vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian placed a freeze on my account for fear of fraudulent activity. I was unable to apply for credit after that, and am not able to have the freeze removed unless it's submitted in writing. I have LITERALLY tried 9 phone numbers to speak to someone and each time have not been able to get around the automated service. Finally, I called and said I was a business so as to get a person on on the phone, I have been on hold LITERALLY 2 hours and 26 minutes and have still not spoken to someone. I A AM LIVID. IT IS IMPOSSIBLE TO SPEAK TO SOMEONE AT EXPERIAN AND THEY MAKE ADJUSTMENTS TO YOUR CREDIT REPORT WITHOUT YOUR AUTHORIZATION OR CONSENT - AND THESE ADJUSTMENTS IMPEDE MY ABILITY TO LIVE.

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 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.

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 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.

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 2019-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX SINCE 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 2019-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I'm XXXX XXXX. There are inquires and collections on my credit report that happen to be a result of identity theft. Please remove them from my report. Thank you and best regards. 

XXXX XXXX XXXX {$370.00} Capital One Bank USA {$130.00} Inquiry XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education Services continues to violate the Fair Debt Collection Practices Act applying to the Borrower, XXXX XXXX, which states under 805. Communication in connection with debt collection where XXXX XXXX respectfully requested that after making initial contact advising of a payment date upon a payment ( s ) becoming past due, that no further communication be directly sent to Borrower AND Cosigner. AES claims that the promissory note gives them permission. If it violates an Act set forth in this nation by the people of this nation, then the promissory note should be void of that specific clause. AES has also since deactivated my online use of the account to make payments in an attempt to retaliate against my continuous pleas. 

American Education Services was notified on XX/XX/XXXX via email that the account would go past due by 30+ days, but that the borrower, XXXX XXXX XXXX had every intention of bringing the account current by paying the past due amount by no later than XX/XX/XXXX. AES, in turn, revoked my online access which is used primarily to make payments. 

805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE 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 2019-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
I sent XXXX $ over Zelle to my housemate for rent on XX/XX/19. I sent it to the correct phone number and my housemate received a text that the money was available but was not given the option to accept or decline the money they simply said it was in her account. She uses an online bank called XXXX for her account and money never showed up in it. Today XX/XX/19 I sent her XXXX $ over Zelle to see if we could figure out where the money had gone but the same thing happened. When I call Zelle they transfer me to XXXX and when I call XXXX they transfer me to Zelle. I can not pay my rent without getting the money back. Zelle and XXXX say they can not help me because the money was " accepted ''. My housemate has not received any of the money in her back account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Synovus Bank
State: CA

Complaint narrative:
I have a credit card by the name of XXXX. The website XXXX is serviced by XXXX and the card is issued by Synovus Bank. The website is not working and I need to make a payment. If you have issues with their website, they provide the following number : XXXX. The number on the back of the credit card is : XXXX. 
I attempted to call both numbers on XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. The options are pay your credit card by pressing 1. There are no other options ; however their website says to speak with a friendly representative call : XXXX. I do not want to pay my credit card over the phone because I am afraid that they have had a breach or have been hacked. How do I know that the number provided does not give my personal information to an unauthorized user? I have never had an issue logging on to make a payment to their website. 
Time is of the essence because my payment is due XX/XX/19. Do I take the chance that my money will not go to them and I may expose my bank information? Finally, on one attempt I was able to login the website ; however when I clicked the 'account information ' page it says our website is unavailable, and again to call one of the numbers above to speak with a representative. There is no option to speak with a representative and when you hit the " 0 '' button on the telephone or any other button for that matter, the numbers hang up on you. 
These are clear violations and I know because I am a data privacy attorney. If I am not able to pay my bill or a breach has occurred exposing my information, things are not going to go well for the above parties. 
I tried calling Synovus since they service the card to see if they had any information. Apparently, they do not know their own vendors. These are deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: CA

Complaint narrative:
NOTE : THIS IS NOT A COMPLAINT, BUT TO APPRECIATE American Express Bank. 

I want to show here my appreciation to the Amex team for their kind attention to my complaint. I am very proud of them and so I want to use this medium to publicly express that. This is the stuff that make customers become brand loyalists. 
I will hereby start here to spread the goodwill by word of mouth. 

