment to XXXX after their advised 30 day policy per their Fraud XXXX. I confirmed to Amex {$1700.00} XXXX transaction made on XXXX was valid. Amex Fraud Dept Team sent me a letter via Secure Message on XXXX confirming that the transaction is no longer in question and Dispute Reference Number : XXXX was closed. First I was told to wait 3-4 days for them to pay XXXX, then 1 week, then 2 weeks, then 1 month and TODAY they ask me to wait 1 more month. Their " rigid protocol and bank policies '' CHANGE everytime I call. From general customer service to supervisor, nobody know nothing every time I call and ask me to wait and wait to then have call back later and give me a different excuse and provide me with more lies about a new " protocol '' they have. At this point they have given a different protocol for the past 30 days I have called different days. 

The only thing Amex needs to do is to pay back to XXXX and they refuse to due to their " protocols '', which change every single time I call them to follow up. I have waited all the time they mentioned and done everything they've advised me, which were all lies from them confirmed by themselves. They have recorded calls. They keep making different excuses every time and blatantly continue to lie to me about everything despite I filed a Customer Service complaint to them about their employees ( general customer service, fraud team and supervisors ) lying to customers like me to get off of their responsibilities. Then they get mad at me and continue to lie to me when I tell them all the lies they have given me and they become speechless and do nothing. Last week, XXXX, Fraud Dept agent XXXX gave their number XXXX and advised me " this was an unusual situation and that Amex should've paid XXXX long ago, that it was most probably a mistake from Amex was done in this process and they ALL have overlooked it '', his words. He advised he was in charge now of handling those type of XXXX cases and it was not okay on Amex end. Today XXXX, Amex Fraud Dept XXXX advised me they have " initiated the process to pay back XXXX but didn't knew what was taking so long '' and proceeded to give more excuses. When ALL previous reps have advised me that Amex had already PAID XXXX. 

The complaint ID # I submitted with Amex last month XX/XX/2021 for them lying to me is XXXX - The rep could not even/not wanted to spell her name ( something Samalia I don't know ). She advised another lie that everything should be resolved by the end of XXXX and that I was going to receive a letter. None happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I've been trying to get a loan modification with my finance company and they continually say that I don't have all the documents so that I will miss the deadline date. They are making it almost impossible for me to get a modification as they also know that I'm on XXXX and need help lowing my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CO

Complaint narrative:
I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT EXPERIAN REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
My information was exposed to the XXXX  data breach and got into the wrong hands remove this fraudulent account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America keeps rejecting legitimate transactions on my debit card and freezing my account for normal transactions. They send an alert to verify and I do so, and that verification is ignored by Bank of America. This has happened, and I have complained to Bank of America, numerous times. This instance resulted in 30 minutes on the phone and a duplicate transaction for {$1500.00}, which is now on hold in my account, and now I have the duplicate order to resolve with the merchant.

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 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
My information was exposed to the XXXX  data breach and got into the wrong hands, remove this fraudulent account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Inquiries I have reported that arent mine that I have reported as fraud are XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX  XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX - inquiry date XX/XX/XXXX XXXX/XXXX  - inquiry date XX/XX/XXXX XXXX XXXX card service XX/XX/XXXX td retail card service - inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX all of these inquiries were not authorized by me, I request that they be removed, I contacted these companies none of them could verify I gave them permission to run a hard inquiry, non of them could provide a copy of my signature to give them permission.

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 2021-04-06 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:
Hi, I am victim of identity theft because all these accounts are not mine, and somebody just put them into my credit report. This is ridiculous. I am very sad now to see this kind of tragedy of Bureaus failures. Why they can not check and validate before they put in people reports misleading information? My life is divided between before and after because these unknow items killed my score and I can not do anything with it now until you guys help me and investigate who could do that and who stole my personal information. Please also remove these terrible unknow items from my credit report. I would appreciate if it takes little time for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. 

I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. 

If XXXX can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has added missed payments that were removed from two of my account but the credit grantor. I have sent in letter after letter and they have yet to respond. the late payments are adversely effecting me and I seem to be at the mercy of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: MI

Complaint narrative:
I paid online {$160.00} through my insurance the bill as soon as it appeared on my account on XX/XX/2021. 
I received the XXXX XXXX  statement the day after to be paid on XX/XX/2021. 
Since XX/XX/2021 XXXX contracted debt collector XXXX and then another one Receivable Management group claimed the same invoice. 
We paid once more and finally received the cancellation of {$160.00} on XX/XX/2021. 
This is an unacceptable harassment and that is why I am escalating to you this case.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/XXXX Re : Collection of previously negotiated bill from Portfolio Recovery Assoc. 

Dear Consumer Protection Bureau, Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill about which I originally re-negotiated to pay off with XXXX XXXX  years ago. My eventual inability to pay anything is the result of FEMA not delivering on promised financial support for another 6 months but unexpectedly stopped the support after the FEMA disaster covering the XXXX XXXX flood in XXXX XXXX to XXXX. 

I would like to plead with XXXX and Portfolio Recovery Assoc to eliminate the disaster-related bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
My information was exposed to the XXXX  data breach and got into the wrong hands remove this fraudulent account immediately

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 2021-04-06 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I filed bankruptcy and this loan was included and they are adding remarks to my credit report that the loan was sold to another debtor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: MI

Complaint narrative:
transunion is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.

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 2021-04-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
At some point in 2011, a representative from XXXX XXXX called my house and talked to a family member. The caller was trying to sell us credit cards. The family member, my husband - accepted the offer. Without consulting me, he gave the person my social security number, as well as his own. I *never even spoke to the person, * and I never would have accepted the offer of another credit card. I thought the card was my husband 's, when I used it *once* - to pay my annual dues to the XXXX XXXX XXXX XXXX I paid the amount due upon receipt. 

Two years later, I got a letter from an attorney, XXXX XXXX, who claimed to be suing me on behalf of XXXX XXXX, for over {$2000.00} in fees and interest. I wrote Ms. XXXX immediately XXXX per the legal requirement to dispute it within 30 days XXXX, to tell her that the " debt '' in question was not mine. 

During the last month - over ten years since the original card was improperly issued, I have gotten letters from lawyers and bills from a collection agency - for that same " debt, '' which is not mine and should not be deemed to be mine. The lawyer was actually, and appallingly, pitching a proposal whereby I would use the money I will receive due to the CARES act, to " repay '' the creditor. I believe this is called " zombie debt '' - with an additional appalling bid to get a hold of money being sent to all Americans to provide relief during an unprecedented and devastating health emergency ( one which has deeply affected my family ). I am attaching copies of several relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on TransUnion and XXXX and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is allowing XXXX XXXX  to continue making withdrawals without my permission.

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