vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I want a credit limit increase I deserve it and eveyirne I call them their system without checking my credit declined me for XXXX reasons when I make my payments on time and I want a contactless card and they dont give me one

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 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I received a phone call from Best Buy consumer protection dept asking if I applied for a credit card my answer was no because I never did the representative told me that someone tried to open a credit card in my name but I dont need to worry he will close the account and mark fraudulent The he continued to ask me if I can provide my social security no. I refused and I said you can tell me the social you  have on the application and I will answer if its mine or not he refused and hang up On XX/XX/XXXX I noticed that a Best Buy account was added to my credit report with a charge of {$4000.00} dollars I never applied for an account and I never purchased anything thing from the store

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 2019-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX my mom sent me {$100.00} on cash app, my name that I go by is XXXX XXXX but when I tried to log in to that account it said it was unavailable. Previously I lost my debit card aswell that was attached to that account. So I made up a new cash app which is XXXX XXXX and my funds are not on my account. My phone number is+XXXX I need my money. I contacted cash app 3 days ago and they never emailed me back. I used the same email for both of my cash app so what is the problem? I need my money and cash app is not doing nothing About it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I supposedly owe {$8700.00} for an XXXX XXXX account XXXX, I have attempted to dispute the debt with verification from XXXX that it is owed. I then attempted to contact the collections agency ( Midland Credit Management ) to find my account after failing to create an account due to invalid information. I called them and gave them my full social security number and name, as well as birthday, and they do not have the account with my full information. I also contacted the creditor for resolution but they are not able to help.If they do not have an active account tied to my information, how are they claiming I have any debt owed to them when they can find nothing with my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
The debt is not mine. The debt was incurred in XXXX XXXX I live in Florida. My identity was used stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX and XXXX contacted me concerning a loan I had in XX/XX/XXXX with Flagship credit acceptance stating I owe XXXX but the will settle for XXXX. I contacted Flagship and was advised they closed the account in XX/XX/XXXX. XXXX and XXXX threaten to sue me and put a bank levy on my account. It was suspicious because no details about the company is verifiable, I only receive the first name XXXX, no last name stating he was an attorney then he later said he was a paralegal. Several calls were received but wasnt stating this is an attempt to collect a debt clause, He just rushed and frighten me by Requesting payments via XXXX XXXX or XXXX. The phone numbers given are XXXX and XXXX. And they did not have correct information and asked for my last four digits of my social security number. I believe this is a fraud or scam. When I submitted the address given, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX in XXXX it provided a residence for XXXX XXXX. not a business. Nor was I able to search the company online. They didnt seem to have details that they should have known to begin with.

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 2019-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Stop communicating with me vis mail, you say your not harassing me. Continuously sending male is harassing me. Stop enough You seem to think i am someone you can push around with all your lawyer talk sorry nope. 
According to the Fair Debt Collections Act this communication is supposed to stop after the time barred debt. It has not even through mail that is a type of communication. This wad passed this year XX/XX/2019. 
As you can tell by this website I have tried to fix this numerous times, it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
I moved into a house from a apartment, I canceled my lease and paid all fees before turning in my keys. The apt manger advised me nothing else was owed when I paid them in full the day I left. I received a letter from Hunter and Warfield stating I owed them close to {$600.00}. I stated I owed them nothing and to please not contact me again. They have repeatedly called me and my wife. My wife was a financial party to contact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took Bank of America to Courts twice. Once in the U.S.District Courts of Missouri. Then next in the Sepreme Courts of New York.

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 2019-09-15 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: MI

Complaint narrative:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the experian, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the experian.. Tried contacting Experian about but cant get to a live person regarding this matter upon trying to lock my credit with Experian doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.

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 2019-09-15 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: MI

Complaint narrative:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX doesnt let me cause reported address has been changed. With transunion report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.

