vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
I transferred money to XXXX through Western Union. 
Tracking number MCTN XXXX on XX/XX/2020 to XXXX XXXX XXXX. 
The tracking number got changed to XXXX XXXX XXXX He was never able to get his money. 
They told him they thought it was fraudulent. 
I assure you it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Fraudulent inquiries showing on my XX/XX/XXXX credit report. I have contact XX/XX/XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. 

XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX SYNCB/PayPal date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry 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 non-monetary relief
Consumer complaint received 2020-11-02 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: GA

Complaint narrative:
Fraudulent inquiries showing on my Transunion credit report. I have contact Transunion directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX  date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX/XXXX date of inquiry 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 2020-11-02 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: GA

Complaint narrative:
Fraudulent inquiries showing on my XXXX  credit report. I have contact XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX date of inquiry XX/XX/XXXX XXXX XXXXXXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am requesting the removal of this bankruptcy & judgment ( below ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. XXXX Information Service , LLC, I did not know the source of their information on those judgments & bankruptcies, due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgment ASAP. 

Bankruptcy Chapter XXXX Ref. # XXXX Date filed XXXX Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

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 2020-11-02 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: IL

Complaint narrative:
My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) 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 2020-11-02 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: NY

Complaint narrative:
My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease

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 2020-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Since XX/XX/2020, I have been attempting in vain to arrange for a payment plan on my account since I was adversely affected by Covid-19. I was laid off from work and could not pay my bill. I received a notice from XXXX XXXX XXXX that my account was in collections. I was informed that I would have to call back to arrange for a payment plan since a supervisor was not available. Since that time, I have called both XXXX and Barclay 's approximately 7 times to try to get this matter resolved. On XX/XX/2020, I was informed by XXXX XXXX of XXXX that Barclay 's had reclaimed the account as of XX/XX/2020 and that I would have to call back since he could not accept a payment from me. I also called Barclay 's on XX/XX/2020 and spoke with XXXX ( # XXXX ) and account manager XXXX, both of whom told me they could not accept a payment from me since it was being " charged off. '' On XX/XX/2020, I called and spoke with the Collections Department who also told me to " check back '' because my account had not yet been assigned to another collection agency. On XX/XX/2020, I called and spoke with XXXX XXXX who told me the same thing. There was a TV blaring in the background. On XX/XX/2020, I spoke with XXXX of the " Back Line Department '' and he told me the same thing. During this entire time, late fees are accruing, interest is accruing, and I am being negatively reported to the credit bureau. All I want to do is get on a payment plan and get back on track since I am now working again.

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 2020-11-02 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:
My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) 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 2020-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is providing me false information resulting in all 3 credit bureaus having negative information on my account. they keep sending me bills with a signature that is clearly not mine trying to claim i owe. i did not have a contract with these people. this negative account has been written off as bad debt which is incorrect. they are saying its a loan from a payday company which is illegal in the state that i am located. they have yet to provide proof on how i obtained this loan. they do not have the rights to legally collect the debt in addition there are not any places in my area that allow those type of loans. they are providing me the documentation that they wrote up trying to say that i agreed to the loan and i did not. they are only sending me letters with balances but no actual hard proof that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
I'm called PayPal prepaid card service/ netspend payroll deposit checking account in XXXX of 2019 to discuss charges from the same fue company in my area for recurring charges that where coming out. From XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a fue more places including XXXX and XXXX XXXX. XXXX  XXXX and a host of other fake business! They are at All from over seas and XXXX is there 2nd language so it's hard to understand also they are not given correct answers or helpful answers in order to refund my money. Or fix issues please help me.

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 2020-11-02 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: WA

Complaint narrative:
Information belongs to someone else.

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 2020-11-02 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: WA

Complaint narrative:
Information belongs to someone else.

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 2020-11-02 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: WA

Complaint narrative:
Information belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am a XXXX year old college student. I live at home with both parents and have two credit cards. When I was XXXX years old, a minor, someone stole my information and opened a XXXX account. I reported the identity fraud called the collection agency who referred me to XXXX. I spoke to XXXX who made me fill out a pamphlet claiming fraud. The account was removed. Now I have a new collection agency I C system Inc attempting to collect on a debt and claim date opened was XX/XX/2020. Please help me! XXXX is a predator who allows accounts to be opened in the name of minors and do nothing to protect victims!

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
It's a follow-up for my last complain : REF NO XXXX Below is primary content : " On XX/XX/2020, the East West Bank suspend the transfer service for my checking account, when I asked their customer service for reopening, they replied that I need add XXXX deposit into this account. I checked my account, there's no evidence showing that I need add money into this account, because it's not a credit account '' I got the email response from EWB, and I also provided the enough information to their XXXX  of operations. Unfortunately they stop replying my email after I provided enough information I wan na them handle this issue as soon as possible and recover my account as fast as possible

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all fraud alerts on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello there! 
On XX/XX/XXXX, XXXX XXXX ( XXXX ) sent me three payments for {$480.00} ( {$1400.00} ) and when the money arrived in my PayPal account and I tried to transfer it to my bank, its saying Im not able to transfer the money. I contacted the business and they contacted PayPal to let them know it was them who authorized the transactions and I also contacted PayPal but they never responded to me like they always do to their customers. 

I just want them to let me get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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:
Failed to remove the remaining fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for the Marriott XXXX account under the promotion " You are invited to apply and earn 30,000 bonus points after you spend {$1000.00} on purchases in your first 3 months from your account opening. '' Not only did I spend the required {$1000.00} meet the conditions in the 3 month time frame stated. I applied for the XXXX card in XX/XX/XXXX ; received the card in XX/XX/XXXX and made the purchases between XXXX and XX/XX/XXXX. 
I waited until XX/XX/XXXX before making the first call asking for my bonus points as I met the requirement. I was informed in XXXX by way of a letter that the promotion listed on my account was for 50,000 points if I spend XXXX however I called back with proof that the 50,000 bonus offer did not start until XX/XX/XXXX as I receive all of their promotional emails. I furthered stated I had verifiable proof of the promotion I entered in as I took a screenshot when I applied. 
I waited until XXXX for the same denial from the company. I called a XXXX time asking to submit my proof. In XXXX I sent the proof of the screenshot I took from the promotion and the representative I spoke with even confirmed ( calls are recorded ) that the promotion I stated was actually the promotion in place XXXX. 
Even with the proof this company still denies the promotion and honoring the promotion that was advertised in XXXX ; the reason why I applied. I have since discontinued my use of my Marriott Bonvoy card as I refuse to use a card whose company refuses to honor their advertised promotions. I met the requirement and I believe they changed the conditions of the promotion without notification as to avoid awarding said bonus points. 
I want to warn other consumers to keep records, take screenshots ( even if they try to deny promotion ) and hold these credit card companies to their advertisements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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:
id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work

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 2020-11-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-02 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:
Failed to remove the remaining 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
Consumer complaint received 2020-11-02 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:
Failed to remove the remaining 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
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all fraud alerts on my credit file

Company response to consumer: Closed with explanation