vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We received charges on our Citibank credit card on XXXX XXXX, 2020 from XXXX XXXX XXXX for {$11.00} and {$18.00}. We did not make these charges. Citicard is investigating them. Again, on XXXX XXXX we saw a charge for XXXX XXXX XXXX , XXXX for {$34.00}. Later we saw 4 charges for the same place on XXXX XXXX of {$68.00}, {$150.00}, {$600.00} and {$1000.00}. We did not make these charges nor were we at the place of business. Citicard asked me if the card was in our possession on XXXX XXXX and I told them yes. They are denying our claim of fraud and said we had to have made the charges. We did not. We have opened up the case twice with Citibank and they have denied us twice. They will not listen to what we are telling them. We have also had the same type of charges with our XXXX Debit card with XXXX XXXX   and XXXX XXXX XXXX XXXX Charges totaled {$2300.00}. XXXX investigated the charges and told us it was fraud and refunded our money. It is ridiculous that we will now have to pay out of our pocket for fraudulent charges we did not make because Citibank will not investigate or listen to our claim. To our best guess, I think our cards were compromised at the XXXX XXXX XXXX but I have no proof of that.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I paid my balance in full with Citi as well as multiple other creditors. Current utilization is 15 %. I used the card for large purchases since were building our home and utilizing that credit to assist us. I paid that balance again down to XXXX. I received notice shortly after that ( XX/XX/XXXX ) that my limit was being decreased from {$9500.00} to {$600.00} which is almost a 95 % decrease due to substantial debt owed to other creditors. Ive contacted them multiple times and even submitted documentation to support the correct balances being XXXX  and having low utilization. Ive submitted current credit report information showing the correct balances as well. Ive submitted screenshots of bank accounts to show over $ XXXX in savings to support my higher limit. Citi refuses to work with me and return the limit to where it was. This could have a severe impact on our home build.

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 2020-07-08 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Around XX/XX/XXXX I was contacted by BMW to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BMWFS in XX/XX/XXXX reported me as late for 30 days. I've contacted BMW and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days.

3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and BMW would've contacted me about my late status. None of this happened. I've contacted BMW and they said they would not help me and the reporting agencies only go back to BMW and use them as the source of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: SC

Complaint narrative:
We are senior citizens on a fixed income and recently experienced a pipe burst in our home. We made an insurance claim and was awarded {$10000.00} to address the cost of repairing the damage. As is customary the check was endorsed to the mortgage company as well as myself. when we contacted the mortgage company to be advised on the process they required us to endorse the check fill out additional paperwork and send the check. After waiting over 2 weeks, with no response they advised us that they are holding our check in escrow and will send out a list of requirements that we have to follow win order for them to release our funds, which includes us paying for the expenses upfront before they will release 50 % of the funds in addition, they advised that they will not release the remainder until the funds until they inspect the work. 

They are advising that we have to provide proof of license, W2, Contracts, etc ... all items that ARE NOT required by the Insurance company or the State of South Carolina for flooring repair or wall repair. We are senior citizens who can not afford to pay for the work up front. We are also advised by our insurance company that this is excessive for an insurance check so small.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST
State: TN

Complaint narrative:
I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious. 

The company name is Essex Credit and division of Bank of the West.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX  XXXX {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Way back in XX/XX/XXXX, I Contacted PNC Bank concerning Unauthorized charges, PNC never conducted a proper investigation. I requested the steps and specifics concerning the investigation they claimed to have completed, PNC Bank refused to provide that information to me. 

I Filed complaints on XX/XX/XXXX another on XX/XX/XXXX, PNC Bank did not respond with the information requested alternately, danced around the crux of my complaint. It has been over 3 years and PNC Bank still has not provided a proper response. Apparently PNC Bank feels time heals and forgets, as now they come at me with an offer to pay off or settle for 20 % of what PNC Bank alleges I owe. The low offer itself is a testament PNC Bank is aware how weak their claim is. 
SEE CASES # XXXX, XXXX & XXXX This debt is not my responsibility plus PNC Bank has given up any legal right when they decided to ignore rules and regulations by not acting in a timely matter, not conducting the proper investigation and numerous other procedural shortcuts they decided to take from my previous issues. 

Additionally, I am requesting a Cease and Desist from PNC Bank or any Collection agency they fraudulently attempt to sell this JUNK debt to in the event PNC Bank does sell this debt to a collection agency which would be another direct violation. 

This letter is in response to the many correspondence I have been receiving from PNC Bank. 
ORDER TO CEASE AND DESIST ALL COMMUNICATIONS : According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call or contact me in any way at home, at work, on my cell phone or at any other location.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2.

I am keeping accurate records of all correspondence from you so if you continue to contact me I will hand this over to my attorney XXXX  XXXX  of XXXX, XXXX, XXXX  XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app will not allow my sister to refund me my money back in the amount of {$1000.00}. This occurred XX/XX/XXXX. I emailed them the same day. I also followed the steps that they ordered me to follow and nothing has changed. It has been 1 month. Ive contacted them via email and the problem did not get solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
XXXX sold the same debt to two different companies. 

1. Caine and Weiner- acct XXXX, settled on XX/XX/XXXX paid in full on that date, confirmation number XXXX, This is still reported as owed as of XX/XX/XXXX. I reported this to the company twice and was told that even though this was settled in full, the credit burea should have been reported to but was not. Noone was helpful and this is still showing on my credit as owing the full amount. 
2. XXXX XXXX XXXX This is a duplicate but is still showing on my credit. 

Neither company has stopped reporting to my credit bureau. From speaking to Caine and Weiner, they posted to account number XXXX, which is not my account but the account of someone with this same name as me. I just want these taken off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and TransUnion. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by TransUnion. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact TranUnion and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company XXXX XXXX XXXX is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with XXXX XXXX XXXX and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX   He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that XXXX XXXX makes him do that to people. He told me that XXXX changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. XXXX violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MD

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 XXXX 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 2020-07-08 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: Experian Information Solutions Inc.
State: MD

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 Experian, XXXX XXXX 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 XXXX score has gone too far, including but not limited to Experian Boost. 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