vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi Cards AAdvantage XXXX XXXX Mastercard. I had the card hooked up to XXXX. Without any notice CITI started charging fee 's on XXXX transactions as though they were cash advances. They are not cash advances. I am paying for a service. When I called Citi they said it is a Mastercard ruling and refused to help. They gave me no notice of this change and made no offer to reverse the exorbitant fee 's and charges.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I have been trying to work with XXXX in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : Capital One Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I have been trying to work with Experian in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : XXXX XXXX Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}

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 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, XXXX Phone # XXXX I wrote them in spring of XX/XX/XXXX, after I got a demand Letter from them. They were tasked to collect {$330.00} for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, phone # ( XXXX ) XXXX I wrote them, and told them on XX/XX/2018, I paid the check to XXXX. 
They did nothing. 
I called XXXX XXXX. They said I need to take it up with Collection Agent. I wrote RS Clark and Assoicates to remove the Derorgatory in XX/XX/2018. It only lists as paid collection. 
This had hurt my credit, and they continue to not return calls or letters to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2018 RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : XXXX XXXX XXXX, Credit Report, File # XXXX XXXX XXXX XXXX Dear Sir, This is the second and final time, I will demand that you remove this negative item from my Credit Report. 

I wrote you last spring, with proof showing the bill to XXXX XXXX XXXX was paid! 
It remains in the report. 

Please remove this at once. 

Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX I would appreciate your help. 
This check was # XXXX on XX/XX/18 {$330.00} on XXXX XXXX XXXX bank acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: VA

Complaint narrative:
There is a debt showing up on my XXXX account that has already been proven to not belong to me and was deleted before. The company obviously has sold the debt over to someone else and now Its placed back on my transunion account.

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 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
This complaint is a continuation from previous CFPB complaint XXXX and escalation as KIA has taken more egregious actions without every providing a response and resolution for their initial illegal payment application and collection actions. 

KIA has continued to apply our auto debited payments that are required to be applied to the payment illegally, and have applied to them to the annual tax advance. In consequence, their system has flagged us as delinquent, now by 79 days. This is after we had made a payment previously to KIA and filed a complaint for the same said activity, to which they provided no excuse or even response to that said portion of the complaint. 

KIA has now moved into theft of our personal property as part of their illegal collection and recovery activities. On late as XX/XX/XXXX, they auto debited a payment from our account that should have been applied to the monthly payments as per contract and legal requirements. However, they continued to apply these payments incorrectly and then made the decision to repo the vehicle less than a month later on XXXX. 

Again, they have now illegally applied payments incorrectly and repo 'd a vehicle within a month of the last payment from customers who have been with KIA for 5+ years and had our account on auto draft for payments. 

This has caused significant mental anguish, pain and suffering and if KMF does not take the appropriate actions, we have now started the process to retain legal council to start a suit against KMF.

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 2020-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: KY

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute Equifax XXXX XXXX   XXXX XXXX   XXXX Second Round Equifax XXXX XXXX   XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Collections Acquisition Company, Inc.
State: MD

Complaint narrative:
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX with proof of payment and mailing on XX/XX/XXXX. This debt is reported by CYBRCOLLECT # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call CYBRCOLLECT using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to CYBRCOLLECT on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AL

Complaint narrative:
I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.

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 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020 I attempted to access my brokerage account to manage, was denied access both mobile and online via desktop, contacted via phone. Call 's were disconnected and no customer service or explanation was provided. I am also considered a " preferred client '' with this financial provider. Unacceptable.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Ive received my government benefits onto the American Express Serve Card & my  account was immediately closed due to to sec 15 ( d ) which Ive never violated. {$11000.00} is whats sitting in my account still after two weeks & theyre saying its no way I can receive my money which is total bs!! I have bills to pay & kids to feed & to me it seems heavy that American Express does what they want to do with peoples hard earned money. If this doesnt get resolved Im going to the news with it & then to the president.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My husband and I separately applied for a XXXX XXXX  XXXX credit card offered by Synchrony Bank online, most recently on XX/XX/2020. I was denied once ; my husband was denied twice. 

The reasons given by Synchrony do not match up with a description of our credit profile at all. ( see attached ) For example, the latest denial of my husband 's application stated : -Too few bankcard accounts -Days since most recent inquiry is too short -Number of inquiries -Date of issuance of applicant 's SSN does not match date of SSN of peers None of these statement/phrases are consistent with his credit. I had similar reasons applied to my denial : ( see attached ) - Days since most recent inquiry is too short - Not enough mortgage experience - Length of time oldest bank revolving account has been established is too short - Distance between prior residences is too long This  criteria for denial does not match ME. I have had numerous mortgages and all are paid off. My husband has a car loan that is current. I have had credit cards for more than 40 years. 

