vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express after opening a XXXX XXXX XXXX XXXX to inquire about a promotion offered for XXXX miles if you hit a certain spend threshold. The representative was going to contest my being declined for the rewards and would get back to me. I followed up on XX/XX/XXXX and the representative told me that the miles were approved and I will be receiving them. Based on that information, I made financial decisions with the knowledge that the miles were coming : I made a large purchase that day on the Amex card instead of using a different card, and I also redeemed miles for a flight that I otherwise would not have done. I called back on XX/XX/XXXX to check on the arrival of the miles and the representative said they were coming and they take 6-8 weeks from the point that the spend threshold is met. By XX/XX/XXXX, the miles had not arrived so I called Amex again. For the first time, the representative told me that my miles offer was declined and that I would not be receiving the miles. They had no explanation for why two previous representatives informed me that the miles offer was available to me and that the bonus miles were going to show up in my account in a matter of weeks. They also had no specific information as to why the miles offer was denied. Additionally, Amex sent me a mailer asking me to apply for the same card and that there was a similar offer of ( now ) XXXX bonus miles. At the end of the day, we're talking about ~ {$1000.00}. It's not an insane amount of money. However, I was given specific information that I'd be receiving this bonus from TWO representatives ( on XX/XX/XXXX and XX/XX/XXXX ) and I then made financial decisions based on this false information. While the representatives may have been misinformed, that's on Amex and not on me. I have enjoyed my different Amex cards and their services since XXXX, but this is ridiculous. Amex is supposed to be the company who fights issues like this for their cardholders ... they shouldn't BE the issue. I then reached out to the XXXX XXXX XXXX to have them assist in getting this resolved. AMEX did not resolve the issue, but they sent me a written letter in the mail claiming that their representative did in fact tell me that my appeal to be eligible for the promotional bonus miles was successful and that I would be receiving the bonus miles when I hit the spend threshold. The letter continued that they would retrain this individual. They apologized. They also stated that I will still not be receiving the points. I have this correspondence where they admit fault and follow up to do nothing in the way of making this situation correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: PA

Complaint narrative:
My credit card was being swiped at a merchant I frequently used while I was not there. I filed a dispute with Chime for a total of {$41.00} in fees. The csr stole the provisional credit and then sent me an email stating I would not be getting a provisional credit although my dispute was just filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX my social security an overall identity was taken. I made police reports also filed all necessary documents as I found out who took all my accounts an information. I then called all my credit card companies to make them aware after i claimed the identity theft all credit accounts good an bad were closed from companies. During this time my credit was ran 26 times In a few days. XXXX this account was originally opened. Now the American express account is charged off/closed status. As of XX/XX/XXXX my account became past due for amount XXXX. 

3 of 7 of my accounts were breeched. One account was put in my name from XXXX in amount of {$1700.00}. 

1. American Express amount of {$1700.00} was the final charges in total. I made them aware months before as I was unaware why my balance kept going up 2 months prior to my knowing. An 2 others. One account was opened in my name as well. 
2. XXXX XXXX XXXX. XXXX XXXX This account was opened in XX/XX/XXXX. Originally I had a balance in result of identity theft in amount of {$1300.00}. 
As the account was reopened for 3rd time w a different account number w same balance as original. After communicating with the company they removed this account 6 or more times. This account keeps adding back to my credit profile as well as the last time it was reported opened under a new account number an at one point had a limit increase according to XXXX. All documents an prooof needed an police report an new filed police report have been given as well to company was also past due as of same time frame originally prior to being resolved the first time around. Currently in XX/XX/XXXX the account is past due. 

3. XX/XX/XXXX my XXXX credit card for XXXX was opened as my account reflected perfect payment history until XX/XX/XXXX. This month my account went past due w charges showing past due of XXXX as of XXXX of XXXX. I contacted the necessary party, gave all my reports an explained my identity theft. I have this account removed more than 3 times off my credit in this amount of years. For some reason it keeps popping back on my credit. Right now XXXX  is the bearu the accounts keep coming back on. 

XXXX account in amount {$1700.00} showing its new open date was XX/XX/XXXX. This account was not opened by me an was added to my credit an opened without my knowing due to identity theft. XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX This account was removed 5 to 6 times as well. 

