vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a letter XX/XX/21 from Wells Fargo Bank, N.A. stating I opened a new credit account with them and a new credit card will be mailed to me. 

I never applied for a Wells Fargo Bank credit card. 

I have not received a Wells Fargo Bank credit card. 

I do not want a Wells Fargo Bank credit card. 

I attest this statement is true to the best of my ability. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX IL 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
Consumer complaint received 2021-11-27 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX  unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
This company keeps stating that I walked into this gym and signed documents agreeing to pay for this membership that I dont recall ever doing and Im asking proof of me walking into this gym and signing these documents! This is fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
YOU HAVE XXXX days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX showing late payments when the account is deferred - due to the Coronavirus 19 Pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX 2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CA

Complaint narrative:
On XX/XX/XXXX, my wife went online and used my credit card to enroll our kids in a swimming school called XXXX in XXXX XXXX, CA. She paid {$230.00}. The next day, on XX/XX/XXXX, she decided to enroll them in a different swimming facility so she used the XXXX chat system to unenroll them and get a refund. She was told via chat that they would unenroll our kids, but that the charges might have gone through and they would contact the elk grove location about getting a refund. The school and the franchise both have the same policy about getting a full refund if we canceled within XXXX hours. XXXX called my wife and she was told that the owner would not give us a refund and that she would only be given credit because our kids took up a spot that could have been reserved for someone else. However, they had immediately withdrawn our kids from the classes and those spots were filled. They admitted that was a mistake on their part, but they would still not give us our money. She tried working with them for about a week, but they would not return the money. There are no chat transcripts and she did not record the calls. She decided to call citi, with my permission, to dispute the charge. She called multiple times and provided screenshots of the policy. They did reverse the charge at XXXX point but then decided to charge my wife again and agreed with the merchant. She was really confused on why they had agreed with them ; the citi representative had even told my wife that the merchant had told citi that she had canceled the next day and that would be more proof that she followed the policy. Another representative said that my wife should have written an email saying that we didn't want the credit even though it wasn't made clear at all that she had to do that. Why would we dispute it if we wanted the credit? They eventually kept " opening '' and refusing the refund until they said it was " too late '' to do anything even though my wife contacted them a week after it had occurred. The representatives even said themselves that my wife should get the refund. My wife and I have no problem/give permission to let citi release the recordings of all our phonecalls. My wife has not stepped foot in the safesplash facility ( she hasn't even seen it in person ) so this place has taken off with our money. There are several complaints on this company about their billing practices and that they charge people without letting them know and refusing refunds. We just want them to follow their policy. If their policy had stated from the beginning that there was no refund, we would have had no problem.

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 2021-11-27 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX  Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: AL

Complaint narrative:
There is a delinquent account on my credit bureau 's that is not mine. XXXX XXXX I have never applied for. I have called, reported them to XXXX XXXX XXXX XXXX  but they still have not removed this ding on my credit. I would never associate myself to these kind of businesses and ask that you would be so kind to request they remove this account asap.They can not show me proof that I signed anything or show my ID to prove it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. 

I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. 

Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. 
I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! 

I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Albert Corporation
State: NY

Complaint narrative:
I tried to use my " Albert '' prepaid debit card on Thursday XX/XX/XXXX at the gas station. The transaction kept failing. I checked the account funds were/are available however it shows " your card is currently unavailable ''. It usually shows the virtual card however now it doesn't show any information other than my name. 
I have sent text messages, emails, called XXXX XXXX called customer service. You can't speak to anyone about your account, refers you to the app to send email or text. 
My direct deposit goes into this account, I can't buy food, get my medication or pay my rent. No one has responded to me. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I was supposed to receive a refund in the amount of {$570.00} on my gift card and they blocked my card. I am supposed to send proof of purchase so they can unblock the card. I made many tries to contact amd they are rude, some do not help. They said they would send me a email so i can submit the purchase so they can release the money. They never sent me anything. I spoke with the cardholder bank, XXXX XXXX XXXX XXXX and they do not bother to help fast. My card is about to expire and they are not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: OH

Complaint narrative:
The following XXXX XXXX XXXX XXXX account has no data for XXXX or XXXX, due to inaccruate reporting. I have tried ovr and over to fix the same issue with Experian. Reporting needs to be accurate across all bureaus, especially if companies are reporting the SAME information. 

XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX  Code : Individual Account Status : Open Monthly Payment : {$470.00} Date Opened :XX/XX/XXXX Balance : {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$28000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXComments : **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Date Last Active :XX/XX/XXXX Date of Last Payment :XX/XX/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 2021-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi bank sent me a cash bonus offer for opening a Citi checkings/savings account and failed to reward me the bonus even after I completed all the activities. According to the offer terms, I will earn a total {$500.00} account opening bonus for completing the following activities. 

- {$400.00} bonus for depositing {$15000.00} or more in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within XXXX ( XXXX ) days from account opening and maintain a minimum balance of {$15000.00} in the eligible account ( s ) for XXXX ( XXXX ) consecutive calendar days following the date when you made the {$15000.00} deposit ( " Minimum Balance '' ). 

- additional {$100.00} bonus ( total {$500.00} ) for when I complete the required activities above AND, within XXXX days of account opening, you also complete XXXX Qualifying Direct Deposit into the Eligible Checking Account each month for XXXX consecutive months. 

Based on above offer terms, I opened a Citi account back in XX/XX/2020 and completed all the required activities for receiving bonus within the time frame. But, citi didn't deposit the bonus. I contacted Citi customer care and also sent out the W9 as requested. Even after multiple follow-ups, Citi failed to deposit the bonus offer of {$500.00}. Even Citi representative stated that this matter was escalated within their system but I didn't hear back from Citi for months. I have already spent hours with Citi 's customer care on this matter without a resolution. Citi didn't provide any details on why the offer is not yet deposited in my account even after more than 1 and half years. 

This is a deceiving practice from Citi to make customers to open an account.

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