vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a call to American Express trying to get an increase of the Cash advance amount I have available. My credit limit was {$6700.00} and only {$200.00} dollars available for cash. I spoke with a representative on the phone and he said the only way to be able to request an increase on cash advance limit, I would have to request an increase also on my credit limit so he suggested I do at least a {$100.00} dollar request on my credit limit which I agreed. He also asked if I was planning on get cash from my card and I said Yes. The response I got was that both my requests were denied and that I would be receiving a letter on the mail. A few days later I call again to get my card PIN number because I needed it to make a cash withdrawal and the agent on the phone said if I was aware my credit limit was dropped to {$1000.00} dollars. So I told him that's not possible that I had just checked the app a few days earlier and my credit limit was {$6700.00} and I had a {$0.00} balance. And he said they had done this review back on XXXX and I said that was not true because I had just called and they reviewed my account only because I called to get some help over the phone trying to get a cash advance increase, I told him I felt discriminated that they had done that just because I called. If I hadn't called my credit limit and account would be the same. What can I do in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
On XXXX XX/XX/2020 a company called fix my credit applied to equifax to remove a default on my credit report lodged by XXXX. On XXXX XX/XX/2020, Equifax emailed me to state they needed a 21 day extension. This expires on Saturday XXXX XX/XX/2020. I lodged a complaint after the first 30 days with XXXX who sent both myself and Equifax an email advising them they needed to get in contact and that a complaint had been lodged. I myself also sent two emails to the Equifax assessments team that look after investigations into errors/defaults. They did not respond. I have spoken to their customer service staff many times and keep being told XXXX are not getting back to their assessments team. They cant transfer me to their assessments team as they tell me this team do not take calls. They will not give me a date this should be resolved by. They have told me they will send an email to the assessments team each time i call but it has changed nothing. I have told them their not lifting the error is going to cause me financial hardship as i cant obtain a new job without them fixing the error default. They aren't concerned. I was given a number for their complaints team but each time you call, you wait on the line, then it comes up they are all busy and to leave a message. I have but no response. I have tried calling the creditor, XXXX, but was told that the team i need to speak to are back office and they dont take calls either? 
I give up. I really will be financially disadvantaged if they dont fix this timely. Its already been 42 days. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I had contacted great lakes about my student loan. I told them I couldn't afford payments i couldn't find a job. So they put me in forberance but didnt quit explaining. It to me this was the end of XXXX. Well when I got on the pay as you go plan I got charged the interest than for some reason there was. Months were they put me in forberance tha. The same month on a payment plan and that went back and fourth like that for quite a few months. I turned in my paperwork at the end of XXXX but they didn't approve it till XXXX so I got charged interest. As well as XXXX XXXX to them about the borrowers defense they shut me down didnt even try to help. They know I work for a non profit organization and am gon na try for the pslf but they have never said that they don't dont do the qualifying for that as well as I've talked several times with the csr and wanted to make sure I was on the right payment plan to count for the pslf loan they would tell me one thing but than it would change I still dont know exactly if the pmt plan im on is correct i got nothing but resistance when trying the borrowers defense loan. The company is not very good and i dont feel that any advice they give is in to help me out. Just their pockets I learned that early on dealing with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I've reached out to Transworld multiple times requesting validation of this debt and never received nothing but a settlement agreement in the mail.

Transworld continues to add interests on an account that do not belong to them which causes my credit score to decrease and report inaccurate information.

The representative were rude when I asked to speak with a supervisor and hanging up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Hello, I used Chrysler Capital to finance my XXXX. Well long story short, I went with a local bank for better service. I had the local bank pay off my loan and Chrysler Capital applied the amount a on my due date for my payment but did not show the transaction on my online history. So, I paid the monthly payment amount of XXXX on XX/XX/2020 at XXXX XXXX. I have a confirmation number of XXXX. I talked to a rep from this bank on XX/XX/2020 Chrysler Capitol will not return my payment on the paid in full closed account unless I fax them my Bank statement with the transaction at XXXX. 
I do not feel Chrysler Capital needs to see what is in my bank account or any other transactions on my statement. I feel this bank is trying to fraud me out of money I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NV

Complaint narrative:
There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NV

Complaint narrative:
There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) 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 non-monetary relief
Consumer complaint received 2020-10-27 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: NV

