vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX  XXXX {$660.00} XXXX  XXXX {$3500.00}

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 2020-08-10 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX XXXX {$660.00} XXXX  XXXX {$3500.00}

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 2020-08-10 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: CA

Complaint narrative:
On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CARD Corporation
State: CO

Complaint narrative:
hello I have an account with card.com which my brother had his unemployment directly deposited into my account. for the past three weeks there has been a hold on my card as they refuse to release his money requesting I send them documents such as proof of identity, proof of XXXX employment such as tax forms and a notorized letter of authorization to release the funds to my account. I have sent then all there requested documents over and over again. Everytime I call them they lie and say there is know upper management department they can transfer me to. Only one time I called they transfered me to a XXXX  XXXX  from the upper department which was a lie as she was the same exact person I have spkke to everything I have called in. this lady lies and tries to change her voice the reason I know it the same person because she can't speak very good English to begin with and can not pronounce notarized for three weeks i kept sending in what I thought she was requesting as I thought she was saying letter of authorization but she was trying to say she needed a notorized letter from my brother giving his permission to release the funds to my account which after three weeks we finally made that clear. These people are awful i have requested they send his money back to unemployment so they can deal with it and they refuse they say unemployment needs to send them a request to send them the money back. my brother has an appointment with unemployment in XX/XX/XXXX another 2 weeks out and does not have any other options of reaching unemployment any earlier than that date. At this point card.com has put a hold on his money which has been almost 1 month now and are not by any means working with us to get this problem resolved. They continue to seek my brothers personal information which I have sent them everytjing he has had regarding his XXXX  employment and proof of his identity. My brother due to this has become XXXX  and is a XXXX  to himself and others. He is accusing me of steeling his money thinking that they released it and I just have not gave it to him. The first time I spoke to card.com they stated unemployment requests the recieve further documentation regarding proof of his identity and self employment. I requested they sent me proof of that request which they stated they could not do. Thats because such proof does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TX

Complaint narrative:
On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TX

Complaint narrative:
On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.

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 2020-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
On Friday XX/XX/2020 I was contacted numerous times by XXXX " XXXX XXXX '' he said he is a locator trying to issue me paperwork for case # XXXX XXXX and that I needed to contact XXXX. After he gave me the message he was intending to give he proceeded to contact my daughter and threatened to come to her address- he stated her address- he then contacted my EX- Husband and gave him the same information he already gave me ... I have been divorced 6 years, his name is on NOTHING!! When calling the XXXX # - XXXX XXXX, XXXX said I owed ACE Cash Express {$340.00} plus {$200.00} extra for a locator fee. 
I have requested numerous times that they stop calling on all numbers they have, including my work number!! I have received several messages with threats to show up at my place of employment as well as my house and daughter 's house. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC will not allow me to link my bank account to XXXX. 
Its sad, I file with my accountant every year, every dollar I spend through crypto. It is all tracked and easy to link. 
Let us have our cake please. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: WV

Complaint narrative:
In XXXX, I recieved a gift card of {$500.00}, drawn on US Bank, as a first place prize that my daughter won in an art contest. When we decided to use the card, we were told that the card already had two large purchases on it totaling {$440.00}. We had never used the card and it was still in the packaging it came in. When I contacted US Bank, I was told that they would investigte the charges. Ultimately, they could not confirm where or who made the purchases, so they sent us another seperate gift card for the remaining balance of {$56.00} which we used. On XX/XX/XXXX I recieved a letter from US Bank advising me of an " unredeemed gift card '' and if wanted to claim these unredeemed funds, that I needed to respond by XX/XX/XXXX which I did. I still have not recieved the check from US Bank, for have I gotten any further communication from them. When ever I call the bank, there is no one to help and they are not even able to access any information about the card for me, this inspite of the fact that they sent me a letter indicating that I had an un redeemed balance of {$440.00}. The CSR 's at US Bank, ask me what kind of card it is which is VISA and they then proceed to transfer me to them, but they are not able to help either. US Bank has a gift card customer service department, but whenever I'm transferred to it or attempt to call them directly, the call gets dropped. I have been trying to resolve this issue since XXXX, but gave-up on it when I realized that US Bank had no real incentive to help me. However, when I received the letter on XX/XX/XXXX, I thought that perhaps they realized that the card had never been used and still has balance on it. Again, I never used the card and had no idea of how or when the card was used. I would greatly appreciate any assistance that you can provide to me in resolving this matter. 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 non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover has unexpectedly required a form 4506-T under threat of account closure. This is not an industry standard - I've had credit cards for more than 20 years - and I refused to disclose such sensitive information. 

