vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
To whom it may concern, I have recently viewed my credit report to find the inaccurate accounts reporting under my name. I dont know how these accounts were connected to my credit report and I never gave Equifax or XXXX XXXX any written consent to report anything on my consumer report, according to the FCRA no consent is a direct indication of identity theft. I did not open these accounts, THEY ARE CLOSED ACCOUNTS that match the attached identity theft report included. Please see attached supporting documents and affidavit. 
I am demanding deletion of the accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Thank you, 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am XXXX XXXX XXXX and I know that is my problem. I went to the XXXX XXXX Store to pay my card like I have every time I make any purchases from them. I use to get statements telling me what I owe, but the lady said they don't do that any more. So when I bought my cosmetics in XXXX, I need more fragrance and my face crme. {$230.00} I was going to pay cash but the girl told me I get a discount if I use my card. I know I had the Diamonds card because I always buy my cosmetics here, the lady looked up my information and up it on my now XXXX XXXX card. They changed names again. So, I go back to the store in XXXX with my son, XXXX XXXX XXXX, and while I am there I make a payment, lady says balance due is {$29.00} but I know I bought my cosmetics so I make the payment for {$40.00}. I go back in XXXX, daughter 's birthday, while I am there I asked the lady for my balance so I can pay it off. The tells me the balance is {$300.00}, I asked why it was so high and she said she could not tell. I'd have to check my statement. I asked how to do that and she said online. Okay, I have email, haven't received a statement from XXXX 's so I think, I'm old, maybe I missed it. I paid the balance of {$300.00}. In XXXX I get notice that my credit scored dropped because XXXX 's closed my credit card, I was 60 day late for a {$7.00} balance. My credit score went from XXXX to XXXX. This is a big problem. I still do not know how a {$230.00} purchase turns into {$300.00} + {$40.00} in two months time. And when you pay what they tell you, only to have to owe more. I can't guess my account balance. I tried to call them and the customer service people said the cards closed and that's, that. I disputed with the Credit Reports and they said XXXX XXXX is right. The information on my Credit report is not right. The have me paying in XX/XX/2020, nothing was open in XXXX of 2020 and I sure the XXXX wasn't out Shopping in the middle of the Pandemic. I may be old, but I know where my money goes. Can you 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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2021 I discover that PNC has literally suspended all access to my present account in retaliation no just cause, simply due, for my lodging past complaints about my online account access being denied. 

To date I have no access to my account at all, I cant make deposit, no access to balances, initially since opening account in XX/XX/2021 I havent had no online access at all. 

The resolution I seek for PNC mistreatment, is all access to my account be immediately restored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I have a checking account from XXXX, that I closed. A credit card payment came out supposedly after the account was closed for XXXX  XXXX I took my money out, closed the account and took my money to another bank, because I was moving and that bank did not have a location where I was moving to. 

So Prosperity bank did not call me about the XXXX $ instead they tacked on charges for funds, for that account and never stopped with the excessive charges. So here I am in XXXX finding out that they let this account charge all the way up to XXXX XXXX Instead of calling me to inform me that I could have just handled the XXXX XXXX 

Now its reporting to XXXX. I need this matter resolved. And I need to see about getting the XXXX $ worth of charges that you allowed to accumulate waived. That is way excessive. I would be happy to pay the initial charges, but not all of those fund charges that you allowed to continue. I need this fixed with prosperity bank and XXXX. And I would like this removed from my XXXX report completely not just showed as paid!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XXXX I noticed my account was overdrawn since it was the weekend the transfer did not go through till Monday so I was charged 74 dollars for being 60 dollars over then on Thursday XXXX XXXX I was charged a sustained overdraft fee of 30 dollars because my direct deposit didn't go through till the XXXX so over 100 dollars in fees. When I called they said they would refund me one fee I noticed they did not and was charged another fee so I called back and was told doesn't matter wat was said my account is not eligible for a fee reversal doesn't matter if the issue wasn't my fault or not this has happened with citizens bank on multiple occasions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

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 2021-12-03 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: FL

Complaint narrative:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

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 2021-12-03 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: FL

Complaint narrative:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
The company is Hunter Warfield they have my balance from an apt complex that I once occupied. XXXX XXXX I had to switch my number from XXXX to now XXXX. The number ending in XXXX SIM card is in a phone I dont use due to it was a daily issue this company calling none stop no end. I place every number they called me from on block. I have over 15 numbers. I have noticed on that phone with XXXX they are still calling everyday more than 2-3 times. They also I had one lady call me and I told her well I dont have it therefore you can not get the payment. She threatened to call my employer etc. she called me 5 times within 30 minutes. Everyone who calls from this company is threatening. I have spoke to three people and each threatened me in some accord if I didnt pay the balance. I advised you cant force me to pay for something I dont have the money to pay. the balance also steady is going up with them. It was placed on my credit report with a 5 thousand dollar and something balance but as of today the balance sets at 6695.00. This delinquent should be falling off at end of 2022. I am reporting this company because of the harassing tactics they use and if threatening consumers isnt part of the job qualifications then they have people who take it to the extreme. I am diagnosed with XXXX and XXXX and those calls makes me have mental episodes thinking something is going to happen to me etc because of the threat I receive on the other side of phone. Something need to be done with this company. Their calls are monitored and recorded per what they say and I know they should have something that shows they called XXXX far too many times. How and can I file a suit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
During the pandemic our financial situation greatly changed. I contacted PNC Bank on XX/XX/2021 through their messenger function. When the XXXX payment hit our account for the child tax credit the XXXX added funds to allow it to credit the entire amount, and then there was a ton of confusion that caused unnecessary overdraft fees. They would only reimburse partial of the overdraft fees. 
They have continued to charge over draft fees during the pandemic practically stealing our money. They told us that they would not refund any future issues. Taking from someone who is already negative just because of how a check hits ( dates via mail ) is absolutely unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I have received a credit card I never applied for and they even spelled my name wrong but it still shows up under me as if I applied for it and is activated

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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have been using the exchange gemini for YEARS now and today i randomly when to log in and it says that my account is frozen and they have deactivated it. For no reason or warning i have over XXXX USD in my wallet in that exchange and now they are restricting me from selling or withdrawing. I just want. To be able to use my account freely. I do not understand why they would do this to any account never mind such a large account randomly.. this is a terrible company i dont know what good they get out of this unless they are trying to steal my funds. I submitted the following info they asked me to Your entire face - Your ID that was used to register with Gemini. This was either a passport or Drivers License. 
- A hand-written note that states the current date and says [ XXXX ] underneath

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX - I called to inform Discover that there are new pending unauthorized charges XXXX - I was denied the right to pay the balance in full, Discover representatives say they can't take a payment due to the fraud activity If I don't pay the balance in full on XXXX XXXX will report my current balance to the reporting agencies and my XXXX will be negatively affected, I do not carry balances past the 30 day cycle periods which, for XXXX, occur the XXXX day of each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have never taken out a loan for Affirm Inc for {$1100.00}. The XXXX loan accounts numbers are XXXX and XXXX. The two amounts were {$350.00} and {$790.00} for the loan Affirm said that I take out for Home Advisor. I have no relationship with Home Advisor and yet I am made to pay for a loan that I did not make or have no knowledge of. 
I would like for XXXX to remove this loan and late payment on my account since it is hurting my credit score. The dates that my account was open was XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX and my ability to get approved.

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 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Account number XXXX  Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OR

Complaint narrative:
I changed banks and therefore, checking accounts. My new bank provided 2 checking account numbers for the same account. One ended in an XXXX, the other a XXXX. When apparently one did not go through and Discover charges a XXXX man, at XXXX, {$29.00}. XXXX XXXX stopped charging overdraft fees all together, why can't Discover be more like XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are in Utah, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX 
I used their secure messages and the chat feature, I asked for arbitration information per the customer agreement, but have received no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a bankruptcy being reported on all 3 credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX  XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving

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 2021-12-03 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My best buy Citi visa had fraudulent charges made to it on XX/XX/XXXX in XX/XX/XXXX. I was contacted by Citibank Best buy regarding the fraud activity on XX/XX/XXXX. I worked with a best buy citibak XXXX  on that date to identify the fraudulent charges. 

It is now XX/XX/XXXX I have filed a separate police report about the issue. Citibank Best buy has no record of my fraudulent report from XX/XX/XXXX made with their rep. The fraudulent charges remain on my account without the ability to dispute them. I was able to get a shipping address from one of the merchants that I included in my police report. 

The merchants themselves were able to identify that the charges were fraudulent in some of the cases and reversed the transactions Because of inconsistencies in the IP addresses and the shipping addresses or something. 

I basically filing this report because I have already gone through the fraud dispute process with XXXX XXXX  Best buy Citibank and they have no record of it I contacted them again today on XX/XX/XXXX, but I now have extreme distrust in the process and just want to make sure that I'm not getting screwed over in the scenario.

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