Complaint narrative:
There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  4 ) 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I saw a charge on my i did not authorize at a hotel i contacted Citibank to let them know that it was unauthorized. They opened up a dispute not even 2 weeks later they wrote me a letter stating they cant help me and i will be responsible, why should i be responsible for a charge i feel they did not do a proper investigation because i DID NOT stay at any hotel they should reach out check cameras etc not just say your going to charge me without properly investigating. the amount of the charge is {$300.00} the date of the charge is XX/XX/XXXX i want a thorough investigating to visit a hotel you need ID i want to see what ID was used for this because it was not mine i am very upset Citibank does not investigate thoroughly when it comes to consumers money also i want to know what happened why is Citibank charging me for something i did not authorize or purchase also they didnt contact me or ask me for any proof they just went a letter stating that i can not prove that my debit card was not used when they didnt ask me for anything or investigate properly. I was not at a hotel and did not charge a hotel on my 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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened several accounts in Bank of Ao and put my money in some exempt accounts The bank garnished my accounts and when the garnishment was released the bank is refusing to refund my money into the accounts

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 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am a small business owner who often would receive payments through cash app. On XX/XX/XXXX after rendering services to a client, I gave her my cash app details for payment, she tells me the cash tag i had given her was invalid. I was in awe and told her that wasn't accurate. I quickly went on my cash app to log in but was asked for all my personal information which I put in and the system created me a new account. My account balance of {$500.00} was swooped and I have nothing. I reached out yo support and they are telling me that I can not gain access to my old account due to security reasons. I emailed back asking for my money that I had in my account, I truly don't care too much for the old account, I just want my {$500.00} but no one i spoke to was able to tell me what is going on. That is the last money I've got in the entire world and cash app has stolen it and can not even tell me why. I would keep talking about this till the right person hears it. How can I survive this? I feel like I am living my worst nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: GA

Complaint narrative:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX  {$730.00} 9 ) XXXX XXXX  {$160.00} 10 ) XXXX XXXX XXXX$110.00} 11 ) XXXX XXXX  {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: GA

Complaint narrative:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX  {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX  {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX  {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: GA

Complaint narrative:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXXl {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My income was reduced from the economic shutdown caused by the Covid19 pandemic.

I was late on my Synchrony Care Credit card in XX/XX/2020. 
I asked for Synchrony to remove that late payment because it was caused by the Covid19 economic shutdown and was out of my control, but they refused.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Investigator -- My home loan servicing company was changed from XXXX XXXX  to Select Portfolio Servicing , Inc. approximately 6-months ago. In setting up my new servicing account, XXXX XXXX  transferred a change for " XXXX XXXX '' in the amount of {$280.00}. I notified Select Portfolio Services ( SPS ) of this error immediately, and explained that for several years I had attempted to get XXXX to correct the error. XXXX had agreed to correct it many times, but never followed through. My attempts with XXXX, as with SPS were made all the more difficult because I was never allowed to speak to the same person twice. Every time I called, I had to start from the beginning. I did this for years -- approximately 6 or 7 years, to be exact! Now I find that SPS is no different. In the past 6-months I have made over a dozen attempts to get them to fix this error. I can never get the same person. There is supposed to be an account Rep Assigned to me XXXX XXXX XXXX XXXX, who has never returned an email or called me back. Even though a customer supervisor supervisor ( XXXX XXXX acknowledged today that I had made full payments, they refuse to remove the " Over-Charges '' that XXXX had added. 

Why should it take a consumer 6 or 7 or 8 years to get an accounting error corrected???? 

At this point, I'm ready to stop making payments to this company, all together who blatantly wants to steal from me, and presumably all their other customers. 

Please sanction Select Portfolio Servicing , Inc. to the greatest extent within your power. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a 609 dispute and also sent a 30 demand to comply and still havent received anything.

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 2020-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
My car was purchased XX/XX/XXXX and up to date on all payments when it was illegally towed XX/XX/XXXX and was under a hold by another party and could only be released to j.d. byrider I contacted cnac the company I was forwarded to by byrider and they told me a letter would be coming from byrider and cnac about how to go about the process or the car would be sold Ive never received a thing and this was XX/XX/XXXX. The car has been sold but its still affects my credit for the full car price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company violated their Covid-19 agreement to reset the XXXX and XX/XX/2020 to {$0.00} balance due. Every effort was made to resolve amicably prior to this point I was repeatedly past around from department to department msot of which more rude and unprofessional than the last They then tried to tell me I filed bankruptcy and when I said I would know that never happened I just want service with my account I was repeatedly hung up on. 

They repeatedly violated other customers personal information by sharing sensitive and personal information directly from their executive office to me when attempting to communicate using a shared XXXX. Then they also stated that never happened and proceeded to do it again so I kept all 3 emails. 

I was a customer for 8 years never late there are massive amounts of communications call logs and disputes since and the account was paid off so this was clearly an issue that was absolutely not my doing nor my fault it this is an absolute error not only credit wise but service wise. This needs to be immediately fixed on credit bureaus as not late or no data I have spent so much time energy and effort thus far it is disappointing

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