vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Catch Financial Inc
State: CA

Complaint narrative:
I have been banking with CatchXXXX off and on for the last couple of years, I logged in this month, and my balance showed as {$24.00}, and I started depositing into the account. It's an automated savings program meant for XXXX, so they automatically pulled money from my account, and now I'm being told they can't find it. 

Apparently my account was garnished in XXXX of 2019 by the state of California. Catch never notified me of this. In addition, it appears I'm overdrawn in the account, but they can't tell me the fees involved, or why I've overdrawn. I have over 400 dollars that I have no idea where it is. I desperately need this money, XXXX of it is from the Stimulus check

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have kept calling numerous times to replace my credit card because it never arrived since opening an account with you, for mattress firm. I have dealt with nothing but incompetent staff and rude customer service every single f** time and today I finally lost it when your rep yelled, interrupted, and berated me for repeating to her MY ENTIRE ADDRESS once more, stating I saaaaaaaid the unit numberrrrrrr, not the whole address!!! whaaaaaaaaat is your uniiiiiiiiiit numberrrrrrr. Prior to this, she had confirmed it to me incorrectly and didnt even get the correct street number, let alone, the unit number so I KINDLY let her know that I would just be giving her my entire address ONCE MORE and she decides to XXXX   interrupt me and act like shes Gods  greatest gift and is doing ME a favor. I have had it with your customer support. I wish I could fix all these issues myself, online, but unfortunately my card never even arrived for me to even activate or view my online account and billing statements. Because of this, I have been missing paper statements as well and this is all getting reported to the credit bureaus through NO fault of my own. I have called at least four times, since opening this account to update my address since I did move ( & made you all aware ). I even called once last month and the rep stated that she would be moving my billing cycle/deadline to the following month and sending me out a replacement card, to an address that I confirmed THREE times. I asked her if I could make an early payment, in that case ( for the following billing cycle ) just to be on the safe and she took a {$100.00} payment. My card never arrived and I called two weeks ago, again, only to be told that it is still on the way ( rep didnt verify address or provide me with my billing statement information or anything ). To make matters worse, I am now finding out that this bill was due about a week ago, which I thought was what the {$100.00} were for. I now have no way to pay this besides dealing with these rude ppl and I now have late payments reflecting on my credit report. To make matters worse, my personal information is out there being compromised to random people. During this last call the rep literally said ohh that not what we have at all. 

This isnt charity work. I am giving you my hard earned money in interest and entrusting you, as a financial institution, with my personal information, only for it to be dealt with by XXXX. Please fix this. Please fix your staff.

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 2020-05-19 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-05-19 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There seem to be unverified or inaccurate accounts on my credit file.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: HI

Complaint narrative:
NETSPEND sent me an unsolicited debit card in the mail which I received on XX/XX/2020 with my correct name and address on it. I tried to call without activating the account but the options weren't available on the phone numbers provided. There was no customer service number on the card. I tried the fraud number but it only gave options which included the card number or personal ID information. Anyone could have taken this card from the box and used it in my name. If there is no law for disallowing this behavior there should be. There should also be a customer service number on the card for anyone to use whether their service is agreed upon or not. I understand that if stolen, my identity could be vulnerable. Also, I am not sure how they know my last four letters of my social security number which they wanted me to use to verify my identity to obtain assistance on the phone. I proceeded to investigate on line actions I could take to prevent an unsolicited card strapping me with this additional protective action on my part to protect my finances and identity. I froze my credit and I am making this complaint. This has been about a day 's worth of effort on my part for receiving an unsolicited debit card in the mail.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello to whom it may concern Im a customer of citi card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX  university XXXX Florida . Im a working class so I believe Im being discriminated against, then citi card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had my Citi XXXX  XXXX Card for 3-4 years if not longer. At the beginning of the pandemic, I called Citi to see what programs they were offering to Americans in lieu of the pandemic. Around XXXX XXXX, Citi informed me there were no programs yet that had been put into place. They told me to call back daily since everything was continuously changing. Fair enough, so I did. I called back whenever my work and XXXX XXXX schedule allowed. Each phone call required at least me being on the phone for up to an hour. Finally, on my 3rd phone call near the end of XXXX, Citi told me they would allow delayed payments up to 30 days and would waive all late fees and penalties incurred. Citi proceeded to tell me that for better offers and more relief to call a 1-800 number which they provided. I called this number and had to wait over 2 hours only to be told that there was nothing Citi could do and they did not understand why their representatives were giving out this number. This was very discouraging. I took advantage, or thought I was, of Citis delayed 30-day payment offer. Once the 30 days was approaching, I decided to check my account via my phone app to find out that Citi had ONLY waived the late fee I would incur had my payment been considered late. They even showed a late charge being applied to my account and then Citi refunding the late charge, BUT my account continued to incur interest charges. This made absolutely no sense to me. How do you delay my payments but continue to charge interest? I had a stellar account history with Citi, so this struck me as odd and unhelpful whatsoever. Immediately, I called Citi inquiring about the delayed payment program they had offered. I asked how this program was even slightly beneficial if interest continued to accrue under their offer? Citi informed me that they had waived my late fees. Yes, late fees I would NEVER incur had I not taken advantage of their so-called offer. So, again, what benefit was there for me the consumer? NONE. Considering I have a low balance, Ive decided to pay the full balance in two payments, but what relief are these super rich companies providing the American public? And what government bailouts are they reaping? Yet they refuse to help their customers! I am very frustrated with the limited so-called help Citi is currently providing.

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 2020-05-19 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : 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