vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Today alone I spoke with 9 Citibank staff who refused to take Fraud. XXXX hung up on me after 2.5 hours of this. Attached is cost if hotel given to XXXX, branch manager 2 months ago. I have gone on 7 times and saw XXXX, personal banker-this was 1st time notified of this. Attached is cost that XXXX, branch manager was supposed to send to fraud Dept.  But did not. Proof of cost attached.

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are incorrect personal information and names showing in my report.

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 2019-06-19 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: GA

Complaint narrative:
Unauthorized credit inquiries and collections incorrectly reported on credit report. I have requested the incorrect information be deleted. 
XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE XXXXL XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE Apr XXXX, XXXX XXXX  - CARD SERVICE XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized and unverified accounts appear on my credit report

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized and unverified accounts appear on my credit report

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 2019-06-19 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: GA

Complaint narrative:
On the credit reports XXXX is a collection acct that is showing open when I never set up a payment plan nor made a payment to them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CL Holdings LLC
State: MO

Complaint narrative:
I had a XXXX credit card account that was charged off. I settled the account back in XXXX of 2018 with XXXX XXXX, yet XXXX XXXX XXXX XXXX is refusing to report this account on my credit report as paid or settled in full to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought furniture from XXXX XXXX, XXXX XXXX. They also pitched 0 % loan from synchrony bank. I signed up and also set up Autopay on the banks website to pay the minimum payment. 

Today, I noticed interest charges, so I called the bank. They said the 0 % was only for 6 months. 

I feel defrauded because : 1. I don't remember being told of 0 % interest being only for 6 months. Plus,  since I was shopping in a furniture store, I did not expect to be charged 29 % interest for loan on furniture purchase. 
2. I set up the Autopay and it did not pull out enough money. Min pay was not the same as the min pay needed to meet the 0 %. 

They tricked me into taking loan with 0 % ( I did not need the loan ; took it only for the 0 % ), then they tricked me by encouraging me to Autopay ( I stopped paying attention to statements ) and in autopay, they did not deduct the right amount in min pay to meet the 0 % threshold. 

I believe this offer is designed to mislead.

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are incorrect personal information and names showing in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: GA

Complaint narrative:
XXXX XXXX has been paid in full and Equifax has the acct status showing as negative in red, paid charge off and has a recent date so it looks like the debt was recently charged off ... The acct status before I submitted a dispute was previously showing paid charge off ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have multiple accounts with Wells Fargo and have requested all my accounts be reported to me on one complete statement. I have requested for the last 3 months that my current mortgage # XXXX be added to my complete account statement checking # XXXX. WF has responded they can not provided this service - this is not true, my last 4 mortgages were added to my complete statement. WF then responded it was against the law to add my mortgage statement to my complete combined statement, this is XXXX XXXX crazy response from WF. I was then advise it would take several months, this is also a lie, my previous 3 mortgages were combined with all my other accounts on one statement the same month the mortgage was created.

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 2019-06-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On the XXXX of XX/XX/2019, I received an email stating that there were changes made to my credit score. Once I looked online I saw that my credit score had dropped upon investigating I saw that there was a hard inquiry name CBNA, I looked online to see what CBNA was and it said that it stands for Citi Bank Of North America. I have not applied for any credit cards so I don't understand why this happened.

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 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I had over draft protection plan on my business account. The over draft protection plan activated due to low funds in the business checking account. I notified the bank about the over draft protection amount totaling {$700.00} plus. I submitted a request to cancel the plan on the account. The bank informed me I had to pay off the entire amount first along with a signed letter from the bank requesting to cancel the over draft account. I paid the amount in it's entirety and signed the requested form to cancel the over draft protection with the bank manager.However, they never gave me a copy of the signed document.Therefore, I didn't request one thinking it would be documented on the account. I signed the letter in front of the manager believing all problems were resolved. My business account continued without the protection plan approximately four months.  After this time, I went into the branch to requested if there were anything pending on the account. They informed me there was a minimal amount pending from a vendor. I waited a month longer to assure there were no outstanding balances. At this time, there wasn't and I was allowed to withdraw the majority of my funds leaving about {$200.00} for any possible drafts. Next, I took my monies to find another banking institution. One month later the bank contacted me and stated I had another over draft balance after the signing of the document to close the over draft protection. Also, all previous balances were paid in full. Therefore, I went back into the branch to speak with the same manager. She then informs me that after 30 days the over draft protection would automatically reinstate. I inquire, how is that possible when you requested a signed document and balances paid in full? In addition, I never received any letter or call about the reinstatement policy. The manager implied since they put the monies into the account and I spent them. I owed them the  monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Credit acceptance will Not Remove this. 
They are crooks

