vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called up to make an important bank transfer. For context I can only contact banking over the telephone. First time I had to hang up because it was just impossible to hear over the phone. Second time I was forced to hang up because he says he kept acting like they couldnt hear me and eventually the phone went silent. And the third time I called up they said they were closed for the day. I can not balance my books without internal transfers. Internal transfer it can only be conducted over the phone. I cant even tell if a paycheck has cleared the bank or not. And I will not download their app just so they can avoid having to pay a paycheck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: KY

Complaint narrative:
I purchased goods from The XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$970.00} on XX/XX/2021. Not all of the goods were delivered. The merchant is nonresponsive, the company is in bad standing with the Kentucky Secretary of State, and XXXX reports that the business is permanently closed. Accordingly, I assume there is no valid and collectible warranty on the portion of the goods I did receive, and I am requesting a chargeback of the entire amount of {$970.00}. Citi has refused to process the chargeback and displays an error when I try to initiate one. Please see attached information.

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 2021-12-31 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: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX  is still reporting this fraudulent information to my XXXX, XXXX, and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2021-12-31 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: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX  is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXXXXXX XXXX is still reporting this fraudulent information to my Experian, XXXX, and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
This agency has put a fraudulent claim on my credit report in XXXX. 
XXXX XXXX on XXXX XXXX in the amount of {$250.00}. 

I informed this company that the debt that they claim is mine is not actually mine. I requested for a debt validation with some form or copy of a contract bearing my signature or ID copy in XXXX of XXXX I have yet to received said document and will never because it does not exist. 

I received a letter stating that this paper serves as a debt validation, however that is not the law. 

It is not my responsibility to prove that a debt is not mine. It is TRANSWORLD SYSTEMS ( XXXX XXXX ) responsibility to validate the debt with a form bearing my signature or ID copy and you Have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off 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 explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Credit limit wont be increased. Credit limit was actually decreased in 2019. Limit went from {$2500.00} to {$300.00} with a random credit pull and lack of utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CA

Complaint narrative:
I have contacted numerous time my credit report agency and every time they would ditch me and give me an XXXX excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: First Technology Federal Credit Union
State: TX

Complaint narrative:
On XX/XX/XXXX I filled an application to extend the limit on my credit card. It has to be noted that this is something employees at FirstTech XXXX campus suggested a few years ago. FirstTech considered me a more desirable customer then but now. On XX/XX/XXXX I received a denial notice from FirstTech without any specifics but " Incomplete Application ''. The application was complete and consisted in the form provided by FirstTech. This is the second time this year FirstTech is denying me a loan without clear explanation ( I applied for Mortgage which I ended up getting from another institution due to the reluctance of FirstTech making it too difficult ). I have been with FirstTech since 2012 and I have outstanding records with them ( as well as all financial institutions I am in business with ). I have maintained very good credit score over the years. Given my outstanding records I can not explain how FirstTech can legitimately and legally deny my application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NV

Complaint narrative:
On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries 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 gotten into the wrong person hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX  is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2021-12-31 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that MUFG UNION BANK is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off 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 2021-12-31 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: NY

Complaint narrative:
Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an item from XXXX XXXXXXXX XXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When pandemic unemployment was authorized via the cares act, I was told I would qualify so I applied, was approved, and so I certified for the weeks, and bank of America mailed the funds via an XXXX card to an address in XXXX, ca. I was homeless in XXXX at the time. 
Someone at the XXXX address opened my mail, put a pin on the card, and proceeded to withdraw and spend the entire XXXX dollars. When I finally received the card, there was only enough money left to buy a burger at XXXX. 
Throughout the past entire year,. I have made numerous calls, filed the required police reports, filed the required claim numerous times, faxed all of the required documents and information to bofa fraud dept., And have gone into bank of America and shown " proof of my identity '' to bank personnel with bank of AmericaXXXX on the phone and speaking to the branch employees. 
I continue to get excuses from bank of America, which is extremely frustrating because the funds on the card are Federally Insured. Bank of America continues to give me additional tasks to do, but fails to give me one cent of the XXXX dollars I am owed. I have attached copies of the most recent Fax to the big a claims dept sent on XXXX and faxed again on XXXX 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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried to close my account online with Paypal. The account would not close. I called the number on the website three times. Each time they told me I would not be able to close the account. I tried to remove my bank account info from the website and was unable to do so. After calling customer service again they said they could not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is an item from Bank of America on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon

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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an item from XXXX XXXX XXXXXXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief