vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/BBB. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX ACCT : XXXX XXXX : {$130.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. This is again a demand to remove and block such information from the report in question. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XX/XX/2020 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 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-25 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal is wrongfully holding my refund from a seller. 

Paypal id is XXXX It is nothing suspicious about this.. it is a simple refund from a seller and Paypal is wrongfully holding my balance to transfer to my checking account. 

{$140.00} USD is in hold right now and {$140.00} is not sending out to my customer.. 
Please see the screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In early XXXX 2019 I received a recorded message and e-mails that someone had used my credit card number on or about XX/XX/2019. charge about {$600.00} on my CitiBank express card. I never used that card and don't know how they got the number. Whoever did this charged things at XXXX XXXX XXXX and places in XXXX XXXX, Puerto Rico. CitiCards sent me a statement with all the places where the card was used, and I cancelled it and foolishly got a new card. They removed all but one charge, the most expensive, XXXX  XXXX XXXX XXXX, XXXX XXXX. CitiBank sent me a form to fill out and return stating that I never authorized this transaction, which I signed, kept a copy of, and sent the original to them. The {$180.00} was on my next statement. I was told it was under investigation by their fraud dept. I paid the {$410.00} that I actually owed them but not the fraudulent charge. Every month I got a bill with that amount on it ; called and was told it was still under investigation. I called and spoke to dozens of people who said they would take care of it and remove it but no one did. I cancelled the card but am still getting phone messages and e-mails from CitiBank that I owe them that money. They have added late charges to my closed account and say this is still being investigated by their fraud dept. No one can seem to get through to their fraud dept. I ignore their calls and bills. This has been going on for almost 10 months. Sounds like an inside job to me. I plan to contact the Federal Trade Commission about this. They are definitely not getting paid by me for money some crooks spent. Don't ever get involved with CitiBank. 

XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been a long-time Customer of Bank of America ( i.e. greater than 20 years ) and have several checking and savings accounts with them. My credit rating is north of " 800 ''. On Friday, XX/XX/XXXX, I deposited a {$17000.00} check into my personal checking account via Bank of Americia 's Mobile Banking App on my SmartPhone. The check was from my Investment Account with XXXX XXXX. I had made other check deposits from the same XXXX XXXX account into this Bank of America account this year. Upon checking my account balance over that weekend ( i.e. XXXX XXXX ), I was informed via BoA 's web site / e-banking that a hold was placed on that {$17000.00} deposit until no later than XX/XX/XXXX. I have had this happen before, so was not surprised or concerned with this hold. In the past, as soon as the check cleared from the entity it was drawn upon, funds were credited and made available to the account. My complaint is that the check was presented to XXXX XXXX XXXX XXXX  on Monday, XX/XX/XXXX, which they promptly accepted/paid on the same day. In the day and age of electronic transactions, I was curious as to why Bank of America did not credit the funds to my account for another 8 calendar days from when it was accepted / paid by XXXX XXXX. In the past, the deposit was credited within one to two business days. I would like your organization to investigate this and enforce Bank of America to not hold Customer funds and gain interest on them for any time period longer than required to properly clear the check deposit. HOPEFULLY YOU AGREE THAT EIGHT CALENDAR DAYS IS EXCESSIVE FOR A US DOMESTIC BANK TO CREDIT AN ACCOUNT ONCE THE CHECK HAS CLEARED ANOTHER US DOMESTIC BANKING INSTITUTION FROM WHICH IT WAS DRAWN. My request is simply to have whoever oversees BoA from a state regulatory perspective investigate and determine if this practice is widespread and unfair to underlying BoA customers in terms of losing earned interest on their deposits.

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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC bank apparently is not compatible to add so that I can transfer stocks with XXXX. Because PNC does not participate with them, I will have to find another bank account or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: VA

Complaint narrative:
XXXX XXXX XXXX charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by XXXX, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to XXXX XXXX XXXX today to no avail. We will not be doing any further business with XXXX when this lease is over.

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 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: AZ

Complaint narrative:
Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( XXXX XXXX XXXX XXXX ) is unreachable, as well as the alleged original creditor ( CASCADE CAPITAL LLC ). I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX ( less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have had a credit line with Synchrony Bank via a PayPal Credit account associated with my PayPal account. PayPal provided this line of credit to me in XXXX ( I don't know if and when they began the relationship with Synchrony ), and my credit limit increased over the years to {$3400.00}. 

Never in the history of this account have I made a late payment or missed a payment. 

During XXXX, a loss of income forced me to use this credit line to the limit. I continued making regular monthly payments. I never missed a single payment. 

On XX/XX/XXXX, I sold my home and paid the outstanding balance on this credit line in full. It has remained at a {$0.00} balance since that time. 

Two months after paying off this balance, I received a letter dated XX/XX/XXXX from PayPal Credit c/o Synchrony Bank, that began with, " After a review of your account, Synchrony Bank has decided to close your account. '' One of the items cited as reason for closing the account was the information they gathered from my credit bureau report. Then they wrote, " While the date of the credit score may not be recent, your score has likely not changed significantly since this date. '' When they wrote this my credit score was XXXX, according to XXXX XXXX  FICO 8 formula. However, after I lost {$3400.00} of available credit and had an account closed by the provider, my credit score dropped again all thanks to Synchrony Bank.

No one from this company or PayPal ever called me, emailed me, or requested any information of any kind before this obviously automated decision.

Funny that this occurred in the middle of the COVID-19 shutdown, and that I am underemployed and might actually need this credit to purchase food or other necessities. Not only did Synchrony Bank not offer any relief, they actually punished me for using my credit line and making every single payment on time and paying the balance in full!

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 2020-06-25 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: Cogent Road, Inc.
State: CA

Complaint narrative:
Upon conducting a personal credit report review, I noticed that a company named FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD )  conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted unauthorized credit check for the following date : XXXX XX/XX/2020 XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: KY

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased flights on my card in XX/XX/XXXX for travel in XX/XX/XXXX. XX/XX/XXXX the airline cancelled our flights and I requested a refund through them first. I never heard from the airline in 2 weeks so I decided to dispute the charges with my credit card company ( American Express ) on XX/XX/XXXX. I was told that the charges disputed would be resolved by XX/XX/XXXX. I never received any kind of update. I started calling the week before XX/XX/XXXX to look for an update. I was told I had to wait until XX/XX/XXXX. So I called back XX/XX/XXXX asking for the resolution. They told me they have no idea when it'll be resolved and to just keep waiting. I have asked to speak with supervisors and I just keep getting the same go around. No resolution. It's been 8 weeks. And they can't give me an update because they don't know how much longer it could be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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