Last week I sent in a complaint about my cards with Amex. Within a day or two later, in another routine attempt, I was finally able to upgrade those cards. This made me very happy. I do not even know whether or not the concerned Amex team had received this complaint before the cards became 'upgradable ' but I can feel that they care about my experience with their brand. I therefore feel very satisfied that Amex see me as a worthy customer. To the Amex Rewards team, " Thank you! '' and " Happy holidays! '' PS : The only other issue is the problem with the credit limit on my main Rewards card. This had not been fixed. I want my account and credit limit terms to be better. I used to have a card that adjusts to my spending and has no set limits, until an error from my XXXX or XXXX  report which had since been corrected but these bureaus. I want them to investigate this occurrence and if they need any documents from me, I can produce them. Amex should be able to trust me more as I have been a good customer. The circumstances of this incident is very sad and I am not happy about it because I did not do anything wrong to deserve that. 
The responsible lending team was not thorough in their assessment. They arrived too quickly to their decision and refuse to walk back on it when they found that it was an error, despite the various ways I tried to inform them and by examples with the credit bureau record of that issue. 
The same company whose payment delay system created this problem last year had since doubled my credit limit. They would not have done that if I was a bad user of the account or a credit risk. So, it is disheartening to experience this from Amex 's end of the equation. 
I hope that the team will look into this matter again and isolate the issues that created it and consequently reinstate the spending limit criterion on this card as well as double the credit limit on it along with the others. That way I can put the negative impact of this experience behind me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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:
It's not my account. I didn't have this auto loan. I believe that somebody used my personal information to apply for it.

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 2019-12-24 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:
It's not my account. I didn't have this auto loan. I believe that somebody used my personal information to apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Mobile application will not allow all monthly deposits into accounts.

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 2019-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I have not had any hours at work and have been unable to pay my payday loan back to Easy Money at XXXX XXXX XXXX XXXX in XXXX TN XXXX. They have called me repeatedly and I have told them I do not have any money for repayment. 

On XX/XX/XXXX, they contacted my place of work and I was reprimanded by my boss for them calling. I called the store and requested they never call my place of work again. 

On XX/XX/2019, they once again contacted my place of work. 

On XX/XX/2019, my boss contacted me to let me know he would not be needing me for the next several weeks. When I asked why, he implied that I was not financially stable and needed to take care of my home life. 

Easy Money has continued contacting my place of work and my personal cell phone. Each time I tell them that I do not have any income. 

On XX/XX/2019, they once again contacted me. XX/XX/XXXX fell on XXXX XXXX this year. The call was incredibly inconvenient and I was forced to answer in front of family and friends during our holiday. It was very stressful and irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: DE

Complaint narrative:
seeing unauthorized inquiries on my XXXX  credit report. I made an attempt with XXXX  to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / XXXX XXXX XXXX XXXX. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: DE

Complaint narrative:
seeing unauthorized inquiries on my Experian credit report. I made an attempt with Experian to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / national credit card cos. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I see unauthorized credit inquiries on my transunion report, I try to call the companies to find out why they pulled my credit and they refuse to give me any information. 
here are the unauthorized inquiries XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I used an ATM in XXXX and the machine had an error. I submitted a claim and it was not resolved and Wells Fargo withdrew money from my account. I submitted a photo with evidence and they still havent resolved the issue meanwhile I was charged fees due to not having these funds.

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 2019-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
My identity was stolen in XXXX and used to take out a loan with LendingPoint. Upon seeing the loan was taken out, I called them and they said they would open an investigation. After 30 days I received a missed payment letter, and upon calling they said the investigation was closed and I am liable. No one from LendingPoint Called me regarding the investigation. I sent over the police report and told them to look into it again. My account was given to another individual and I reforwarded him the police report as well as the FTC Identity Theft letter. I have emailed for follow ups on the investigation weekly and have received no response from LendingPoint in nearly a month. I have not been in contact with anyone in LendingPoints Quality Control department who is supposed to be investigating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: NY

Complaint narrative:
XXXX dispute ID XXXX They're ruling against me for charges that I did not authorize.

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 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Opened an account with XXXX for my daughter, was going to open one for me, but found out my phone was not compatible so cancelled the account. Began receiving email bills from XXXX for the account that was closed before ever using, continued receiving, called and contacted XXXX multiple times, they said the account didn't exist, continued receiving, went into a XXXX to confirm the account didn't exist, then received Collection Notice for the amount from I.C. System, reference no. XXXX. Contacted them, have received no response, so I am submitting a claim. I have very good credit and don't want this to adversely affect it. 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 2019-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home Loans has repeatedly harassed me acting as a Federal agency that my lender approved to refinance my mortgage even though I have contacted on several occasions to stop their deceptive practice, but they continue to harrass me with mailings and phone calls. 

I want them to stop and desist with this arrogant behavior.

Company response to consumer: Closed with explanation