vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed several complaints against American Express for a business credit card that they tried for years to pass as a personal credit card. I received in the mail today, XX/XX/2021 the attached letter from American Express that appears to confuse the reasons for the original complaint where American Express letter implies that I claim a third party committed fraud against me when i never made such allegations in any of my complaints. 

what I have alleged is that American Express collection employees are the ones who have committed fraud by passing a business credit card account as if it was a personal credit card account because they could not recover the payment against the business after the business closed down. 

it is the dishonesty and unlawful conduct of the American Express employees that need to be addressed and should be questioned and fired for knowingly committing fraud by claiming a business credit card issued under a business name and tax ID number made the leap to somehow be a personal credit card. 

i have attached proof that this account is a business account issued to a corporation using an account statement from American Express that shows the account owner was a business and the card was a business XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. XXXX XXXX Equifax and XXXX. None of which these companies corrected their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Had a check wrote to someone, they waited to cash it. I had checked my bank balance at about XXXX am on XXXX and it showed it was XXXX at XXXX i checked again and it now showed a bunch of nsf charges for a check for a XXXX neg when the check went through! I called and asked if would waive the feed! And why it did not show earlier. Was told did not know and could not waive fees. So for XXXX was charged XXXX nsf fees and {$140.00}! I looked at my account more and noticed this has happend more than i realized!!!

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 2021-05-04 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
This is a follow up to my initial complaint ID XXXX which I logged on XX/XX/2021. I feel that as a result of me having lodged this complaint, the company decided to retaliate by sending me an official declination letter which among many things does not make sense at all. First and foremost, I used to be an Underwriter and XXXX of the very first things I would do when I receive an application would be to evaluate the character, XXXX, credit worthiness of an individual and when I felt that it fell within the parameters of an acceptable risk, then I would move towards analysing other factors like capacity, collateral etc. This company as I mentioned in my initial complaint was my mortgage company and I had decided to refinance with XXXX loans and the refi was set to close end of XXXX. When XXXX requested a payoff statement from XXXX, they ( XXXX XXXX came to me and advised me that they would refinance my loan and offered to beat any rate that I was offered by XXXX. They requested that I send them the mortgage disclosure from XXXX after I had made an application with them. They locked my rates and on XX/XX/XXXX, I received a text message from them saying I was conditionally approved. All the other details have been provided in my complaint XXXX. My concern is that this company is not only practicing deceptive and unfair practices given that had they not interfered with my original decision to refinance with XXXX, I would not be dealing with this. They are also now applying retaliatory tactics by sending me an adverse letter after I filed a complaint against them and in XXXX of my emails to them, I copied CFPB email. If I was such a risk in their books, I am sure they would have been happy to see me go when I refinanced with Quicken, but now they are sending me a declination letter and after all that, I will continue to remain their client albeit against my wish. Not only has this caused me much anguish, it has tainted my credit due to the unnecessary inquiries by them. I strongly feel that this is not an isolated case that only affects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I paid of my loan. I was charges fees and it was paid. There were guidelines set in place for companies not to charge fees during the pandemic. I was charged fee after account was paid. I continuously asked for fees to be removed from my account for months. After numerous complaints and no resolve I settled with the company and paisd the paid the balance of fees I did not owe. I was told the account would be deleted from my credit file. I have provided letter of payment to experian and was told it would not be removed. The company ( Ad Astra recovery service ) told me the information would be removed once account was XXXX balance. Its not fair to me to have not owd the amount of fees and then have it placed on my credit report, after paying the balance it still not being removed from my file as agreed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

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 2021-05-04 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: OH

Complaint narrative:
I contacted Experian on Monday XX/XX/2021 starting at XXXX XXXX  EST regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi 's deceptive business practices when responding to customer inquires to close existing accounts resulted in me paying extra in fees and a negative impact to my credit report. I called on XX/XX/2020 to cancel my Citi Prestige card that had an annual fee of {$490.00} annual fee. The sales representative suggested, rather than cancel my card, I switch over to a no fee card. He explained if I switched over, the {$490.00} annual fee would be removed and there would be no impact to my credit report. I agreed to convert my card. After he told me the process was complete, he reassured me I do not have to worry about the {$490.00} payment and I would receive a new card in the mail shortly. 

I received a call from Citi on XX/XX/XXXX asking for a {$490.00} payment. The rep informed me that if I did not pay, they would furnish negative information to the credit bureau about regarding the aforementioned delinquency. I explained the XX/XX/XXXX call. They told me the they had record of it but I still needed to make the full payment today and they would attempt to reimburse me at a later date. 

The XX/XX/XXXX sales rep deceptively caused me to keep my account with Citi open. I am now without {$490.00} plus a negative report on my credit bureau as a result of citi 's deceptive sales practices.

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 2021-05-04 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-05-04 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: FL

Complaint narrative:
I have applied multiple times for a credit limit increase. Bank of America never answers. 
The limit has created serious problems for me as I have to make multiple payments during a billing period, rejection on purchases etc etc. 
I have excellent credit above XXXX score and I don't like to use more than one credit card for organizational purposes. XXXX  violating the law as usual does not answer the credit increase request and does not follow their own rules. Of course try to talk over the phone is useless and with no resolution either. 
Attached is proof of my latest never answered credit increase request a month ago. 
I believe there should be a criminal investigation against Bank Of America for their fraudulent practices.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal. They also promised that my money was going to be available in 180 days but my account is still limited. They send me an email after the 180 days hold they put in my account stating that my PayPal funds were eligible for withdrawal but that was not the case. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
I created an account with Binance US, the URL for this service is : https : //www.binance.us. I have deposited several XXXX dollars with them over the last few months. This service serves as a so called " Crypto currency exchange ''. After about 2 months of having the service, I logged into see that I could no longer withdraw any funds from my account. The reason given for this was that a XXXX USD transfer had been rejected from my bank. 

I contacted my bank and they stated that nothing was wrong on their end. I read through the support help information from Binance US and followed their direction exactly to fix the issue. I deposited more cash from my bank account in the form of a debit card transaction, and " low and behold '' XXXX dollars exactly was deducted from the XXXX I had deposited, however, my account still remains locked. 

My account has now been locked for nearly 2 months. I have submitted 5 support tickets and received at least 4 ticket numbers each. I have attempted to reach out to the company via the online forums : XXXX, XXXX XXXX, and email. Additionally I have filed a compliant with the XXXX ( XXXX XXXX XXXX ). The XXXX attempted to contact them for nearly 3 weeks to no avail. 

I have read multiple instances of people depositing large sums of money into this service, and then due to some " banking error '' their account becomes locked. This is clearly a scam that has been using " Binance '' which is an actual reputable " crypto exchange '' in the form of " Binance US '' in order to scam people. I dont have as much as some of the other people being scammed, but I do have nearly a XXXX USD in there that I want out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: OH

Complaint narrative:
I contacted Equifax on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX regarding unauthorized inquiries that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
Our home was destroyed by not one but two hurricanes in XXXX of 2020. We have provided all information loancare has asked for from us and our insurance company. We have done all inspections and they do not agree with our inspector and refuse to serve us remaining funds. We have had an open request for 67 days now and still no answer from them.

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 2021-05-04 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Summary : CitibankSummary : Citibank failed to properly address my dispute. My dispute related to an overcharge on the card for goods and services I had received. I wrote a detailed letter highlighting that my issue related to overpayment for goods and services I had received. Citibank failed to properly address my concerns and didnt address the issue of overcharge/overpayment, Citibank responded that the services were rendered. I have also asked for Citibank to provide more information on which they made their judgement and the Merchants response to my detailed letter. After 3 attempted calls, Citi have not provided this information. 

Details : On XX/XX/2021 a charge was posted to my account of {$2800.00}. I opened a dispute on XX/XX/2021. 
On XX/XX/2021 I provided detailed evidence explaining that my dispute related to an overcharge/overpayment that needed to be corrected. 
On XX/XX/2021 Citibank requested further information as documents were lost or damaged. 
On XX/XX/2021 I provided this further information Citibank declined our dispute on XX/XX/2021 Complaint 1 : Citibank failed to resolve the case, appropriately investigate our issue or provide a logical explanation as to why they had declined our dispute. 
As per our detailed letter : This item is an overcharge and needs to be corrected I am requesting a refund for an overpayment of amounts paid over to XXXX XXXX XXXX XXXX for the following reasons Citibanks response was as follows : we are unable to assist you because you received the services for which you contracted This is a violation of consumer rights because it not address the main issue of our dispute being an overcharge/overpayment. It was also illogical as it had not addressed our primary reason I have made over 3 attempts to obtain the documents that merchant has sent to Citi but so far Citi has not provided these documents.

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 2021-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
The company as restricted me from accessing my account

Company response to consumer: Closed with explanation