vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account on XX/XX/XXXX with Citibank for a {$400.00} promotion with a {$15000.00} minimum balance requirement. I have well over {$15000.00} in my account. The banker I opened my account with XXXX XXXX confirmed my eligibility for the promotion at account opening. The money was supposed to stay the for 60 days and the bonus promotion to be credited to account within 90 days after the 60 days. It has been more than 6.5 months and Citibank still hasnt honored the {$400.00} promotion. They are scamming us. I have filed multiple complaints via the banker XXXX XXXX and Customer Service on XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX, a supervisor and XX/XX/XXXX and XX/XX/XXXX with XXXX a supervisor with Citibank and to no avail or response from them.

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
If i could figure out who the company is I would be happy to let every one know equifax let them report XXXX unknown name the address goes to an attorney 's office and they have never heard of me and the number listed goes to a prepaid cell number see attachments after doping dome research I came up with this company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX see attachment however when you look up the company you come up with this contact info XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX by the way the address they have list belongs to XXXX - California, XXXX - XXXX XXXX see the screen shot these are temporary offices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after dooing a little more research i looked into who was able to be a data furnisher and it sure is not a company working out of a temp office with a perpaid cell phone How could Equifax allow this to happen how can they allow a company like this report on my credit or anyone for that matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}

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 2020-05-26 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}

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 2020-05-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance. 

A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX  the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX  and TD came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
unauthorized hard inquiries on XX/XX/XXXX, XX/XX/XXXX, 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 2020-05-26 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: OH

Complaint narrative:
Attention Consumer Protection : this is what I Mean by Fraud! 
Here are some more inquires that this EXPERIAN bureau refuses to remove. 
I DEMAND THEY BE REMOVED IMMEDIATELY! 
I WOULD NEVER AND I MEAN NEVER APPLY FOR ANY CREDIT WITH XXXX XXXX XXXX HERES WHY. 
I AUTOMATICALLY WOULD KNOW THAT I WOULD BE TURNED DOWN BECAUSE I AM A XXXX XXXX XXXX. XXXX  XXXX XXXX DOES NOT DO ANY BUSINESS WITH XXXX XXXX  UNLESS YOUR CREDIT SCORE IS 700 OR HIGHER OK THIS IS HOW I KNOW FOR SURE I HAVE NEVER APPLIED FOR ANY CREDIT WITH THIS XXXX COMPANY! EVERYBODY XXXX XXXX  KNOW THIS ABOUT XXXX  XXXX XXXX! PLEASE REMOVE! THISIS THE KIND OF XXXX THAT KEEPS ME FURIOUS WITH YOU PEOPLE WHEN YOU ALLOW THIS KIND OF XXXX TO KEEP HAPPENING TO HARD WORKING INNOCENT PEOPLE WHO ARE TRYING REALLY REALLY REALLY XXXX  HARD TO GET THEIR LIVES STRAIGHTEN OUTNO ONE HAS TIME FOR THESE KINDS OF FRADULENT CONCEPTIONS. THE SAD PART IS ITS  YOUR AGENCYS XXXX  JOB TO PROTECT US CONSUMERS FROM THIS XXXX! DO YOU XXXX  JOBS! 
CREDIT ACCEPTANCE? U HAVE GOT TO BE KIDDING ME? I WOULD NEVER FREQUENT THESE PEOPLE EVER! THESE PEOPLE FINANCE CARS FOR XXXX XXXX  XXXX? NEVER BEEN ON XXXX   XXXX  CAR LOTS PRIOD! PLEASE REMOVE NOW! SEE WHAT I MEAN.!! 
XXXX  XXXX???? 
4 XXXX XXXX TIMES? HOW MANY CAR LOANS DO I NEED? NEVER APPLIED! 
AS YOU CAN SEE, I AM FINANCE THROUGH XXXX  XXXX  XXXX  AND THAT IS THE ONLY FINANCE COMPANY I APPLIED TO AND XXXX XXXX GET THIS XXXX OFF OF MY REPORT. MAKE THEM XXXX XXXX PEOPLE WHO OPERATE THIS SCAM XXXX CREDIT BUREAU GET THIS XXXX OFF OF MY REPORT! THIS WHAT I MEAN BY RUING PEOPLE WITH THESE LYING XXXX   INQUIRIES!! THESE COMPANIES MUST GET PAID TO STEAL YOUR SOCIAL SECURITY NUMBER, MAKE UP A LIST, PLACE THIS XXXX  ON YOUR CREDIT REPORTSIS THIS WHAT FRAUDULENT CREDITORS DO? THEY DO GET PAID FOR LISTING FAKE INFO LYING ON INNOCENT CONSUMERS REPORTS THAT NEVER EVEN CAME TO APPLY FOR CREDIT FROM THEIR BUSINESSES? 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Because of fraudulent Black market activity on my credit, all XXXX bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA  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 2020-05-26 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I recently learned about three derogatory payments with Comenity - NY and CO credit card. After speaking with several people and one today, XX/XX/XXXX, I learned Comenity has a bad address for me and this has impacted my accounts with Victoria Secret and New York and Company. When I spoke with Comenity, they advised me the missed payments are my fault because I never provided them with a good address until XX/XX/XXXX. I did not speak with New York and Company on this date so I am not sure HOW they got an updated address. As of XX/XX/XXXX, even after speaking to several of their representatives, I have logged on to my Victoria Secret account and realized they still have a bad address for my account. As of XX/XX/XXXX, the address listed in the account was XXXX XXXX XXXX XXXX, XXXX   XXXX. The correct address ( which I changed in my VS account ) is XXXX XXXX XXXX XXXX in XXXX, XXXX   XXXX. After reviewing all accounts with Comenity, ( NY & CO, Victoria Secret ), I am realizing my bills and all other correspondance was being sent to the wrong address resulting in non-payment. It appears there are some other issues as well because there were no statements generated from XXXX to XX/XX/XXXX to advise me I had a balance in my NY and CO   account, nor did Comenity make any effort to call me to let me know the status of these accounts were past due. I have confirmed my phone number in both websites is correct and it is. I have excellent credit history. I have also checked for emails from Comenity regarding my victoria Secret account and I did not receive any emails either. Comenity will not provide me any proof of phone calls or attempts to reach out to me and advise me of these past due accounts. 
This has caused hardships on my credit score which was in the high 700  's and now at XXXX. I am also being disqualified for a job with a local police department because of this. I need to get this situation fixed as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI BANK XXXX XXXX XXXX XXXX. TOOK OUT DOUBLLE 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 explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX has a partnership with Synchrony Bank which caused Synchrony bank to charge me {$10000.00} in financing for a project that New Age Security was getting ready to work on for me. Before the project began, XXXX XXXX XXXX informed me that I would have to pay a processing fee of {$1700.00} before financing could be processed, so I withheld on paying that processing fee so the financing would not be processed. It came to my knowledge that XXXX XXXX XXXX and Synchrony Bank went ahead and processed the financing without me even paying that {$1700.00} processing fee. They did this without my consent or knowledge. Since, I cancelled the project before it started, they are claiming that I owe them {$2600.00} for the work they already did. I did not consent for them to process anything and they insisted that I pay for the work they already completed. So, they insisted on sending their completed work to my place of residence, which they never sent. Which then again proves that they are trying to cover up that they processed that financing illegally. Initially they charged me {$10000.00} fraudulently and I called and resolved it, then they went back about a month afterwards and fraudulently charged me {$2600.00}. My guess would be that they agent I was working with ( XXXX XXXX XXXX went ahead and paid the processing fee on his own so that he could gain his commission from the sale very quickly. This fraudulent debt has hardened and prevented my process of purchasing my new home amongst many other things.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
unauthorized hard inquiry reported on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
I signed up for XXXX service in conjunction with an Internet service the Internet service site that I signed up with said no contracts no prepayment penalty I moved from the location I was that in 2017 XXXX continues to send to 3 different credit bureaus collection agencies demand for payment of the {$200.00} I have spoken with XXXX on several occasion 's I have repeatedly told them show me send me a copy semi a recording where I agreed to pay a {$200.00} termineation thing and now this case is with Franklin collection service inc XXXX  Mississippi case numbers XXXX I do not believe I owe this debt and they continually send it to another collection agency please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

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 2020-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. In XXXX, I co-signed with my daughter to get a loan for her education to attend XXXX XXXX University in XXXX, Georgia. After completing school, she and her husband encountered some difficulties paying her loan. I had problems of my own, therefore I couldn't help her financially. I also had a student loan at the time. In the year between XXXX, her loan was paid in full due to IRS sending her refund to cover her loan amount to the U.S. Department of Education. Since that time, Navient took over my loan from Sallie Mae in XXXX. The last four of her loan was XXXX, whereas, the last four of my loan is XXXX, however, my entire account number is XXXX. Navient has placed her loan, which is already paid on my account in the amount of {$5800.00}. I wrote to the company about this on XX/XX/XXXX, but their response was, " We are unable to adequately address your concern via email due to the status of your loan. '' They gave me a number to call by telephone, which was XXXX. The Navient Email  Representative was Ms. XXXX. All she could tell me was that the loan was mine. I understand how co-signing works, but the loan was paid in full after the IRS sent my daughter 's refund to the U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/2020 I sent {$240.00} to my mother through the XXXX app attached to my Ally bank account. In my end I am receiving a confirmation that the transfer was successfully sent. The money is out of my account and shows as a completed transfer. On the receivers end, my mother reached out to her bank XXXX XXXX that also has an embedded XXXX app. She never received the funds. She was told the transfer was NOT completed. She has not received the {$240.00} that was supposed to be transferred within minutes. It is now over 10 days later. It was supposed to be an instant transfer through XXXX within a few minutes. My bank Ally bank is saying the transfer completed. XXXX XXXX bank is saying the transfer cancelled and were returned to my bank. XXXX is saying that they are not responsible and that both of us should call our banks. Luckily this is a mother and daughter team. We have been able to call both Ally bank and XXXX XXXX banks together and hear both sides of the story. We have called XXXX several times and were offered no assistance. We are merely the customers. We do not have the ability to trace the funds and the banks and XXXX are not being forthcoming. The banks should be doing the legwork, not the customer. We have done everything in our powers and need assistance from another source. The companies refuse to resolve the problem or speak with eachother. I have had {$240.00} literally stolen from me by none other than the FDIC- insured bank that promised to protect my funds. My mother willfully loaned me money that I am left unable to repay until these funds are returned to my bank account. The XXXX transaction number involved is XXXX. 

I called back in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the problem is still not resolved. 

Companies involved. 
Ally bank XXXX XXXX XXXX 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 2020-05-26 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: TX

Complaint narrative:
I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with XXXX XXXX  and I paid in full its balance. 

A year later, on XXXX XXXX, XXXX charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via Experian the week of XX/XX/XXXX. As a result XXXX  XXXX updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several XXXX  customer services XXXX numbers and spent several hours on long waits. The XXXX employees I have spoken to do not know how to settle this and keep sending me to call other XXXX number lines/departments with no one assuming the solution. The XXXX   associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score.  The XXXX customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with Experian and XXXX came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : XXXX XXXX  Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from XXXX XXXX, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score?

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