As a result I had to remove myself from certain business accounts as my credit declined from identity theft. Also as a result of these account being added an removed multiple times has completely ruined my credit to the point it has been impossible to reestablish credit due to the constant changes. I lost points everytime they re- added accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had a Auto Loan with US Auto, which was supposely transfer/bought out by Westlake Portfolio Management . I called Westlake Portfolio Mangement and ask for a copy of my contract because the lenght of the terms they have is not matching my orginal contract that I signed with US Auto- I was told that they can not locate my signed contract. I asked may I hold any payment until they send me a signed copy of my contract. They advised me that I can but my car will be put on the repossession list if I do not make a payment today. Other representative just put me on hold for hours until they send me back unto an pre-recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My wife and I run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a checking account at Mountain America Credit Union ( MACU ). A check for {$250.00} that was mailed at the post office on XX/XX/2023 to our accountant was intercepted in the mail and " washed '' and deposited into a fraudsters account for {$16000.00} on XX/XX/2023. I noticed the bad check the next time I was logged in to manage the account which was 13 days after it was posted to the account. I immediately notified the police and the credit union. MACU has taken the position that unless I report a bad check within one day of it posting to the account, they take no responsibility for paying my money to a fraudster. This is absurd. I have a business to run and don't log in to check my account every single day. I have spoken with other banks and credit unions in my area and have been told that they do not have this policy so it appears that MACU is out of line with the industry here and throwing their members who are victims of fraud under the bus. As of XX/XX/2023 I have been trying to get an update on the case from MACU. I have left 4 voice mails and an email over the last couple of weeks for the person in the fraud department handling the case and have received no response. This very frustrating and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from 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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is about Wells Fargo I have a checking account with them and Im consistently calling them because they always put overdraft fees on my account even though I have the money to cover it. I Have called them multiple times due to them freezing my account to these overdraft fees since Ive had Wells Fargo checking account but this last time I got fed up with them, I called yesterday XXXX XXXX because I noticed overdraft fees on my account XXXX XXXX XXXX and the dates on there I had money in my account plus I get direct deposit from my job the dates were XX/XX/XXXX on one and XX/XX/XXXX on the other overdraft fee I had just received a payment of XXXX plus my daughter sent me XXXX to my account plus I had XXXX dollars direct deposit in my account right around the times that those overdraft fees were for so why are they charging me overdraft when I had money in my account so I called them and they do not listen to what I am saying plus the took off my overdraft protection without notifying me how can they do this my daughter works at a bank and she told me they can not stop your overdraft protection unless you tell them to or you close your account I never told them I want the overdraft protection off my account im so upset with Wells Fargo they want to do what they want to do and not what the customer wants and thats not right that they can make changes to peoples bank accounts without notifying the customer and these overdraft fees when people have the money to cover 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 monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Yesterday I looked at my credit card balance with Capital one. I seek that XXXX $ was added onto my account paint my bill down that I owed to them. I could not pay the bill at the time because my father just passed and I could not work because I been mourning his loss. When I first started with Capital one they told me that I would get my security deposit back without a problem. They placed my security deposit to my bill without my permission resulting in me not able to pay other bills because I was waiting on the money for months now. Soon as I started not to pay they closed my account on the XXXX of XXXX. They did not give me any kind of letter or notification stating my account was going get closed. I never gave them written consent to close my account either. They lied to me about my security deposit of {$200.00} to fund this account stating I would get it back. They stole from me and didnt give me no time at all. I know my account has been non active or no payment came because Im in mourning they were supposed to honor what I told them and they didnt. I was just on the phone with a manager he was over talking me the whole time and did not let me get my thought out and stated we can use your deposit without telling you and give you no notification for non payment. How can they do that to a consumers account without any written consent. Now I have another account with them and the bill is the same way because Im still mourning. I cant go back to work because my mental is messed up losing a father is tough on me XXXX cant do it some days. Im on public assistance also with me being XXXX so I couldnt pay anyways. They did not help me at all nor did they send notifications of this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
LEXUS NEXUS reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until XX/XX/2029 even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report NOR verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My spouse transfered the balance of.my card to hers for interest free promotion. The amount of {$2900.00} was credited to the wrong account. I requested the amount be credited to the correct account which was not done. I asked for a refund of the amount and the credit was removed in full but not sent to the originating account nor was it issued in a check. This occurred in XXXX and the last conversation I had, after being hung up on by the first representative, I was assured that the redit would appear on the XXXX billing statement. This has not occurred. Clearly Citi intends to defraud me of {$2900.00} as well as the interest incurred on the account as a result of thier fraudulent activity.

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 2023-10-20 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.

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 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
My max credit with this account from when i opened has been XXXX. I have paid back over XXXX XXXX dollars with no draws, almost all being on time. My balance has not gone down a single cent, in fact it has increased, no matter how much i pay back. 

They refuse to detail these imaginary fees on any statement. My money should be going straight to the principal and interest, which should be the same since i opened the account. 

Instead, it seems fictitious fees are being added or my money just is not being taken and applied to my principal. I find this to be illegal ( fraud, robbery ) As they are just taking my money every single month and not reducing my balance based on unknown reasons, and then keep charging me every month. 

My balance should be below {$1000.00} by my calculations, however it still shows as GREATER THAN XXXX, more than i ever could have even taken out. 

I need to know exactly what is happening with this money, where the itemized charges are ( as this is required by law ) and the exact lines in any documentation i signed that depicted these figures and fees. 

I expect my account to be fully forgiven and closed by the end of the weekend, otherwise this will go to court. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received a Copy B of a 1099-C form from Nelnet on behalf of a private student loan with their company Firstmark Servicers LLC XXXX XX/XX/2023. This form indicates : " You received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. '' The debt obligation has been discharged, however, this has not reflected on my account with them and they have continued to send me communications stating repayment status has initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX XXXX Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDGELENT AND I REQUESTING THAT IT BE REMOVED FROM MY CREDIT FILE XXXX IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( XXXX ) to be Deleted off my credit report. 
Enclosed may be additional evidence to support my claim.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Services is reporting inaccurate and unverifiable information on my credit profile. The account number XXXX can not verified under my personal information with Portfolio Recovery Services XXXX I am requesting that Portfolio Recovery Services delete this account from my credit profile under the FCRA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verifiable information to the consumer credit report. If the information is not accurate or verifiable it should be deleted. A Representative from Portfolio Recovery Services could not verify that my social matched the social they had for account ending in 1970. Under section 605B ( a ) ( 1 ) of the FCRA Portfolio Recovery Services, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted in identity theft, not later than 4 business days after the date of receipt by such agency a copy of an identity theft report.

Company response to consumer: Closed with non-monetary relief