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 2019-09-15 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: MI

Complaint narrative:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX  doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and equifax showing 3 false credit reports. All the inquiries span of the dates of XXXX XXXX XX/XX/10 all these have more then one application for a credit card opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express membership rewards has switched to views/screens that do not allow for someone to reconcile the points we SHOULD receive per the terms/conditions/charges etc. vs. what they maintain in our Membership Rewards account. They do not show how/when amounts are added to or removed from the account in a way that supports a simple monthly reconciliation. This is exascerbated by the fact that I've recently had to deal with a multi-month issue where they were not provided the Membership Rewards points as described by the terms and conditions of the card used. After months and months of complaints, American Express finally admitted an issue and simply sent an email saying something like " we identified an issue. It's resolved. You don't need to do anything else ''. They never provided the details of how the issue affected my Membership Rewards account balance, they never provided any numbers for how things were resolved etc. 

Now that they have made it impossible for users to reconcile, any future issues will be almost impossible to catch because there is no transparency to the Membership Rewards account posting credits and debits. Rather, they simply show a PARTIAL listing of transactions which at some point ( we never know when ) apparently switch from " pending '' ( aka not included in account ) to " posted '' ( aka included in account ). 

The new updated website makes it impossible for a consumer like me to hold Amex accountable to the terms and conditions of their rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Service
State: MS

Complaint narrative:
I was in the hospital at XXXX XXXX XXXX XXXX for 8 days in the later part of XXXX and the first part of XXXX in 2017. 

Because of my financial situation, I applied for and received charity from XXXX XXXX XXXX XXXX for this hospital stay. I am including the three letters that I received for charity, which includes the amounts and the dates of coverage. 

Last month Alliance Collection Service in XXXX Ms , put 3 collections on my credit report that was from these dates. They are as follows : XXXX XXXX   {$620.00} -- -- -XX/XX/2017 XXXX XXXX {$770.00} -- -- -XX/XX/2017 XXXX XXXX XXXX {$680.00} -- -- -XXXX 2017 I have contacted XXXX   XXXX  and they have referred me to the Medical Billing Office to where the charity dis located, There is not a number for XXXX XXXX XXXX that I can find except for the main hospital phone number. 

I have spoken with XXXX and XXXX/XXXX ( not sure ) at the Medical Bulling Office and have faxed 6 pages showing the collection letter form Alliance and my charity letters. They have been professional and told me that they would contact Alliance, but I have not received any letter confirming this and the charges are still on my report. 

The numbers that I have are : Alliance Collection Service -- XXXX XXXX XXXX -- XXXX Medical Billing Office -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 a technical training company charged my debit card {$590.00} for a product I did not request. I called them for an online training course I needed to secure work, and they told me to purchase the course from their website that day. I followed their instructions, but the course I was sent via email was not the course I requested from them. I did not use the course they sent and called their agent immediately. The agent blamed me for getting the incorrect course and demanded more money if I wanted the course I requested. Further attempts to get assistance from the company were not successful. I contacted my bank to file a complaint. My bank issued a temporary credit, but later reversed the credit and awarded the money to the tech training company. I hired a lawyer to attempt to resolve the issue, but training company would not issue me the course I requested or give me my money back. I tried to re-open the complaint with my bank, but they told me I had no recourse. I sent a letter to the Executive Office of the bank to register my grievance. I still don't have my course or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I had applied for a mortgage modification with Select Portfolio Servicing on XX/XX/2019. At the same time I was seeking information from two different banks as to whether I may be able to qualify for a refinance on my loan. There were some things i needed to pay off on my part to boost my credit rating in order to qualify and this took a couple of months. I stayed in touch with Select Portfolio to let them know what I was doing so as not to let them think I didn't want the modification. I needed that to stand in case the bank loans didn't work out. 
During the time I had forgotten to send my hardship letter as part of the mod request. I had until XX/XX/XXXX to get it to them. In a phone call to many Select Portfolio reps I was told that they would extend the time for me to get the hardship letter in since I wanted to see if the Bank loans would work out first. One representative even told me that they actually had one on file from a previous request and that they could use that. 
Eventually it was taking me more time to get my credit score where I needed it to be before the Banks I was seeking a refinance with would consider doing it. So I got my hardship letter prepared to send to Select Portfolio. I called and spoke to a representative on XX/XX/XXXX to get information on where I should send my hardship letter and was told that the modification was cancelled due to the hardship letter not getting there on time. I had previously spoken to a rep about it that XXXX XX/XX/XXXX who told it would be fine if I got it in on Monday. No warning that the modification request would be cancelled by then. I was misinformed by multiple representatives and i find that unacceptable. 
I am still trying to work with 2 banks to refinance but have a foreclosure date two weeks away on XXXX XXXX. 
I have disputed this decision by select portfolio directly with there Ombudsman Dept. and have gotten back no response from them and with a foreclosure date set in two weeks. I believe this foreclosure date should be postponed and I should be aloud to reapply for a Modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/2019 I called pra because they showed up on my cbr while talking with the rep I asked what is the ssn they have on file she stated a ssn that doesnt match mine. I dont understand how they can add something to my cbr and the ssn doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion continues to report inaccurate information on my report. They reported that I was no longer an authorized user on a XXXX XXXX account, however, this account had been closed years ago. They are reporting my debt as high for my student loan as having missed payments. This is incorrect, as my payments don't begin until after I complete my degree which will be 2023. They also did not remove a collections account after I submitted documented proof that it was incorrect. They are a complete scam and I will take legal action.

