vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: AL

Complaint narrative:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   XXXX  and Experian credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, XXXX and Experian sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???

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 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I noticed a collection account on my credit from Portfolio Debt Collection agency for an account from XXXX XXXX. A credit card that I never had. I asked them to send me information on this card and to verify it. They won't do anything but report it on my credit. I don't even have XXXX XXXX  anywhere on my credit file, only a collection from Portfolio. This is a erroneous account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I opened a new account with Citibank. Upon opening new account, banker then led me to branch teller to make my deposits. I handed teller sealed envelopes of my CASH deposit. She opened them in front of me then walked away out of sight for some time. I thought she would be right back with a bill counter. Instead she returned and handed me a deposit slip. I was confused because she did not count CASH in front of me ... but I was forced to leave because branch had just closed for the day. Later same day, I realize I am missing {$2200.00} from my cash deposit. 

I returned NEXT business day ( on XX/XX/XXXX ) and explained to banker ( who opened my new account ) what happened with teller/ my deposit. 

He didnt investigate the matter. Instead he brushed off the seriousness of her negligence. 

I asked him why teller walked away out of sight with a large sum of CASH? Why she didnt count it in front of me? And stated that Ive never seen this happen at any bank branch before. And how can I confirm she made a proper deposit? 

Banker replied that THIS BRANCH placed bill counters out of sight and DOES NOT COUNT CASH IN FRONT OF CUSTOMERS purposely. 

I recorded him admitting to this on my phone. 

I opened an investigation with CitiBank regarding my missing funds AND the negligence taking place at this branch. 

CITIBANK REFUSED to properly investigate this, never reached out for my evidence, closed the investigation citing deposit was correct because branch told them it was, and is REFUSING to honor my appeal! 

CITIBANK is supporting negligence and theft at this Branch by refusing to do a PROPER INVESTIGATION and by ignoring my appeal.

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 2020-03-12 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from 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 non-monetary relief
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized 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 2020-03-12 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized 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 non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/2020 an order was placed with XXXX for {$2800.00} for a computer and the Order number is XXXX. The item was to be shipped by XXXX and delivered on XXXX XXXX, 2020. I wasn't home that day and when I got home the package was not present. the tracking number is XXXX. I checked with my neighbors and waited the requisite 2 days for delivery. After which I contacted XXXX by phone and they were not helpful at that time, so I filed a Dispute with Charles Schwab Bank. Charles Schwab then gave me a temporary credit and reversed the credit on XX/XX/2020 and stated that the charge was legitimate. I then contacted XXXX and they stated I was to file a Police report. The police report was filed with the XXXX XXXX Sheriffs Department on XX/XX/2020. The report was made available on XX/XX/2020 and sent to Charles Schwab and XXXX. The only fair resolution is to refund me the {$2800.00} as the computer was not received by me and either was not delivered or was stolen.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
credit information older than 7 year if neg is suppose to be removed.the account i had with m & t bank was removed from XXXX  and XXXX  with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with XXXX  and the company m  & t bank keeps changing the dates to XXXX and to 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 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/1978 XXXX XXXX XXXX and his friends told me that my money was gone and I would have to leave the bank, this was supposed to be a joke, but it wasn't the social security number was changed.theres a savings bonds that my brother brought for me for XXXX dollars, My name is on the front When I returned to work the next day XXXX told me to leave or he would call the police.for years I have been trying to get my money.but i know that I was robbed.XXXX  should have me under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had a hard hit on my experian credit report that I did not authorize. I tried to file a dispute online but they do not take credit inquiry disputes online so I called. They advised they would not investigate the credit inquiry because the FRCA says the bank has to remove it. Even if the bank fraudulently does a hard pull without permission. I disagree with this as a bad bank will of course not care since there is no repercussion.

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Received a letter via the USPS enclosing a customer service evaluation tool ( CSET ) Since I write reviews for products I thought it was a different assignment, although very different. I was old to go to three stores and purchase {$2500.00} in XXXX gift cards ... .then send them via text the codes on the cards after writing reviews about my assignments, which I did. I then received another assignment but did not start it as I waiting for my check to cash for the {$2500.00} in gift cards. IT did not cash even though it was deposited without a problem at the bank. It was a bogus check. I immediately reported this to American Express on XX/XX/2020. They told me not to worry as this would be credited and I would not have to pay for the charges ; they sent me another card. Received another call from American Express on XX/XX/XXXX stating that the charges on my American Express card had been reversed and there would be no charges on my account. Today I received a notification that the charges would be reversed and would be charged to my American Express Card in the amount of {$2500.00}. 
I am XXXX years old, very very stressed over this scam. Not sure what to do or where to report this. 
The number given me by the Customer Service Evaluation Tool was XXXX and the name signed was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. XXXX  and Transunion have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and XXXX  was experiencig some difficulties. This is very important, nerve racking and no customer service to assist 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 2020-03-12 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: TX

Complaint narrative:
ftc violation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ftc file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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 2020-03-12 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: GA

Complaint narrative:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On TransUnion is reporting account status as open, on my XXXX  it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on Transunion and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

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 2020-03-12 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:
Identity theft

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 2020-03-12 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:
I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. Experian and XXXX  have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and experian was experiencig some difficulties. This is very important, nerve racking and no customer service to assist 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 non-monetary relief
Consumer complaint received 2020-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I feel that as a consumer I'm being treated unfairly by CITI bank, they lowered my credit card limit from {$3500.00} to XXXX for something negative on my XXXX  report as they stated. I got issue fixed and after calling them they cant seem to now reinstate by available limit and only want to hurt my consumer credit report y doing another hard inquiry that will damage my credit report. all I'm asking is to be treated fairly. Seems like ive been getting conflicting information from CITI.

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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the account months ago and have been electronically depositing money into the account. However it isnt letting me take money out. I have spoken to 3 separate departments on several occasions and none of them have been able to identify why there is a hold nor have they been able to lift the hold. I have not had voicemails and promises to call me back fulfilled. I have several thousands of dollars in the account. They can not close my account due to this hold. I dont want this bank account anymore, it is so much hassle. I am worried they will keep my money.

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 2020-03-12 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: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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