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX called XXXX to transfer internet connection to my new address. I had unlimited internet access and tv for XXXX a month. XXXX didnt have service in my new address and offered set up internet with one of their vendors but never said the fee was by the minute and not unlimited. It wasnt until it was turned on I received email stating the fee. Immediately tried calling to disconnect and was transferred many depts. no one could help. It took about 3 days on calls holding to have it disconnect. After hit me with this outrageous bill of hundreds dollars for an expensive service I never asked for.

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 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Risecredit, LLC
State: FL

Complaint narrative:
I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. 

I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation.

After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. 

I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: IL

Complaint narrative:
Repeated requests to provide methods of accuracy & verification used by TransUnion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent

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 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have no knowledge of this dept nor have i signed a contract with this company or its affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: IL

Complaint narrative:
Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I enrolled in a debt management program to manage my American Express credit card account. American Express agreed to the terms of the program. I make the agreed upon payment of {$650.00} toward the balance each month, but they continue to flag my account monthly as " Account charged off/Never late. {$30000.00} written off '' ; however the debt is being paid, as per the agreement, and therefore does not qualify as a charge off. This consistently negatively affects my credit score and the flagged information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, I sent {$500.00} to XXXX XXXX XXXX by XXXX at email XXXX XXXX XXXX, for 1/2 of deposit for renting a house in XXXX. On XX/XX/2019, it became apparent she was not the owner of the property and the whole transaction was a scam. On XX/XX/2019, XXXX in the fraud dept. of XXXX XXXX contacted me. Direct Phone # ( XXXX ) XXXX. General fraud phone # ( XXXX ) XXXX. The recipient was having trouble accessing the funds and had contacted XXXX XXXX   for help. She was unable to answer their questions about me and this alerted them to possible fraud. XXXX asked if I had been scammed out of {$500.00} by the above recipient. She had the money in her dept and urged me to contact my bank for help in retrieving it. I contacted my bank, Wells Fargo, on XX/XX/XXXX and advised them of the events. They opened a claim on XX/XX/XXXX. Claim # XXXX.On XX/XX/XXXX I was advised by the fraud dept of Wells Fargo that the transaction was not fraud since I sent the money, and they couldn't help me. They also advised that they had contacted XXXX and t XXXX was refusing to refund the money. I then contacted XXXX XXXX fraud dept. again and was told by them that they could not help me directly because I'm not a customer of theirs. They have marked the recipient 's account as fraud though. And they said they were not giving her the money. No one will help me get my money back that is sitting at 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 2019-06-19 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: IL

Complaint narrative:
Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.

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 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My sister and I opened up an Estate Account at Wells Fargo in XX/XX/2019 after the death of our mother. After weeks have gone by and we have deposited several checks into that account, Wells Fargo contacted me and told me that an error had shown up on the account and I would have to close the account. Turns out the account should have never been opened because there are two executors. Upon opening the account, I provided Letters of Testamentary showing my sister and I as co-executors and the account was opened. 
When I took their advice and closed the account, they issued a check payable to the Estate of my mother. We have been to several banks in the area and they will not open an Estate account with two executors. We decided to take the check back to Wells Fargo and have them cash it and we would open a joint checking account at XXXX XXXX XXXX and deposit the cash. 
I was told at Wells Fargo today that since the estate account no longer exists that they can not and will not honor the check that they issued to me. They told me to get an attorney in order to get our money. The other advice they gave was to go to the Clerk of Court in XXXX, NC and have the paperwork changed in order to get our money, or file an affidavit. They want me to take a day off work , drive 3 hours away and fix their mistake. With that said, Wells Fargo issued us a check that we can not cash and they will not honor. 
Please help us if possible. This seems illegal to me. They made an error and are trying to withhold our funds.

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 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts do not belong to me : XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- # XXXX Every other Bureau removed this account. Equifax refuse to. I sent them an FTC report and a police report filed with my local police department and they still have not complied. These accounts are not mine and have not been verified. This has affected my ability to attain credit. Since Equifax has refused to comply and remove these unverified items listen on my credit I have filed a complaint with the CFPB, and contacted my attorney generals office. All proof is attached below.

Company response to consumer: Closed with non-monetary relief