vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: WI

Complaint narrative:
Contacted credit card issuer about fraudulent XXXX XXXX  charges five time with no resolution, company now charging late fees and interest on disputed charges. At least three fraudulent charges were made AFTER fraud reported and the card was cancelled, yet CitiBank refuses to reverse them. On at least four contacts Citi representative indicated the charges would be reversed, have two chat logs saved where they indicated they would resolve the fraudulent charges.

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 2020-08-25 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-25 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have an account with Barclays Bank. 

I was on a balance transfer promotion with 0 % APR. Under the promotion, Barclays would quote the amount that needed to be paid each period to avoid paying interest. For every monthly statement period while under this promotion, I paid at least the amount quoted that would prevent me being charged interest. On my statement ending in XXXX, I was instructed to pay the amount of {$3700.00} to avoid paying interest. This amounted to the full statement balance. I did so by the due date. 

Despite this, I was assessed interest on the arbitrary amount of {$2700.00} at my purchase rate. I reached out by secure message online to Barclays to have this explained. They claimed that residual interest is assessed when attempting to pay off a balance transfer in full. This would appear to contradict what is written on their statement as the amount required to be paid each month to avoid interest. 

Further follow up messages from me to Barclays were ignored and not responded to. As such, I am reaching out to the CFPB for assistance as I believe that either a mistake was made by Barclays that should be rectified, or that deceptive conduct has been engaged  in.

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 2020-08-25 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: MO

Complaint narrative:
My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}

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 2020-08-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-25 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: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
I have a loan with CRESCOCAP, XXXXXXXX XXXX, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX CRESCOCAP, XXXX XXXX and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a loan with GATEWAY 1. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GATEWAY 1 with no successful resolution. XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX was my previous cable provider : account number XXXX. The account was paid in full before transferring to XXXX. I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get my last bill. I just received a XXXX bill of {$170.00} for XX/XX/2017 that I do not owe. There is an amount of {$250.00} on my Equifax credit report that I do not owe negating my credit report. I would like this information to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: MO

Complaint narrative:
My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the Equifax breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX {$83.00} 8 ) XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: MO

Complaint narrative:
My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}

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 2020-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Company attempted to contact me multiple times while I was unable to answer while being at my workplace they resorted to calling distant family members that have no association with 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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX Account type : Collection Department/Agency/Attorney Date opened : XX/XX/XXXX Payment status : Seriously past due date/assigned to attorney, collection agency, or credit grantor & apps ; internal collection department Status updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX Original balance : {$400.00} Terms:1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted a discharge application for forgery/identity theft on XX/XX/2020. Despite being told it would take up to 10 business days to process my application and receive a final determination, it has been almost 5 months and have yet to receive a final determination. I have yet to even be advised as to what the unnecessary hold up is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
30 days no reply and I would like to get this account off my credit profile. 
1. debt has been sold and charged off to another agency 2.Date of Last payment dont match under all 3 bureaus 3.Credit limit and high credit is not the same for all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a loan with NAVY FCU, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FCU, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Agency of Credit Control
State: TX

Complaint narrative:
I have a loan with XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Pretty simple. I didn't receive the {$300.00} bonus I am owed for opening this checking account and meeting the terms. From what I'm seeing online, this is a fairly widespread way of doing business for this bank. There are a number of people waiting for bonuses they were owed. I am one of those people. The {$300.00} was supposed to arrive within 120 days and it has been longer than that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Please review attached documentation. 

First notice of dispute with debt validation request sent on XX/XX/2020 - no validation response from M & T Bank Second notice of dispute sent on XX/XX/2020 - no response from M & T Bank 2nd Debt Validation Letter sent on XX/XX/2020 - awaiting response from M & T 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 2020-08-25 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation