vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: FL

Complaint narrative:
We are very disappointed with the way American Express has handle our account recently after being a customer since XXXX. I had called them to get the amount due deferred which was approved for one month, I was told that the deferment would not interfere with us using the card, I also told the agent that we have a XXXX XXXX and our revenue right now is almost 25 % from 100 % and that we will during the month make some type of payment as money comes in. On XX/XX/XXXX I attempted to pay our auto insurance and the payment was declined, that same day I was planning to make an online payment of XXXX.I called and after being tossed around to different dept I finally got an agent to help me, he couldnt understand why the transaction was declined, he put me on hold and went to speak to his supervisor, when he came back on the line he said the reason why was because our pre set limit was XXXX and we only had available XXXX, I ask him since we had planned to pay the XXXX will that allow us to resume the charges, he said that if I made the XXXX payment, then we would have XXXX available, I explained to him that thats almost all the money we had and we counted on the Amex to keep purchasing the essential he said yes that we would be fine as long as we dont go over the limit, 2 days later our charging privilege were suspended and the balance was only XXXX we still had XXXX available going by the XXXX which is what he told us, now we couldnt charge and we had given American Express almost all the money we had, how can they do this? I called again, the first agent I spoke to told me that the reason was because we needed to pay XXXX which was part of the deferment and the current which its not due till XX/XX/XXXX, this amount was deferred how can they suspend our charging privileges for that reason, I had her transfer me to a supervisor, after a long wait I got someone that his english was so poor I had a hard time understanding him and what he said was that the pre set limits change, I told him, I was not told that, he said all I could do is make another payment, I could not believe my ears we are going thru this pandemic and here is this guy telling me to make another payment? With what? Now I couldnt pay them anything else because they took our money and stopped us from charging for no good reason .... We were lie too and I find that so unprofessional, I can't still believe what American Express has done to us mostly at this time. There is no way for us to be able to pay anything else on this card because the cash that comes in we have to use it. Very inhuman, we thought American Express was the best, not anymore, we will never forget what they have done to us. We were lied too and cheated. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
ERC - Enhanced Recovery Collection company is attempting to collect a XXXX cell phone bill from 2012. Collector will not remove debt from my credit report and keep reporting debt as a new debt. I have disputed with XXXX multiple times, 3 times. Please assist with resolution. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted Nelnet in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see attached. This account is past the statue of limitations to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have had a Credit card with Bank america for over a year. I used the credit card for work/travel expenses. Since the end of 2019 I have not been travelling and have not been using my card ( with the exception of a couple of small charges. 

I have had near perfect credit my ENTIRE adult life. Credit is usually XXXX ( plus or minus 10 points ). I dont ever carry a balance on any of my credit cards, I always pay them off each month! 

In this case, because I was no longer traveling or using the card, I forgot about the card and the bills. I had a couple of small charges on there ( including my {$75.00} annual fee ). I failed to pay the bills purely because of an oversite. Total balance was something like {$300.00}. When I realized that I had failed to pay the credit card, I paid it in full. At this point it was delinquent, but I did pay in full. Unfortunately, without my knowledge, bank of america closed my account right after I paid in full and reported to the credit bureaus. 

Today, I just tried to refinance my house and realized that my credit score had gone from a XXXX in XXXX to a XXXX in XXXX ... .a 159 point drop!!! This seems egregious when I have paid the account in full.

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NM

Complaint narrative:
Dear Sir or Madam, My complaint is about ERC creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ XXXX # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to ERC after DENIAL letter I wrote to First Source Advantage. On XX/XX/XXXX ERC [ XXXX # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from ERC ( ERC dated the letter XX/XX/XXXX ) harassing me about the same debt. If ERC believes they want to take legal action against the Estate of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and ERC collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past four days I have tried to access funds from my account at 5 different atm machines located at three branch offices in XXXX, CA. Each time the atm had a notification that withdrawls were temporarily unavailable. I believe someone from Bank of America has made a decision to limit cash withdrawls throughout XXXX to either save money or reduce costs. I can not access the funds in my account. Other atms from different banks with which I have accounts are not having this issue. I believe this is an intentional action that was taken by the management of Bank of America in town. I would like for someone to investigate this matter and hold whomever was responsible for this decision accountable. During this pandemic crisis it is unimaginable that Bank of America can be left to take advantage of their customers for their increased benefit and profit. Banks receive preferential treatment for property taxes and other liabilities because they are supposedly offering a public service. I believe in this instance they have misused their authority and should be held accountable.

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 2020-05-06 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: TX

Complaint narrative:
I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, I purchased three airline tickets with XXXX XXXX, XXXX for the amount of {$1000.00}, but due to COVID-19, the XXXX government banned all entrances to the country ( documents attached ) and flight was cancelled BY AIRLINE. I did have to find out all by myself since XXXX   notification was sent to us, two days after travel s date, ( please see attached, copy of e-mail sent by Airline on XX/XX/XXXX, when flight date was XX/XX/XXXX ) of flights cancellation. Now Airlines refuses to give us back the permanent credit to our account, arguing that I purchased a non- refundable ticket. As I had explained to the credit card ( Citibank ) and Airline, THE FLIGHT WAS CANCELLED BY AIRLINE, how were we supposed to flight. 
Meanwhile credit card company, CITICARD, has been just staging, our rights back and forth with the merchant ( XXXX XXXX XXXX VA ).  We have provided documentation to the credit card company that by law, stated by Aviation Consumer Protection by US government, passengers are entitled to a refund of the ticket if flight is cancelled and even if schedule changes. 
Every time Citi receives a reply from the merchant, our rights are waived and amount is charged again to our 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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
Ive tried disputing this account with this company several times and the company failed to provide me with verification of a contract with their agency bearing my signature. Ive also called the company to ask them to provide me with information that theyre legally bonded and licensed to collect on a debt within the Maryland area. The representative got rude and hung up on me after I disclosed to her that, I researched the company name and license in the state of Maryland and their license has been expired since XX/XX/2020. Which makes them not legally bonded nor licensed to conduct business in this state. She then told me that I needed to take that up with a supervisor who she transferred me to their voicemail, where I left A message and have yet to get a response back. This was over three weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TX

Complaint narrative:
I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score

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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Horrible experience when calling customer service to report my debit card lost I was sent a debit card that is not contactless tap pay technology when I called them to notify how come the debit card I received is not they act like they dont know what Im talking about and said contactless is not available so then it doesnt make sense how come my previous card was contactless and had the feature to tap pay when making a purchase and now when Im requesting a new one its not because I lost it and they tell me its not upon customer request this is horrible its not fair

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2017 I applied for a Navy Federal Credit Card. When applying, they gave me the option next day air the credit card to me for a fee of {$12.00} that would be charged to the credit card account once approved. The account was NEVER approved. The {$12.00} was reported as delinquent/late pay. I even paid them the {$12.00} expecting them to remove this negative & false information from my credit profile because I never had an OPEN credit card account with them. It is still present on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Midstate Collection Solutions, Inc.
State: GA

Complaint narrative:
I have NO contract with this debt collection service the original debt was discharged and balance was paid by Medicaid which I have had for 20 years. I am a secured Party Creditor and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under  penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 )  days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX 's XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have two accounts with American Express ( see attached documents ) for over 10 years. I am putting in another complaint with a different account number. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was hired by an employer under the name XXXX XXXX who was referred to me by a company called XXXX XXXX XXXX. I applied for that job on XXXX. When they said that position was filled they referred me to apply for XXXX because she needed a XXXX XXXX. I started Monday XX/XX/20 and she mailed me a check for {$2800.00}. She advised to deposit into my personal account ASAP and keep {$200.00} for myself. I confirmed it went through XX/XX/20. Immediately she had me go to XXXX to purchase XXXX USD of XXXX money orders and have them shipped to a address she provided for priority shipping for an additional {$52.00}. Now today XX/XX/20, the check has bounced and all that money was charged to my personal account. They scammed me. Ive spent countless hours on the phone with Bank of America and they will not file a claim and refund me my money since they do not deem it as fraud. Ive had a long relationship with this bank and they are holding me responsible for being scammed and wont reverse the charge. They are the absolute worst bank.

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 2020-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX took an incredibly long time to send me my final bill, at a new address after I moved. The balance ( {$85.00} ) was sent into collections. Upon finding this out, I immediately contacted XXXX to pay the balance. I was assured that it would be removed from my credit report within 30-45 days, since the balance was paid in full. That was approximately 24 months ago. I have contacted Experian as well as XXXX, who have been extremely unhelpful and told me " you should have paid your bill, this won't fall off until 2024 ''. I have excellent payment history without a single missed or late payment on ALL of my accounts. This derogatory entry on my credit report is keeping my score under 700, and causing me the inability to secure financing much needed for my small business. At a time like this when so many are unemployed and my business needs all the help it can get, I am unable to secure a loan because of this. I would greatly appreciate any help in removing this from my credit report!! Thank you so much!

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