vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX, I received an alert from XXXX  that my FICO score decreased by 10 points. When I researched why, it occurred as a result of American Express reducing the credit line available on one of my card accounts as the card account had been used in frequently. The account is in good standing and I pay all required fees to keep the card current. 

On XX/XX/XXXX, I received a letter from American Express ( mailed on XX/XX/XXXX ) that indicated a second credit card credit line had been reduced again because the card had been used in frequently. This account is also in good standing and I have paid all required fees to keep the card current for more than 20 years. This action by American Express will reduce my FICO score by another 10 points. 

I have no issue with American Express making a business decision regarding their card portfolios -- that is their right. I have a complete problem with being adversely impacted by that business decision resulting in a reduction of my FICO score by 20 points. I am in good standing with American Express, had an excellent credit score which I've worked very hard to maintain. By seemingly doing all of the right things, I am being penalized due to an internal American Express decision process without recourse. American Express has assured me they can not share with the credit bureaus that it was an internal decision that caused this action which had nothing to do with my payment history. 

I'm curious how this can be allowed. It will take me years of " perfection '' to again build my score back to it's previous standing because of arbitrary decisions made by American Express. I would ask that CFPB investigate this practice -- again, my issue is not the ability of American Express to make a business decision for their organization -- it is completely related to being a consumer, adversely impacted by that decision, through no action or fault on my part but suffering the consequences without a way to provide an explanation which would restore by FICO score to its previous standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Made two jewelry watch purchases online at Bloomingdale 's, one purchase was XX/XX/2020 under order XXXX and the other was on XX/XX/2020 under order XXXX. Both purchases were over {$500.00}, the threshold amount to qualify for 12 months interest free financing on the Bloomingdale 's credit card. Per my live chat with the merchant on Thursday, XX/XX/2020, under incident number XXXX, if the purchase meets the dollar threshold, it can be transferred over to be interest free.

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 2020-02-27 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: LoanCare, LLC
State: CA

Complaint narrative:
Loancare the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then Loancare received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with Loancare $ XXXX nor XXXX XXXX. Loancare removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX, which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from Loancare a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now Loancare has used my credit report unlawfully by adding that I owe Loancare $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at Loancare for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. Loancare  is retaliating against me for making so many complaints which I will address outside of the CFPB.

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 2020-02-27 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: WI

Complaint narrative:
I saw that my credit score dropped significantly approx. same time Experian had a breach. I have always had EXCELLENT credit as it is part of my job requirements, for 30 years! I saw that XXXX was reporting a charged off amount {$23.00}, the only loan I EVER had with them was a car loan which I took out and paid off early, and received my clear title in the mail. I wrote letters to XXXX  but they said they never received them, Experian said that all they did is report what XXXX told them to and XXXX told me 2 months ago that this was a mistake on Experian 's end and they would help me correct it. I also had to write a letter to XXXX and fax to them so that they could get Experian to correct it. I did that and no response again from XXXX, I called and they told me they'd send me a letter, never got it, called again and they emailed it to me. The letter stated that they investigation was correct and I could take this up with Experian, Experian tells me to take this up with XXXX, I am being led on a wild goose chase and I WAS NEVER LATE on any payments with any Loan or credit card company. I have spend over 1 1/2 years on this and I need some help. I have also been included in a class action lawsuit against Experian for the breach and incorrect information on my report. XXXX has turned out to be inconsistent with their help and facts. I need help please. I will attach the documents.

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 2020-02-27 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: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-27 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: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express left 8 voicemails on my work number from XX/XX/XXXX-XX/XX/XXXX asking for someone that is not ME. On XX/XX/XXXX, I called them and told them I was not the person they were looking for. They agreed to remove my phone number and said it would take 24 hours. On XX/XX/XXXX they called me AGAIN asking for someone that was not me. I asked them AGAIN to remove my phone number from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
Requested documentation From Santander verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Payday loan debt
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: Opportunity Financial, LLC
State: MS

Complaint narrative:
Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: MI

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number  ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-27 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: MI

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Requested documentation From XXXX verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate

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 2020-02-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I gave access to XXXX XXXX XXXX to my Wells Fargo and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX  XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. Wells Fargo notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX   XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX XXXX took similar actions with my XXXX XXXX account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Dear CFPB, I was a victim of the Equifax data breach, and as a result, obtained XXXX  Identityworks data monitoring. I unfroze my account with Equifax in the fall to get a loan, and discovered last night that I am a victim of identity theft. According to XXXX, a credit card was opened in my name and my address was changed. I called Equifax this morning to put the freeze back on to my account and they refused to do it without charging me {$16.00} a month. I mentioned that I was a victim of their data breach and now a victim of identity theft, they refused to help and referred me to the hotline for the lawsuit. 
I just want my freeze back, and as a victim of identity theft am legally entitled to it. I don't want some guy in a call center trying to hustle me to subscribe for an Equifax product, when they were the source of this problem. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have ordered an item on line with my paypal account ( credit card ), purchase under paypal protection, the seller never response to my email and my items never have been received. After one month trying to contact the seller my self and no results. I escalated the case to paypal on XX/XX/2020, was given tracking that case will be resolved on XX/XX/2020, I will be refunded. But on XX/XX/2020, checked paypal on line, the resolving date was pushed back to XX/XX/2020, called paypal customer services, spoke to 3 agents, the last agent was XXXX, no one were willing to solve the problem, spoke to the supervisor, XXXX, still unable to solve the problem. the date of case resolving just been keep pushing to the future dates. my refund has never been issued. 

Per paypal policy, this is under paypal protection, when customer filed a case and you give a day to resolve the case, you need to follow your promise. if you keep changing the case resolution day out to future, that mean you just play and game and never want to solve the problem. I have been a paypal customer for the last 10 years, never file any case, no dispute, this is the only one time, but was treat very unfairly. 
I need paypal to follow their promise and refund my payment now XXXX as promised on XX/XX/2020 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
I have contacted the creditor multiple times due to the fact that there are 2 of the EXACT same accounts, but different amounts. BOTH accounts were paid by insurance at the time services were rendered. NOT ONLY THAT, but the COLLECTIONS AGENCY is charging interest. that is NOT legal. That was not in the original agreement. I did not agree to, sign any documents on this matter. They should not be accruing interest. I have tried multiple times to settle this information and have it be corrected / removed. I am in the process of consulting a lawyer because i know my rights, and i know what WAKEFIELD & ASSOCIATES is doing is wrong, unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I gave access to XXXX XXXX XXXX to my XXXX XXXX and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX   XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. XXXX XXXX notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX  and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX  XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX   XXXX took similar actions with my Discover Card account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XX/XX/XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my Transunion credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.

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