I believe this is intimidation driven by an under-pressure underwriting department who is extending their reach beyond reasonable industry norms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Team, I originally obtained a 4 year lease with GM Financial in XX/XX/XXXX for a XXXX Escalade for payment of approx. {$1600.00} a month. ( This in itself was deemed extortionate and further more I was sold a 3 year maintenance contract which is an additional issue just brought to my attention ). In XXXX I began a search for an alternative vehicle at a more competitive price and eventually found one which i purchased and now meant I would need a lease assumption with GM. I advertised on XXXX and obtained the criteria from GM to move forward in XX/XX/XXXX. I found a qualified buyer in XXXX and followed to procedures during which time GM kept defaulting my account into a past due status which meant i was unable to move forward and I lost the qualified buyer. The same happened in XXXX when i again provided a qualified buyer signed all the paperwork and GM alleged XXXX lost the documents and so therefore the transaction was unable to be completed. Fast forward i am now within the last 12 months of the lease and no longer able to meet the criteria and am stuck with the lease payment through the fault of GM. GM deliberately stalled the process and despite speaking to all 3 departments they continued to give me the run around and also contacted XXXXXXXX to have my advert removed. Its clear GM did not act in an honest and timely manner in addition to at one point harassing me in an attempt to reposes the vehicle despite it being always in state of good payment, in my possession and insured. The Customer Service Department, Lease Assumption Department, Total Loss Department and the Collections Department all have documented detailed call records to support my  conversations but yet they all seemed not to be in contact with one another which to me seems like negligence on GM 's part or a blatant attempt to confuse and deceive me as a customer into remaining stuck with the Lease agreement. I would like this investigated please and for GM to be responsible for taking back the vehicle with no negative report on my credit as it was their errors that led to my lease assumption not going through. I even purchased another identical vehicle and everything was timed perfectly for the transfer until GM caused the process to breakdown and I am now stuck with 2 car payments till XX/XX/XXXX. I constantly had to chase them to try to complete however they are quick to harass me despite asking to be removed from their call lists when i changed payment dates. 
Thanks for your consideration Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
i filed disputed on XXXX XXXX and still have yet received anything documents back

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 2020-08-10 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: CA

Complaint narrative:
i filed disputed on XXXX XXXX and still have yet received anything documents back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I opened a Huntington Bank checking account ending in " XXXX ''. As part of the initial funding, a transfer of {$1000.00} was initiated through Huntington ACH from my XXXX XXXX account. A Payment ID/Confirmation of the transaction provided by Huntington is  shown in the attached file. The funds were debited by Huntington from my XXXX account on XX/XX/XXXX. 

On XX/XX/XXXX, my Huntington account was shut down due to some risk factor. Unfortunately, the {$1000.00} hasn't returned to me. 
I have called Huntington Bank on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and was given contradictory information each time, as listed below. 
1 ) We don't know where the {$1000.00} went. 
2 ) The transfer was NOT completed due to the account shut down.

3 ) Refund would take 3-5 days. 
4 ) We already sent back the funds to XXXX. The issue must be on their end. 

The issue is clearly not on the XXXX end. I'd be more than happy to do a 3-way conference call to clear this misconception. 
I'd appreciate someone competent enough at Huntington Bank to look into this issue and provide a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX  XXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received funds to PayPal account from a family member via credit card. 

PayPal is mandating a " 30 day hold '' on the funds. I contacted PayPal via telephone and asked them to either release the funds into my PayPal account, or release them as a refund to the issuing card, they refused both options and stated there was " nothing they could do '' to release the funds prior to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I was XXXX at the time the loan was originated. I had sent documentation from the Pennsylvania Department of XXXX confirming my dates of XXXX. They have been very unwilling to help or participate in solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I went to Western Union in XXXX Arizona to wire my earnest money to a title company to open escrow on a home purchase on XX/XX/2020. Western Union instead sent it via ACH transfer which the title company doesn't accept and the title company XXXX XXXX  account rejected the transaction. I contacted Western Union to cancel the transfer the same day it was initiated since is did not show up in the title company account after XXXX hours. I have contacted Western Union multiple times every day to ask them to refund my money. At first they said it was in the XXXX XXXX account. I called XXXX XXXX and the confirmed they never received the money. After a couple of days of calling Western Union admitted that XXXX XXXX rejected the transaction and to this day I only get excuses about there process preventing me from receiving my money back. It has now been 12 days since Western Union received my money, failed to transfer it and will not return it to me. Now that are claiming that the issue is with their accounting department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
Bloomingdale 's claimed in a prior CFPB complaint XXXX that the billing matter has been resolved and taken care of. Of course, this is further from the truth, the letter was dated XX/XX/2020, ten days later, I never received a supposed letter they referenced, nor has the amount been placed on the promotional plan as mentioned in the response letter. Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.

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