vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Denying me to allow access to other money saving sources

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: 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 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am trying to get a SBA loan for my XXXX XXXX The contractor told me he could not get a credit report from Experian. And the SBA only uses the report from Experian. So I went online and filled out the information for an annual free credit report with all 3 companies. 
The first one I choose was Experian. After I gave them all my information and they were verifying my information, the page stated OOPS Sorry. And that was it. No other way to contact them. 
I have tried over 30 phone calls using their automated system. And at the end it states they are unable to honor my request and that my information is incorrect. I tried resetting my username and then my password to no avail. 
I do not know what else can be done. 
How do you contact this company? I have tried every way possible to contact them. 
The SBA only allows 2 days until they make a decision. And Experian wants you to mail copies of your life history to a PO Box . How can they set up millions of consumers and not have a valid consumer email address to contact?

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 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
This was place on credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 2020-07-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Expected {$15.00} to be on the card for an item that was returned and refunded in XX/XX/2019. Was told that that amount was refunded to my credit card instead of the gift card. That was not true. The gift card currently has a XXXX  balance and Macy 's won't tell me the truth about where it went.

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 2020-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I logged into my Bank of America accounts and noticed there had been multiple fraudulent electronic transfers out of four of  my accounts totaling more than {$15000.00} to an account I did not know title XXXX. There were several transfers that took place on XX/XX/XXXX and several that showed in process on XX/XX/XXXX. As soon as I discovered this I contacted Bank of America to try and stop the transfers. They would not give me any information regarding the account where the transfers were going. They did put a hold on the account so additional funds could not be transferred. I filed four claims for fraud with Bank of America and was told I would receive a temporary credit for the funds within 10 days and a resolution within 30 days. On XX/XX/XXXX I went in to my local Bank of America Branch and opened 4 new accounts. On XX/XX/XXXX I logged into my account and was asked to verify my contact information. The recovery phone number for my new accounts was a New Jersey number that did not belong to me. I contacted Bank of America to report this. 

After two weeks, I contacted Bank of America after receiving absolutely no communication via USPS, secure e-mail, through the Bank of America website or via phone. I was told my claims had been denied and that in order to have my claims reopened I would need to have my home computer taken in and have it forensically analyzed. I took my computer in and paid {$500.00} to have a company go through the computer and compile a report showing malware and a link to the dark web. I was also advised by the company to file a report with the FBI and IC3 which I did. I submitted the companies report and FBI report to Bank of America via fax. I still received no contact. I went into my local Bank of America branch and had the manager send the information to the fraud department via secure Bank of America e-mail. 

I continued to contact Bank of America every week and half to check the status. Each time I called I spoke with a new representative in the fraud department who stated they would reopen my claims and contact me in 24 hours, this never happened. Nearly two and half months later, I still have not received any contact from Bank of America or a return of my funds. I have called repeatedly and have never been able to be connected to the person reviewing my claims. I am simply promised that someone will reach out to me within 24-48 which has never happened. 

At this point ( XX/XX/XXXX ), I am left with no other option than to retain legal representation to go after Bank of America to recoup the money transferred out of my 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 monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have repeatedly attempted to dispute charges that I did not do and have consistently made monthly payments so that my credit is not destroyed. I have for 2 years dealt with this and my mother has been stressed and was hospitalized after XXXX/XXXX  with her XXXX XXXX while also dealing with this while I've been on school. I have repeat8called to deal with this as I am going to also file a complaint with the Attorney General and FTC.

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 2020-07-17 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:
FTC Violations XXXX XXXX {$380000.00} XXXX  XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2020-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2020-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Have been trying to dispute this account with credit bureaus for over a year. This account was opened over 10 years ago. I stopped paying the account after 1 year because it had issues and they repo it. They are still reporting this on the credit report after asking them to send proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am writing to you today regarding the following business account : Vehicle : XXXX XXXX XXXX, VIN : XXXX. 

The account is handeled by JPMorgan Chase Bank. I am really surprised about how this company has been committing multiple violations to my rights. This dispute is the result of a detailed reaserch that took me a lot of my time. 

Please, I ask you to send to the company involved, the attached documents that proof all the violations committed by Chase. 

Thank you, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
i never recived a letter or a debit card from yall when i first filled for unemployment so now i have noway to claim my weekly benefits .... what do i do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
FTC Violations XXXX XXXX {$380000.00} XXXX XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2020-07-17 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:
FTC Violations XXXX XXXX  {$380000.00} XXXX XXXXXXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$3400.00} and while I have a balance of {$3200.00}. I explained to Citibank representative and supervisor that I used the credit card to take care of myself and my family that were affected by COVID-19. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage 95 % instead of being under 30 % as I planned. This pandemic has brought my financial hardships and stress but I have always paid my account on time. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue? I need to keep my great credit score for future endeavors.

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 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email from XXXX XXXX XXXX stating that my loan for {$1000.00} was approved. I never applied for that specific loan. I logged onto XXXX XXXX and saw a connected checking account number from Bank of America. I do not have an account at Bank of America. I called to cancel at XXXX XXXX XXXX. I also called Bank of America to see if that account number exists. They refused to tell me and kept repeating that they don't have an account under my social security number. The account at Bank of America is fraudulent and whoever owns that account tried to steal money from me. I wanted to add that when I was on the phone with Fraud Department, they hung up on me. I called back, found out that the account does exist, and the fraud department absolutely refused to do anything about the customer that tried to take a loan out in my name and have the lended money deposited in their account. I have filed a police report, reported this to the FDIC, and the FTC. I need someone to do something about this, take it seriously, and investigate the account of the person who tried to steal from me. I have a screen shot from XXXX XXXX XXXX  with the Bank of America account number that does not belong to me. Please help and 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 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement

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 2020-07-17 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:
Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have  been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Called in the month of XXXX. I stated to him that I have paid this already. I asked him to please send me an email so I can send in a copy of the receipt showing the account has been paid in full.

Company response to consumer: Closed with explanation