vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received a targeted email promotion from PenFed.org for opening a checking account with my stimulus payment. Successfully opened the account and met all conditions but the checking account was never credited {$200.00} for opening account promotion as advertised by targeted email on XX/XX/XXXX. 

After meeting all conditions for the promotion, specifically the 90 days post deposit, but not receiving the funds, I called in to inquire about said promotion. Was told in late XXXX, on a phone call to Penfed, that I did meet all said conditions but they would get back to me on why I didn't receive the funds yet. 

With no communication from Penfed for almost a month, I called again and spoke with XXXX on XX/XX/XXXX at XXXX ( case # XXXX ) and was told the promotion was cancelled before I opened the account ( but within the eligibility of the original targeted promotion ). 
I then asked if the promotion was cancelled why was I still allowed to open the account with the specific targeted link. XXXX had no answer to the question. To further the point of the targeted link, when I click the link now, it states the promotion is no longer eligible. Thus, they fixed this after the complaints were lodged. 
XXXX said this was final and hung up.

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 2020-12-29 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: GA

Complaint narrative:
Sent a dispute letter for several accounts to Equifax on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have no received a report or status. Contacted Equifax to day via phone to inquire and ask that they remove disputed items and they refuse, even though they verified receiving my dispute letter. Instead the offered to start another dispute and to completely disregard my initial dispute. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
After almost 9 months, it appears I have finally received the long sought XXXX XXXX XXXX charge back from Citicard. 

On XX/XX/2020, I wrote Citicard and requested the {$28000.00} charge back. Fully one month later, Citicard wrote and requested additional information. I provided the additional information in a letter to Citicard dated XX/XX/2020, and received by Citicard on XX/XX/2020. Then months of no action on the part of Citicard. I wrote Citicard again on XX/XX/2020, to request the status of the charge back. Regrettably, I did not receive even the courtesy of a response from Citicard. On XX/XX/2020, I called Citicard regarding the charge back and was told I would receive a written response from Citicard within 7-10 business days. Again, no response was received from Citicard. On XX/XX/2020, I again wrote Citicard, and again I received no response from Citicard. Only after filing a complaint with the CFPB did Citicard finally respond and issue a conditional credit ( on XX/XX/2020 ). As noted above, this credit appears to have finally been disbursed to me on XX/XX/2020. 

In my letter to Citicard dated XX/XX/2020, I specifically requested that Citicard inform me of the steps it had taken to pursue this charge back. As noted above, I did not receive a response to that letter and can only conclude from Citicards silence, that from XX/XX/2020, until on or about XX/XX/2020, after I filed my complaint with the CFPB, Citicard did not act on the charge back. Meanwhile, Im out {$28000.00} and having to write monthly checks to Citicard for charge purchases.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 TransUnion subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my TransUnion credit report the same day by XXXX XXXX but TransUnion failed to restore and add the 48 points back to my score. 
XXXX did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.

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 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank And XXXX XXXX Including XXXX XXXX XXXX  They all Have Stole my Assets 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 explanation
Consumer complaint received 2020-12-29 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: NY

Complaint narrative:
Please remove the fraudulent account XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX  data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I initially called XXXX, who was referred to me by a friend as a XXXX  of XXXX XXXX. I had a XXXX  XXXX XXXX XXXX, which had shifter issues. XXXX did not answer after my first call, so I wrote a text introducing myself and the type of car that I needed to be fixed. He replied that I could tow the car to him, so I sent him the car on the evening of Tuesday, XX/XX/XXXX. The next day, I made sure that XXXX had received the car. He said he knew the issue well and knew how to fix it, and that the charge would be {$250.00}. After 13 days, on XX/XX/XXXX, I asked him about the status of my car, as it had yet to be fixed. He replied that he needed a new shifter, and I told him that I had a shifter that I had purchased from XXXX in the past, but he later called and said he had fixed the shifter that was on the car already. On XX/XX/XXXX, : XXXX said that the car was fixed, so I picked it up and payed {$650.00}, {$400.00} more than the initial estimation that XXXX said he was sure about. The next morning, my wife was driving the car to work, but after the car started presenting the previous shifter issue, which was supposedly fixed, she was forced to pull over on the XXXX highway. I contacted him afterwards, and he told me that I should tow the car back to his shop. I towed the car back to : XXXX on XX/XX/XXXX. He asked for an additional {$1500.00} on XX/XX/XXXX for other parts which he had thought were the cause of the problem. I told him to not touch the car and sent the tow truck to pick it up. After receiving the car, it was driving worse than it was prior to going into the mechanic. It could not shift, had transmission kick, and also the engine light was turned on. Not only did he not fix the problem, he also charged me for a service that he did not provide, and he made the car undrivable, a state much worse than it was driving prior to going to his shop. I am disputing this transaction due to the faulty service provided by the mechanic. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I Put through a Claim for XXXX that hit my account! that I never Authorized, They Don't Have My Signature, They Don't Have Verbal or Written Authorization to Pull Money From My Account! Nor ' Do they Have Proof as Such ' As I Have Never Provided It!! Wells Fargo is Supposed to be FDIC Insured and Follow Those Rules and Regulations!!! They after 30+ days are Fraudulently taking the money out of my account after a Bogus Claim, put through that Wells Fargo did! I Have Had Three Claims With Wells Fargo All Three Have Resulted in Wells Fargo Taking Money Out of My Account!! They are Abusing the FDIC Rules by giving temporary credits and taking them back after 30+ days!!! They are Doing this Across the Board with All of their Customers, This needs to Be Investigated on the Consumer Level!! When they Don't Have Proof of an Authorized Debit because it was Never Authorized yet ' refuse to Credit the Money Back they are not Following FDIC Insured and the Fraud is at the Bank Level!!! By the Way I Used to Work for them Now they are Saying Board Down ' Not to Hire XXXX  XXXX  People ' Any Wonder Why The Bank Has Tanked So Far!!! Lawsuit over Lawsuit, w/ some now of XXXX profiling and discrimination against innocent XXXX  XXXX  People!! Absolutely Disgusting!! Consumers ' Stay Away!! Lawyers Dig In '!! A Lot of Settlements Going Out!! & There Market Share has Dropped from XXXX $ to XXXX in XXXX Alone!!

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 2020-12-29 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There is a fraudulent Midland Credit Managment Co on my credit. I have paid this collection despite it being not mine as the company promised to remove this account from my credit. This account is continuing to report on my credit despite being fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 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:
Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. 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 2020-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank. 
XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction. 
I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply. 
XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: MD

Complaint narrative:
Gregory Funding has not paid my insurance which caused it to be terminated and nor my Taxes for the past year. Gregory Funding purchase my loan from another company with an escrow and I have been paying the same amount of mortgage and Gregory Funding not doing what they are suppose to do. Why do they even have my mortgage and my escrow account and not paying the bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. 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 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.

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 2020-12-29 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: NY

Complaint narrative:
Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the Equifax data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: GA

Complaint narrative:
my information was stolen and used to open several fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation