vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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:
Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of XXXX XXXX ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX  XXXX XXXX and XXXX XXXX.which is been serviced by XXXX XXXX XXXX credit is on my credit report.. which I have no idea or affiliation with these companies..

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I attended an online webinar at XXXX on Thursday XX/XX/2020 and purchased a digital product XXXX XXXX XXXX  invoice # XXXX using my debit card which has the mastercard logo. and the company ran it as a credit card purchase. Friday I was notified that I lost my job and income due to the pandemic. I immediately contacted the company and was transferred to voicemail and I also sent email through their system requesting cancellation and a refund. I heard nothing friday from them or over the weekend. On Monday the charge posted to my account and I called XXXX XXXX XXXX XXXX XXXX. I then reached out to my bank Pinnacle to see if they could assist me. Within 2 hours of that email I received email from XXXX from XXXX saying I had exceeded my 72hr refund window. I have never accessed any of the material because I want and need a refund. I then submitted a dispute with my bank and have been notified their final determination was against me. 
Why can't the transaction be disputed as a credit card because that is how the company viewed it? If I make online purchases I use XXXX but that wasn't an option in this case and I am in a Chapter XXXX bankruptcy and I don't have a credit card anymore. But I was under the impression that the logo made it a credit card transaction as long as the PIN wasn't used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
This is in reference to Paypal.com and using paypal credit. I ordered a dress from a very disguised XXXX website ( XXXX ) on XX/XX/XXXX paying {$74.00}, realized my mistake and canceled the order on XX/XX/XXXX, per their website within 24 hours and prior to shipping the product. 

I contacted them on the first time XX/XX/XXXX to request a refund, and XXXX times making the same request since. I filed a dispute with Paypal on XX/XX/XXXX, stating I could not communicate with the seller and I wanted my payment refunded. Paypal gave the seller an opportunity to send me the product ( a dress ) and closed my case on XX/XX/XXXX. The product the seller has sent is a cheap necklace, so I opened a new dispute that the item is not as described on XX/XX/XXXX. 

Paypal has given me 9 days to send this product back to XXXX. I can not ship to XXXX in the middle of a pandemic, they will not communicate with me and are refusing to refund my money when I had clearly shown the product was not as described and is not desired. I've done everything in my power to immediately stop this transaction, and Paypal 's advertisement of buy protection is a false advertisement. Paypals purchase protection is quoted as follows from their website : " When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund.

To qualify for PayPal Purchase Protection : Use PayPal to complete your payment.

Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute. 
Keep your PayPal account in good standing.

If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges. '' This product more than qualifies.1. I tried to cancel the order. 2. I've sent numerous emails to the seller as well as contacted them via their contact us the website. 3. I am willing to ship this invalid product back to anywhere in the U.S. that I can actually ship it to.

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 2020-07-23 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: NV

Complaint narrative:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove 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 explanation
Consumer complaint received 2020-07-23 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: NV

Complaint narrative:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account with Regions Bank. On XX/XX/2020 an unauthorized ATM transaction of XXXX dollars was made and I reported this the same day if not the next day after it happened. I called three days before filing this complaint to get an update on my case. They said that it was concluded and determined that this transaction was valid. I asked for evidence and validation of this transaction and they failed to give me such information, given I also have a police report regarding this and which they also refused to accept because the case was already concluded. I asked for upper management and they also refused to help me. This not right, given that this was an ATM transaction and there is video footage that they can easily verify and provide evidence regarding this false transaction that now I am being unjustly responsible for.

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 2020-07-23 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN is the credit bureau that I use to monitor my credit reports and scores. They offer free services and my current membership states that I am entitled to these benefits : Free Experian Credit Report & FICO Score Experian Credit Monitoring FICO Score Tracker Experian FICO Score Monitoring I have not  been able to view or receive these benefits for the past year. I try to call and the phone number listed is an automated-system that is not very helpful. I want to submit a Claim because Experian says these benefits are available to me yet they are not honoring them to 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 2020-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..

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 2020-07-23 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: OH

Complaint narrative:
I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # 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 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please refer my previous CFPB complaint XXXX regarding Costco Citi Visa card. 
Tonight I called Citi once again at arond XXXX XXXX  central time. Spoke to customer service that I had requested my XX/XX/XXXX statements online on XX/XX/XXXXand they are yet not available. Can you help me? 

She forwarded me to online support. 
At around XXXX XXXX  to XXXX XXXX I talked to XXXX about the same. I told that I have a Citi warranty issue and i need those statements. Citi Warranty has opened a case for me-as that is part of the extended warranty of my refrigerator. My refrigerator freezer is not working since last Saturday. They want those XX/XX/XXXX statements. 
XXXX was very aggressive and not wiling to listen anything. She denied the very fact that i have ever requested those statements on XX/XX/XXXX. As my previous request was not completed in 48 hours ... I need to put another request - but that doesn't mean that the previous request ( XX/XX/XXXX ) was not even there. 

She said that she has made a note of this issue and can't help me. I need to wait 72 hours to get my statement. 
When i said that this is not acceptable and when Citi told me that Customers has to wait for 72 hours if they are accessing their statements which are more than 12 months old? She was not willing to answer. She was not willing to give me any confirmation number or reference number. 

Look at the website : Statements will be ready 48-72 hours after your request, and they're available for 30 days after that. Once you request 12 statements, you won't be able to request more until some of your statements become available. 

Essentially Citi is making the rules and bending it whatever way they want? 
Who is Citi to tell me how many times i can access my credit card statements or not? Has citi told all this to customers ( not in some fine prints or some Card member agreement or some FYI )??? It looks like some tyrant is running Citi and simply doesn't care about the customer or law of the land.

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 2020-07-23 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: OH

Complaint narrative:
I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: OH

Complaint narrative:
I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX # 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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
On Saturday XX/XX/XXXX, received via mail, PA ( Pennsylvannia ) Visa US BANK Reliacard. Called company to report fraud, as we knew this was not ours. Wait time to report fraud 6 hours. Called again and automated phone system said, over {$10000.00} was on this card. It appears to be an unemployment, COVID 19, or some kind of GOVERNMENT FUNDS. Called out of desperation XXXX XXXX   XXXX, and reported card. They did not want to cancel the card, but gave me another # to US BANK ... .but I insisted they kill this card. They did. Still say I need to report to US BANK ... ..the best wait time so far was 2 hours. I'm sorry but I have XXXX parent, and CAN NOT do this. Did call repeatedly, and finally put in the account # 's on automation line, and it identified owner of account ... '' .NEBRASKA ??? INMATE '' ... ..a prisoner???? So my identity is stolen. I have put freezes on credit ... .with one company asking for it by mail. I discovered another amount of over {$2000.00} on my credit, ( XXXX cell phone ) and I have a very high credit score, and this is not my bill. I have never owned a XXXX Cell phone. Have also contacted XXXX, but says I have to prove that it is not me. The " XXXX '' in my name is not the same. I have contacted my credit union to change all my account numbers. I am scared to death.

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 2020-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NV

Complaint narrative:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: IL

Complaint narrative:
My Issue with the Company Sun West as a whole is the constant lack of professional work ethics and inability to deliver on practical and basic services. I am trying to purchase a real estate property which Sun West is the " lender ''. The issue is after countless phone calls and documents the company can not provided me with an adequate reason as to what is holding up the whole transaction to be able to close on the property. Furthermore, after a minimal two extensions granted by the seller and even then I have yet to fully understand why I am unable to close on the property. The seller might even walk away soon due to the lack of transparency from Sun West the " Lender '' and lack of being able to accomplish a set closing date for the property. I have called corporate multiple times already throughout the process to only be shuffled from one unaware superior of my " loan officer '' to another. The people I  voice my issues with have stated that they will handle the situation and call me back to inform me of the resolution. Unfortunately not one of those superiors has yet to contact me back to todays date. I also have my real estate attorney and realtor as a witness to all the shenanigans. I am a first time home buyer and the process has been a total nightmare ; in which I do not feel like a valued customer nor, do I feel like this is fair treatment of anyone. I am in utter shock that a company of this magnitude is not under a fine microscope of the " CFPB ''. I spoke with my attorney and realtor before submitting this complaint and they both assured me that my current experience is not in any way, shape, or form a representation of how the home buying process really works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DISCOVER BANK
State: IL

Complaint narrative:
Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.

Company response to consumer: Closed with explanation