vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank reduced the limit on my credit cards, capping them at the current balance, without letting me know in a timely manner. They did this based on erroneous information reported and being corrected by XXXX XXXX. By reducing the limit to the outstanding balance this further aggravated my credit score and history damaging my reputation. I tried having this fixed on the phone and was not assisted. This was done without first speaking or writing to me to inquire on whether this was error. 

Clearly they took this aggressive and action de to my XXXX last name. Very racist and unprofessional of Citibank.

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 2020-02-15 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: ECMC GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ECMC {$8100.00}

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 2020-02-15 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: FL

Complaint narrative:
My payments to carrinton mortgage was on time XX/XX/XXXX and XX/XX/XXXX. XXXX I sent the regular payment on time XX/XX/XXXX for XX/XX/XXXX. The escrow changed in XXXX and they called me. I made the difference over the phone.

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 2020-02-15 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: OH

Complaint narrative:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX   XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: OH

Complaint narrative:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was 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 non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I have currently over $ 10K in my savings account that I can not transfer out to my other bank. They said my there is a security issue and asked me to send me a copy of utility bill to verify current address. I sent it three times but first two time they said they did not receive it, and third time they say they can not verify. The address on proof matches the address on my account profile. I feel I have wasted a lot of time trying to resolve this. Customer service is sarcastic with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T Bank is my mortgage company. Loan # XXXX. My property address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX. I fell behind in payments after my divorce in XX/XX/XXXX. I did a work-out sheet for monthly payments of {$2900.00} for 6 months. My regular monthly payment without the repayment plan is {$1300.00}. I could not make my XXXX payment with only 3 months to go because my fiancs mother took sick and she ( XXXX XXXX..fiance ) had to take care of her mothers medical needs which caused our income to plummet. M & T didnt offer me another work our packet and stated that Im yet having another crisis. Now Im being sued and my home is in the beginning of the foreclosure process. I have a return date for the Superior Court of XX/XX/XXXX. My ex wife did a quit claim deed so she has nothing to do regarding the property. I want to keep my house. Since I work full time M-F from XXXX-XXXXXXXX it would be advisable to call my fianc XXXX XXXX @ XXXX to answer any questions in my behalf. 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 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a home mortgage with Wells Fargo mortgage. On XX/XX/XXXX I was laid off and I contacted Wells Fargo to tell them that I was going to be late with the payment of XX/XX/XXXX. I did not ask for any other help I just said I was going to be late with ONE payment. 

THEY offered me a program where I could go up to 6 months with deferred payments if I was having trouble finding a job On XX/XX/XXXX, I started a new job. During that time I paid one mortgage payment. Wells Fargo then said that they were look at restructuring my loan. They were going to send out paperwork that I had to fill out and send it to them. A week went by and I never got anything so I contacted Wells Fargo. They said that I did not need to fill out any paperwork they were restructuring my loan and I did not have to pay XX/XX/XXXX payment. Note : I did not sign anything I did not ask for that again they set this up without any of my knowledge. I felt they had no other choice at the time so I agreed to that. 

After our agreement was already set in motion, on XX/XX/XXXX, they sent a report into the credit bureaus that I was five months behind on my mortgage. My credit score immediately dropped 85 points. Since then credit card companies have been reducing my credit card maximum to amount owed. This increased my debt to available credit ratio. Today my credit has dropped 150 points.

I have been going back-and-forth with Wells Fargo on removing that credit report of five months because theyre the ones who told me to do it and I agreed to itjI have been going back-and-forth with Wells Fargo and removing that credit report of five late months because theyre the ones who told me to do it and I agreed to it. I did not ask for it

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 2020-02-15 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: CL Holdings LLC
State: AL

Complaint narrative:
Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX  services now for 15 years. I have no purpose for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was 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 2020-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I owed a veterinary balance on my CareCredit account I couldn't pay in full on time. It was sold to XXXX. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!

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 2020-02-15 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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 — Card was charged for something you did not purchase with the card
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
My account was opened on XX/XX/XXXX. I didn't receive my credit card. 2 weeks later I got a bill from them for {$75.00} for the annual fee. I didn't pay it because I didn't have the card. Then 3 weeks later, they sent me another statement wanting the {$75.00} plus the late fee. This kept going on for a couple of months. Then on XX/XX/XXXX I found the credit card on my credit report in the amount of {$350.00}. I never used the card or activated the card because I didn't have it. So why did they continue to charge my card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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:
XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX  XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 explanation
Consumer complaint received 2020-02-15 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-15 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: Block, Inc.
State: FL

Complaint narrative:
My account has been locked for almost a month now for false claim of suspicious activity XX/XX/2020 I was transferring {$230.00} to my childs daycare teacher and the transaction failed I attempted the transaction once again before I received an email and text stating my account has been lock I contacted cash app on several occasions to find a way to have my account unlocked I have been ignored for several weeks I seeking legal action for the false accusations of suspicious activity my child has been kicked from the daycare program because of cash apps negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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:
XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2020-02-15 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:
XXXX/XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2020-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
moneylion is a investment lender.. a small loans is provided and a portion of the installment is invested back to the company and portfolio.. after unexpected hospitalization i tried to settle an cancel thinking the invested portion of the plan would cover the loan.. moneylion denied my attempt an continued to withdraw from my account ultimately causing me to close my bank account due to excessive overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " BILL ME LATER INC/PAYPAL '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " BILL ME LATER INC/PAYPAL ''.

Company response to consumer: Closed with explanation