vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
this debt was settled in ligation with zero liability the have attempted to collect two years later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX two times XXXX charged XXXX  ) ) XXXX and XXXX. Called to dispute and XXXX was credited. I need the XXXX also. XX/XX/XXXX XXXX refunded XXXX but isnt on my account yet. XX/XX/XXXX XXXX XXXX refunded XXXX and that has yet to be in my account. How can yoir bank hold my refunded money for 7 days? Thats absurd, my government taxes were put on this card and it doesnt sit well that my money is being held by your bank and then customer service had an attitude and asks for my personal info 20 times when you speak to them. I want my money in my account thats not asking for to much i hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I informed the company the debt was the product of identity theft. The company asked for and received proof of my residency at the time of the rental in question. I sent the entire ledger from my current residence. The account was removed from my credit file by XXXX. The company then placed a fraudulent address on my credit, reduced the debt by XXXX and put it back on my credit. I would like this company permanently blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: UT

Complaint narrative:
THD/CBNA - XXXX : I was not late on this account. I was trying to pay online and their system kept kicking me out - So I called them on the phone and they told me that my payment went through.

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 2020-05-21 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: Block, Inc.
State: MI

Complaint narrative:
Cash app has been down since XX/XX/XXXX at XXXX i have contacted customer service 6 times I've XXXX  them because they have no direct line to verbally speak to someone still no word from cash app nor XXXX XXXX  im XXXX havent ate they havent released a real time statement or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Buying windows from Home Depot it was charged to their store credit card account number XXXX XXXX XXXX XXXX. The order was cancelled within less than 5 days because I bought the windows from another store. I contacted the person who came to my home and I was told the charged amount was credit back to the card this was in XXXX of XXXX. In XXXX I received a statement saying I owed the charged amount with interest and late fees. I called the card and explained that these order was cancelled. I was assured that all the charges was removed and the card would reflect a XXXX balance on my next statement. Every month since XXXX they keep adding late fees and interest charges despite calling the previous month to resolve the issue. Not only have they not resolve the issue of the late fees and interest charges but they have incorrectly reported the account as late to the credit bureau affecting my credit since XXXX of XXXX. My credit score has fallen from XXXX to XXXX. Today XX/XX/XXXX I spoke to their client service department ID # XXXX who told me that I have to speak to their dispute department. Since I cancelled this order in a timely manner these charges should not apply to my account. I also asked them to close the account since XXXX and this account remains open for them to keep up charging late fees and interest that should never have been charged in the first place because this order was cancelled and the amount charged to the account never used.

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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
I am very close to paying off my mortgage. Due to this I was trying to do the math and used for the first time the SC HOUSING, on line mortgage information, what I notice was that the math was not adding up. 

In XXXX, 2020 I paid {$350.00} the amount due is {$320.00}, ive paid this amount for years, to reduce the principal amount, even if its a little bit. 
I had been informed many times before that any amount paid over the monthly amount it is applied towards the principal. 

In XXXX, 2020 I ' paid an additional {$500.00}. 

On my on line account I notice that the escrow amount was paid twice, I called to inquire. 

The explanation I received varied, it was the computer, we applied it to future payments, you needed to inform us how you want the excess payment applied, etc. 

When I repeated what I was understanding the conversation came back around. On this day I was also informed more than once that the excess payment would be applied to the principal. 

I was utterly frustrated and amaze that my intelligence was totally not considered, this conversation was the same with the cashier and the manager. 

At this point I requested a history of all payments made and their breakdown. 

I now do not trust this agency because their actions are showing self interest, and I am concern because I don't believe i have the true balance of my mortgage and I believe that I may have paid interest on this loan that I should not have. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
* On XX/XX/XXXX, I purchased a Mattress from XXXX XXXX, on XXXX XXXX XXXX in XXXX CT for XXXX The purchase was financed by Synchrony FInancial for {$10000.00}, in a new consumer account. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX On XX/XX/XXXX, two other purchases were added to my newly opened account - one for {$2300.00}, and another for {$590.00}. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX These two extra purchases the next day WERE NOT MY PURCHASES. An error and/or fraud allowed two other new purchases to be added to my new account. 
* After contacting the retail location and Synchrony, they did issue me a credit for the charges for the purchases made on XX/XX/XXXX. So, the total amount I owe, became correct. 
* However, the credit was proportionally distributed to three different loan balances. So though the total amount owed is now correct, but the share of the balances that the 0 % promotion expires for in XXXX is incorrect. I technically still have the loans open for purchases that I did not make, with less favorable terms. 
* I contacted Synchrony explaining my issue via email, and they have no complied with fixing it. 
* The correct resolution would have been to remove the erroneous loans from my account, not to issue me a credit in the total amount. I am now forced to pay down my total balance in an accelerate manner versus the terms I was given. They are in breach of the terms of the contract which I signed.

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 2020-05-21 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: TX

Complaint narrative:
I am writing to dispute the following information in my file : Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Item 2 : XXXX XXXX XXXX XXXX - Account XXXX You will also find these items on the attached credit report. The item I have identified is inaccurate because I have never had a card for this company. Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, 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 explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I purchase my car on XX/XX/2014 and was paying thought my bank the amount of {$390.00} monthly for the past 67 month never missed any payment then when the pandemic hit our economy I lost my job I called some creditor such as my wife car payment and my house mortgage to get an extension or 3 month till I get back to work I call Nissan for my van they claim to give me 2 month I thought it was 3 month and that was the beginning or XXXX the I got this phone call about to collect dept was told that I have accumulated {$580.00} of late charge that I never know about till this moment plus my current monthly payment that's {$970.00} and 2 month additional to my loan added for the missing 2 month payment i was shock I called Nissan I mentioned the I never received statement shows me the due date. otherwise I will schedule for the write date that will not make any different to me I mention that I was not ware the due date on the XXXX I thought since I bought the car its on the XXXX that's why always comes out on that day.I have never receive call or notice that I was paying late. and now with the last of my job its too hard financially for me barley make it. I am hoping to get this issue resolveIi will appropriated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclays Bank XXXX : I was not late with making the payment. I made the payment online and it kept kicking me out of the confirmation site. I called the company and they confirmed that my payment did in fact go through.

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MI

Complaint narrative:
cashapp is the worst financial app out here. its really the giveaways they do when other customers are struggling to access their own funds. i have a direct deposit thats in my account but hasnt been credited to my balance. they have no phone support or online chat or anyway to inform their paying customers on the situation. its been 24+ hours in a pandemic with them failing completely they should pay serious consequences i want to press charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established  XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP
State: NM

Complaint narrative:
15 years ago someone opened up some type of an account in my name ( my maiden name ), I disputed it with credit bureau and it was taken off of my credit. This morning I was notified that my paycheck is being garnished from this debt collector named Forster and Garbus, my employer showed me the paper, i was never notified of anything, the paper is in my maiden name and it is for the same matter that was disputed many years ago. They are saying they are going to take {$330.00} from every paycheck for debt around XXXX  I am currently in a debt consolidation program for any debt I owe so I called them and they told me what this creditor is doing is illegal and that i must file a complaint with FTC. I also called the number of the creditor and some woman started asking me personal information and I would not give it to her so she got frustrated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to apply a temporary unfreeze of my credit at my.equifax.com following Equifax 's web site links. I had previously created an account with Equifax. When I tried to log in, the web site informed my I needed to contact Equifax at XXXX. When I called I was informed that I could not use the online system with a vague " based on the information that you have provided during the account creation process ''. I later received an email from Equifax stating I can only freeze and unfreeze my account via mailing a form or calling them. The following is the bulk of the email " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone '' I feel I am being discriminated against for an error I unknowingly made that I can not correct. Why can I call, wait 45 minutes for someone to add/remove freezes on my account and not do the same online. 
What really concerns me is, with Equifax 's previous lax security measures, that there are errors in my credit file held by Equifax such that Equifax has the incorrect info preventing me from accessing the data online when I present the correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: LA

Complaint narrative:
consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.

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