Our individual credit scores are above 800. We always pay our balances in full and on time. We have numerous credit cards, including at least one with Synchrony itself.

Synchrony has responded to my written complaint. Its 3rd party subsidiary, XXXX XXXX, also has not responded to my written complaint. I tried to fax my complaint to the number provided on its complaint form, but the fax number did not pick up after repeated attempts. I sent the complaint by mail. ( see attached ). 

I am concerned that our credit rating may be affected by these two denials.

Moreover, we lost out on an opportunity save $ 1,000+ on a purchase at XXXX XXXX  XXXX and had to use a Mastercard instead ( MC, by the way, accepted the purchase on their credit card, but we lost the 10 % savings if we had received the XXXX XXXX  XXXX card. ) We are upset that there has been no response to our complaint about the denial and no effort to take a look more closely at how the reasons given for the denial do not match US. 

Please help. 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 2020-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020 account was unavailable to access funds or manage account. Contacted customer service at XXXX at XXXX XXXX EST to only be disconnected. This is the second time I've had issues with this account under these circumstances. I'm also considered a " preferred client '' with this financial institution. Due to the inconvenience of my not being able to access my account or speak with a trade desk representative, I was unable to properly manage my account and execute an investment trade today resulting in loss of financial gain. I wish to seek compensation. Access to account was unavailable both mobile and desktop applications.

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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Direct Recovery Services, LLC
State: CT

Complaint narrative:
My name is XXXX XXXX. Yesterday I received a phone call and voicemail message by someone who self-identified as " XXXX XXXX '' saying that he was calling to enforce federal law against me but did not identify what kind of matter was at issue or what agency or organization he was calling from. The same call was made to my brother 's telephone line about me. 

When my attorney and I called back the number ( XXXX ), the person who picked up identified himself as " XXXX XXXX 's manager '' but refused to explain what the matter was at issue, did not identify himself at any point as a debt collector, or provide any information about what organization he represented with my attorney present, providing only a fax number to have my attorney show power of attorney, at XXXX XXXX XXXX XXXX. 

From an online search, that fax number is associated with a firm named " Direct Recovery Services , LLC, '' with the following contact information : XXXX XXXX XXXX XXXX 1, XXXX XXXX, MN XXXX http : //www.directrecoveryservices.com/ ( XXXX ) XXXX To my knowledge, I do not owe any consumer debts. While I ordinarily would not file a complaint for a fraudulent scam to collect a nonexistent debt, I wanted to file this complaint officially because they misrepresented themselves to be federal officers and this could pose a real threat to unwitting consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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:
XXXX decreased my credit line based on what Equifax reported to them which was that my credit card ( S ) had been delinquent, the only credit card that had been delinquent was XXXX which I cleared up, none of my cards are delinquent. 
THIS HAS HURT MY CREDIT SCORE, I HAVE MADE A SNAP SHOT OF MY CREDIT CARDS AND BALANCE TO SENT TO MY ATTORNEY, THE FEDERAL TRADE COMMISSION, AND OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I filed a dispute with the credit bureaus that this account is incorrect. Midland Credit Managment is stating that I have a balance of {$370.00} from XXXX XXXX. I have informed them numerous times that this account was paid in full years ago with XXXX XXXX XXXX   but yet Midland Credit continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that Midland Credit get an update account information from XXXXXXXX XXXX XXXX and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The midland funding LLC account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank decided to close my Mastercard account and freeze my card. This renders our cardholder agreement null and void. However, CitiBank has increased the monthly payment on this account citing the cardholder agreement, and then changed the cardholder agreement after they closed my account. Citi chose to close this account without my knowledge or permission, and without " contacting the cardholder and attempting to resolve the dispute '', and therefore the cardholder agreement is no longer effective. In addition, I do not agree to any changes to the " cardholder agreement '' after my account has been closed. Citi Bank needs to lower my monthly payments back to what they were when they closed the account and froze the card, and to the original cardholder agreement.

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 2020-09-03 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an email from American Express statingDuring our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team. This has been my account for 5 years they say they closed it because I received a direct deposit in my name from my employer?? Which I've been getting those deposits for 5 years because I work there then they just close it no call mo warning nothing just closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation