vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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:
Due to me being a victim of XXXX XXXX .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my Experian XXXX XXXX  XXXX and XXXX credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Experian, XXXX, and XXXX credit report due to my identity been 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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I have another identity theft situation American Express blue bird refuses to close an unknown account. I have been non stop receiving emails, notifications from American Express blue bird. So these fraudsters open accounts using my personal information. Then the real person calls in says they do not recognize activities or account, do not I repeat I said never created an account never created an account, are they going to do anything by recognizing that I am saying never created account. But American Express blue bird is very flat, will not do anything by providing to authorities never created. Just because I said I am able to identify myself as XXXX XXXX. Let me get something straight someone has my personal information. Uses, creates accounts in my name, then in turn I call in to report,, because I am able to say who I am because this person has my identity. Companies hold me responsible for this person creating this account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have unauthorized inquiries and a late payment I disagree with and a collection account I believe that is not mine

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 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This debt shows up as National Credit system in reference to XXXXXXXX XXXX XXXX. 
The alleged amount is {$590.00}. We contacted the Apartment building and they have no record of it. Contacted the prior property company XXXX and they have no record of it. 
Contacted National Credit System at XXXX and at first gave the account number listed on my credit report and my social security number was transfered to a XXXX XXXX voice mail. 
I have not received a return call yet. I have also written dispute letters to all three credit bureaus to have it removed since it seems like a fraudulent charge since no one knows anything about it. 
Please assist me in anyway you can to get this remedied. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone open a capital one credit card using my personal identity information in XX/XX/2016 the credit limit amount were Total of {$3000.00} They also open many other bank cards and bank accountS under my name using my identity online. I became aware of everything until one day I got a fraud alert from my bank stated to verify my identity after someone made an attempt to use my bank card for {$750.00} I immediately call the bank and got my card cancel. I went into my bank the very next day to find out the imposters stole several XXXX of dollars making fake checks under my bank account. That day was like the most violated day in my life to known someone who is not you is pretend to be you while benefiting from it. Now this is not just XXXX case after I became aware of my bank I decided to look into my credit profile and this is where I find out a few cards that were open under my name and many inquiries on my credit profile. I begin to call those companies to discuss what had happen to me and begin to clear my name and believe me I am still fighting until this day I am still fighting to clear my name and get back my identity this report is for those company whos allowing these crooks to get away with stolen identity and refuse to help their victims. I am reporting capital one company the only company who till this day do not want to remove their fraudulent card off my credit profile despite being a member of their product to rebuilt my life and credit all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempted to extend myself a credit card through XXXX XXXX followed by American Express. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXXXXXX XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
2 letters to the Comptroller of the Currency 2 letters to the President of the Bank of America 2 letters each to Senators XXXX and XXXX dozens of emails and telephone calls to XXXX XXXX and XXXX XXXX of the Bank of America In each explaining that because of the novel coronavirus pandemic we as senior citizens of advancing age with serious medical conditions can not work. That in fact XXXX XXXX had to quit her job of XXXX  years because we are in the HIGH RISK category of catching the novel coronavirus No reply from the President of the Bank of America! 

Today we received a telephone call from an employee of the Bank of America from Florida. He denied our many times repeated request to reduce our monthly car loan payments to {$500.00}! He threatened to repossessing our car! He threatened to take us to court. 

Earlier today we received a letter from the Bank of America in which it demanded that we pay the amounts on the car loan that we have not paid and threatened to take us to court and to repossessing our car. 

This after all our many communications concerning the novel coronavirus as set forth above. 

The Bank of America is being brutally cruel to us, totally and completely unsympathetic and empathetic and unconcerned! 

Nor are we talking about {>= $1,000,000}! We are talking about the difference between the original monthly payment of {$770.00} and {$500.00}! And to think that the Bank of America won't bend an inch, won't budge even one penny!

Outrageous, appalling, an abomination! 

Hollywood could not make this stuff up! Nor could Shakespeare have done so either!

The people in the Bank of America one of the wealthiest and largest banks in the USA are brutally cruel to us who refuse to help us out at this most dire time in the history of our beloved country! 

The Bank of America has tens of thousands of employees but no one has the moral integrity and decency to answer us and say yes, {$500.00} per month on the car loan! 

Obscene! 

We are co-signers on the car loan! 

Their conduct is almost criminal in nature! And certainly it is quasi criminal!

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 2020-12-16 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: CO

Complaint narrative:
Franklin Collection Agency has placed a debt on my account, for money I do now owe, to XXXX XXXX XXXX. 
Initially, I called Franklin on XX/XX/2020 at XXXX and spoke with XXXX. I gave her the correct spelling of my name XXXX, XXXX. She did not have anything with the spelling of my name! Next, she asked for my phone number, XXXX XXXX XXXX. Again, nothing came up with my phone number! She asked for my social security number, which I refused to give. Not an appropriate question from what could be a scam. Further, I have read that there are numerous complaints about this company, targeting people saying they owe money for an XXXX XXXX XXXX bill, that they do not owe! 
I called XXXX today and they said to call Franklin Collection, ( which I did again, today ), and ask for a document showing, that they have my correct information. I spoke with XXXX at XXXX XXXX, who refused to provide any documentation. Additionally, she refused to look up my name. 
Franklin collection has numerous complaints and needs to be investigated. Further, I need to have this false claim removed from XXXX. XXXX removed it, but XXXX  said that they need a document from Franklin, that they are refusing to provide. 
Please help clear my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHase bank closed my debit/checking account i went to the branch had numerous conversations on the phone they requested 37 paystubs from my employer which were provided the account is being investigated and that can take a long time but i was told it was closed and given a number to call the wait is impossible it has been a year they are witholding my pay from my employer please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This company has the worst consumer service! 

First Target sent a letter to me on XX/XX/2020, and then reponed to the CFPB XXXX XXXX. XXXX on XX/XX/2020. 

On XX/XX/2020, I called target and asked for a fax number I spoke to XXXX and XXXX. The fax number I was giving XXXX. 

Today XX/XX/2020, Call XXXX XXXX XXXX to check on the fax that I sent. On XX/XX/XXXX, XXXX from fax number XXXX. I called got the first rep and the was transfer to XXXX ID XXXX. This is not a good representative for the XXXX XXXX. I would suggest that someone who has more authority look into this situation. This can not be how someone conducts business. All I wanted to do is check on the fax that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
on XXXX XX/XX/2020 I filed a dispute with CitiBank concerning a double charge of {$590.00} The vendor which I was paid {$590.00} for a service verified they were only paid once, not twice. 
CitiBank informed me on XXXX XX/XX/2020 that my dispute was resolved and the wording in their letter was confusing, as they stated " We're pleased to let you know your dispute has been resolved '' Only in XXXX, did I realize my dispute was not resolved. 
I wrote a letter to CitiBank with my concerns. 
I contacted the vendor, re-confirmed they were only paid once and they stated they were NOT contacted by CitiBank. 
CitiBank stated that the charge was valid, which was not my dispute, but that I was double charged, what should have been a single {$590.00} charge was actually two {$590.00} charges. 
CitiBank has claimed I waited too long to respond, my delay was based on a misleading letter from CitiBank and waiting till I received the next statement after the correspondence from CitiBank. 
I believe CitiBank made an error in the double charge, they did not conduct a proper investigation of the my dispute and their communication has been unclear.

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a business checking account XXXX at the XXXX NY office of Citibank. The account came with the promotional offer of {$700.00} after keeping at least {$25000.00} in the account for three months. I did keep the required balance but the bonus has never posted to my account. First I received a letter in mail from Citibank saying that I qualified for the bonus but Citibank claimed they did not have my tax information. I went to the XXXX XXXX branch and banker XXXX XXXX XXXX filed the tax form that I completed. No bonus yet. I asked XXXX to check the status. He received no answer and filed the form one more time. Then I received the tax form in the mail from the Citibank office in XXXX XXXX, MO which I completed and sent back to Citibank. After several phone calls to Citi Customer Service I was told that they received my form. Still no bonus. XXXX sent the tax form at least four times and I called the customer service at least three times. Both XXXX and I have no more avenues to proceed with the request.

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 2020-12-16 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: DFC Global Corp.
State: ID

Complaint narrative:
I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* Money mart XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 *XXXX XXXX XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2020 Elan Financial reported a late payment on my credit. XXXX credit card services switched banks and Elan financial took me off auto pay when they took over. They called me 33 days after my payment was due and I immediately paid it. They even took off the late fee and assured me it wouldnt be a problem. They also mentioned with Covid-19 they had some deferred payment options. When it hits my credit they tell me sorry you were late. Not taking into account they took me off auto pay. Their response was we mailed you a letter even though I have relied on autopay for 6 years! Not fair

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is managing everything and not releasing information. XXXXXX/XX/XXXX is on the leash with PayPal. There is no separation between the two. No phone calls are returned to me. Everyone is reclining on information. The purchased of the bike is XXXX it is the wrong size, it is the wrong color. I'm XXXX ' XXXX '' .. I got a bike for a XXXX ' XXXX '' person and Im not going to make a mistake like that. By PayPal return policy it's an automatic refund. A return label ( PayPal ) was given by merchant an it was not recognized by XXXX what I called XXXX. I know PayPal has been the merchant all the way. PayPal did not issue me an ( knowingly ) order ID number either needed by XXXX. After 14 days PayPal comes with a settlement of {$30.00} to ship the package. That to me is " extortion. '' I've been battling 40 hours on this issue for 2 weeks. Consider someone's time please. Still the bank refuses to issue refund. Immediate firing of the bank personnel shall be imminent. XX/XX/XXXX so calls " general department '' the claim center. And no one can talk to a claim center representative. Also the removal of PayPal employees should be considered. No joke they have hired " grammar School employees '. I do not believe XX/XX/XXXX employees do not have a high school education. I would like an immediate refund. This has been a laughing matter. This is a humiliation at a bank level and at a federal level. I was a process server and retired. I had a money market from the XXXX XXXX XXXX. And yes I am a member of the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In my entire ( way too long ) life, I have never encountered a bank in any country, on any continent as pathetically inept and XX/XX/XXXX as the decrepit thing that is called CITIZENS BANK, N.A, the one located in XXXX, RI. 

Does the CFPB know that in, almost the second quarter of the 21st century, the only way to contact this XX/XX/XXXXdefectives is BY TELEPHONE! NO EMAIL, NO FAX, NO NOTHING BUT PHONE!! My XX/XX/XXXX has forbidden me to speak with call centers because it is deleterious to my health. Heres proof!

Phoning gets the customer to cubicles of bogus CSRs in 3rd-world countries, e.g., XXXX, XXXX XXXX, etc. where NO ONE ( and I mean NO ONE ) speaks or understands any form of English that I was taught as my first language from birth. And when I scream repeatedly, " I DON '' T UNDERSTAND A WORD YOU ARE SAYING!! I WANT SOMEONE WHO SPEAKS INTELLIGIBLE ENGLISH!!! ", the answer is ALWAYS : " I speak English! '' Well, how shall I put this? Go XX/XX/XXXXyourself, you useless XX/XX/XXXX! If I can not understand you, then you do NOT SPEAK ENGLISH. This is what the shysters in the C suites of this prolapse bank think is how to treat customers. In the past 3 months, I have closed a credit card account ( with a $ XXXX credit line ) and now a ludicrous checking account with a balance of ... XX/XX/XXXX XX/XX/XXXX US dollars XXXX 

And it took me XXXXXX/XX/XXXX calls XXXX XXXX XX/XX/XXXX XX/XX/XXXXto finally reach another XX/XX/XXXX in the USA. The first 3rd world XXXX with XXXX leakage ( an alleged manager who is only qualified to lick my XX/XX/XXXX) told me there was no such account with the account number I gave him. Really,XX/XX/XXXX How come the fist-bottom XX/XX/XXXXin the US could find it with no trouble? Why? Because you are a genetically defective mutant whose entire race escaped XXXX and should be extinct. But rather than extinction, these citz bank XX/XX/XXXXPAY YOU A SALARY because they believe that, not only will you SOLVE PROBLEMS, but also engender customer retention. Chew on my XXXX, XX/XX/XXXX! 

The lyingXX/XX/XXXX in the US whom I interacted with on XX/XX/20 my 16th XX/XX/XXXX phone call told me he had closed my account ( he may have had a human name, but who gives a XX/XX/XXXX what it was? ), gave me a confirmation number [ XXXX ] that he no doubt fabricated out of his XXXX, and told me I would receive the {$6.00} balance in my account by check mailed to the address on file that he confirmed. Lying XX/XX/XXXX. 

Never have received anything. Never will. I would relinquish my XX/XX/XXXX XXXX XXXX if this company and every XXXX who is employed by it would implode. 

That's worth XXXX XX/XX/XXXX dollar any day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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