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 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I have received a bill for {$120.00} from FIRST CREDIT SERVICES , INC. on behalf of XXXX XXXX XXXX XXXX, TX. The debt is supposed to be an outstanding balance. 
I cancelled my membership with the XXXX XXXX   earlier this year due to another issue I experienced with them over my wife and sons membership. I had to cancel twice via XXXX XXXX XXXX website which is where one has to terminate the service. The first time $ XXXX/month continued to leave my account, a desk representative in the XXXX gym said that it can not have registered in the system and to try again. 
I tried again and this time I was rewarded with a message telling me that I could expect to see another {$10.00} go from my card before the account was finally closed, this should have been the XX/XX/XXXX payment. This duly happened and I thought the account finally closed. A month later, in XX/XX/XXXX another {$10.00} went from my card, this is when I called XXXX and told them I was disputing the payment and to not make anymore to XXXX XXXX - XXXX, TX. The XXXX payment was cancelled by the bank. 
From the date of the cancellation until now, I had not heard from XXXX XXXX - XXXX, TX, they permitted the bill mount up and then turned it over to FIRST CREDIT SERVICES , INC . 
There seems to be something fraudulent where one can only cancel a " service '' via a website controlled by the service supplier. I have experience of going onto the XXXX   XXXX  - XXXX, TX website on two occasions and my cancellation ignored. There is no guarantee of achieving success in their system. 
I have a prior experience with XXXX XXXX XXXX - XXXX, TX which was very hard to cancel inXX/XX/XXXX.There was no website and I finally had to send a recorded delivery letter to an address in Florida to have my account closed. Why did I join the XXXX branch? My wife signed me up as a surprise when I was out of the country, and as I was already enrolled, I used the gym when I was in town. Last year, XXXX, the gym failed to update my wife and sons payment details when I presented my new credit card at the gym, a huge bill for the pair of them was ran up with no notice given. I decided to pay their bills and resign myself, this is where we are now. 
I called the FIRST CREDIT SERVICES , INC. and spoke to a representative on Tuesday XX/XX/XXXX. He told me to write a letter to their office at XXXX, NJ. This has been done and we await a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Student loans was put in with my Chapter XXXX Bankruptcy, because it was on my credit profile as a Debt. Case number XXXX - XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX On XX/XX/XXXX, This case was finalized and CLOSED. How ever, they are still reported on my credit report as " Debt included in or discharged through Bankruptcy Chapter XXXX ''. as negative report. While on other credit reports has updated to " Pay 's account as agreed '' XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3600.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct Unsub Stattford Loan {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$3.00}, 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