vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX - XX/XX/2018 As part of the military out-processing and contractual agreement all military members XXXX travel cards have to be paid in full to in order to be closed and out-processed. Member was out-processed citibank confirmed it through XXXX XXXX finance and I was able to receive my orders to retire bank card was shredded and it was all taken care of. A year later XXXX pops up on this same account that was suppose to be closed and deleted and now it's in collection as a discrepancy towards my credit report. The member has no access to such account or ever has since the day they out-process members from the military its been a year or more that has passed. Member was fully out-processed and confirmed through citibank that all accounts were in good standings. Policy with XXXX XXXX XXXX  and Citibank is if anything monies are owed these funds would be immediately withdrawn from the members last check from the military before any monies are allocated to the retired member based on strict policy with citibank and DOD finance. This member can not held liable for a mistake or misconception that citibank and XXXX XXXX XXXX  may have made more than a year after the member has fully out-processed and been cleared from both sides that were good. Almost two years later to tell a member they XXXX into collections is alot of money without warning is wrong and is not fair policy because their is no way for them to prove that this was done by the member because they were fully out-processed and confirmed XXXX balance before they left the military base and before they fully retired.

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 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have a collection account on my credit report which originated from XXXX for {$370.00} from Amsher Collection Services in Alabama. In XX/XX/XXXX I looked into switching my cell phone service from XXXX  XXXX to XXXX. Prior to completing the transaction XXXX wanted a {$600.00} deposit for new phones, so I decided NOT to use their service as that was an exhorbanant amount. I did not sign anything, receive service and my phone was never ported over. I ended up switching to XXXX the next day and have been their customer ever since. 

2 months later I received a bill from XXXX claiming I owed them {$600.00}. I called them the same day and was told that this was a mistake and they would cancel the debt. 

Approximatly a month later I received another noticed that I owed {$370.00} for XXXX. Again I called and was assured that it would be taken care of and that it is a cerical mistake. 

On XX/XX/XXXX I noticed a debt collection on my credit report for all 3 credit reporting agencies. I disputed the account and just found out that I was denied by XXXX. I don't know what else to do. 

I have never been a customer of XXXX, never used their service, nor have I ever ported a phone number over to them. I have had my same phone number for over 10 years and am a happy XXXX customer. 

I'm at a loss for what to do to correct this fraudulent charge, short of just paying off the {$370.00}. I am willing to hire a laywer if needed just for the principal of the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Im trying to pay my rent through XXXX and it wont link up my bank account so I can avoid fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE

Complaint narrative:
On XXXX XXXX, 2020 my husband and I flew on XXXX   XXXX Flight XXXX from XXXX XXXX XXXX NY to XXXX Florida. In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to Barclay 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. 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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have a fraud collection debt with a company that claims I owe an amount of {$1600.00}. Its says it's from XXXX XXXX   XXXX which I have never been acquaintance with.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the year of XXXX, I was a Junior in College and fell in hard times, and with school work and being a full-time college student I got behind of bills and paid the months of XX/XX/XXXX and XX/XX/XXXX late which might have been a little over 30 days with Capital One. I had been a good member with them since XXXX and have never been late since then up now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services entered an erroneous collection on my Credit Report on XX/XX/XXXX. I believe this was an old medical bill for my son from XXXX. It was incorrectly submitted to insurance company for procedure not performed. This matter was resolved by the original creditor back in XXXX. 
I contacted Phoenix by mail on XX/XX/XXXX. I emailed Phoenix on XX/XX/XXXX. I filed a claim with the Indiana XXXX on XX/XX/XXXX. Phoenix responded " A verification of debt was requested and will be mailed to consumers verified address once it has been received. '' I have not received any correspondence from Phoenix, written or via email. 
Attempted to file a dispute with XXXX but there is a glitch with their online dispute program and I repeatedly get an error message. 
I would like this collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

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 2020-06-12 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne closed my account due to inactivity. They sent me a notice on XXXX XXXX, 2020 of the closure with no previous warning whatsoever. I called CapitalOne on XXXX XXXX, 2020, within 30 days of the account closure notice and they told me that I can not reopen the card for any reason. Typically, other major credit card companies give you a grace period of 30 days to re-open an account if it is the " credit card company '' that closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one XXXX day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX XXXX letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it XXXX XXXX XXXX XXXX  ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

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 2020-06-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX, I had sent money through by Bank of America XXXX using their quick pay option XXXX XXXX XXXX. The money as supposed to be sent to what I thought was my sister in law, but the phone number that was off and was sent to another person with an entirely different name. In 2 transactions totaling {$3000.00}, when we realized that it was sent to the wrong person, we tried to contact that person through the phone number, but they did not pick up the phone or return or text or returned the money. 

We disputed with Bank of America as soon as we found out the issue, and they started their investigation. Today, we called them back and they said our case was closed because the other party had already spent all the money and no money can be sent back to us. 

We trusted that our Bank which offers XXXX as a safe and quick way to send money would not back up this service with any kind of protection for their banking customers, and when issues like this arises there is nothing else they can do to help. The bank says that they only host XXXX for their customers, but hold no liability, and XXXX says that if you use this through your bank, XXXX does not hold any liability. So now, the consumer is neither protected by any of these entities. 

XXXX, which only goes off the person 's phone number or email and has no name verification or secondary verification can cost us {$3000.00} during this time where money is very tight.

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 2020-06-12 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX XXXX {$220.00} XXXX  XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 2020-06-12 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: NY

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Connot verify bank account with financing company of link bank account to XXXX payroll service via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX  XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Purchased a car XX/XX/XXXX and paid XXXX down today XX/XX/XXXX XXXX weeks from the date I ca n't drive the car and they told me to make a payment with out recourse and I am supposed to have a warranty on the vehicle. I have a recorded conversation with the salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from 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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Activehours
State: NJ

Complaint narrative:
Its not letting me cash out like i normal do in my bank account and my account was overdraft

Company response to consumer: Closed with explanation