vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$24000.00} 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 2020-08-03 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner is reporting an erroneous debt on my credit file that I do not owe. This is for an insurance company that I switched out of but called and paid in full before doing so I called directly to the original creditor to pay the balance and I was under the impression that I took care of it. There shouldn't be a balance and this account should of never gone to collections. I was never made of aware of a balance. I never received calls, letters, or collection notices which is a violation of my 30 day right to dispute for this account that shouldn't even be in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Iam trying to connect my pnc bank with my XXXX XXXX & XXXX but its saying it wont connect due to changes with pnc prevents you from linking accounts .. my Name Is XXXX XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank Delaware says I opened a credit card with them on XX/XX/XXXX which I never opened. Records on my credit report show the card was never used so it was a XXXX balance every month until XX/XX/XXXX when a charged or fee showed up at {$89.00} dollars with a {$27.00} payment which I never paid??? This shows some payments which I never made then in XX/XX/XXXX it shows a XXXX balance. This is FRAUD

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
Dispute Tracking ID XXXX On XX/XX/2020, I transferred {$1200.00} from my Go Program Card ( issued by XXXXXXXX XXXX ) to my checking account. At the time of the transfer, the name of my bank XXXX XXXX XXXX with the below listed banking information : Account Number : XXXX Routing Number : XXXX On XX/XX/2020, the bank changed names to Georgias Own with the following new banking information : Account Number : XXXX Routing Number : XXXX This {$1200.00} transfer never made it into my account ( please refer to enclosed letter from my bank, the confirmation number and my transaction history ). 

I am making a complaint because I have sustained a {$1200.00} loss. Per several phone conversations with Go Program Card Personnel ( EPPICARD Payment Processing Service Customer Account Services ) I have been informed that we can see it in XXXX XXXX XXXX but I have not been given any proof. Additionally, I am requested that the transfer be reversed, canceled or refunded because I can not accept the fact that I am just simply out {$1200.00}. There must be a way to recover my money. 
All your help is greatly appreciated and I will be waiting for a telephone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Paid car off in full on XX/XX/20 Have called finance company 12 times. Local car dealership called finance company on my behalf. Lady at the local department of motor vehicle has called the finance company on my behalf. I was promised the title would be mailed. I was told I could get a copy at my local DMV. I was told I would get the title by fax. I have emailed the finance company twice to complain about lack of customer service. Each time after a whole week of waiting I was told they could not help me by email and I should call the same customer service that I was complaining about. The new owner can not register the car in her own name because lien has not been released. No one at the finance company knows why it's not been released. On Friday around noon the lady at DMV was told it would be escalated and released in 2 hours. It's Monday around noon and it's not released yet. My paperwork all says Kia Motor Finance but the lien shows Hyundai Motor Finance.

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 2020-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have had a credit card with Bank of America for years. I have made many many phone calls and downloaded their app ( which I did not want to do but thought it was the only way to resolve disputes ). I have never been able to speak to an actual person and I have never been able to resolve any disputes with them. I am charged late fees when I am not late. But I'm never able to speak with a person. It's fraud. My payments are due on the XXXX of every month. On XXXX XXXX of XXXX I made over the minimum payment to Bank of America but was still charged a late fee on XXXX XXXX statement. I am always charged a late fee no matter when I pay. I can't communicate with anyone about it. I've tried the app, chatting, calling ... no one. I have statements to show this combined with bank withdraws from bank of america. I do not understand when I need to pay to avoid a late fee. I am also then charged an interest fee - to clarify that i'm not confusing fees. 

Now I would like to cancel my account, the current wait time is 3 hours and in the past even hours of waiting no one answers. I am unable to cancel online. I am in a nightmare relationship with this company and I just want to close my account. I have to repeatedly give my SSN, which is highly uncomfortable given that amount data breaches occurring. I am not able to report my card lost or stolen. Nightmare company. I can not believe that their practices are allowed to continue. I also have many screenshots to support these claims. 

Attached documentation is one example of Bank of America 's practices. I have and can locate more examples of fraudulent behavior. However, this is very time consuming.

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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an 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 online and made an account with XXXX XXXXXXXX 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 XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have submitted a letter from XXXX XXXX requesting that all three credit bureaus correct the information reporting delinquent and late payments. I have attached a letter from XXXX XXXX stating that the 60 days reporting late should be updated to to paid on time. Credit bureaus have failed to update my report which is affecting my credit score tremendously. 

I have attached all supporting documents for reference. You can also reach out to Ms. XXXX from XXXX XXXX XXXX or XXXX for additional information. MY old CFBP complaint is XXXX. 

Thank 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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an 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 online 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 XXXX XXXX {$1600.00}

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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an 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 online 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 XXXX XXXX {$1600.00}

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Hello, Ive disputed my mid oregon credit card payment history with transunion twice. I have perfect payment history on that card which has been confirmed with the bank but transunion shows a late payment. Both times transunion has fixed it when I dispute it but then it comes right back the following month. Ive now disputed it a third time which is ridiculous. Please take whatever action you can against transunion and their poor record of properly resolving this dispute.

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 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
XX/XX/XXXX 1. What is my complaint? My complaint is with Wakefield & Associates. 

2. Here is an explanation of what type of problems I am having, what happened, what company is the complaint about and who is involved. 
Attached is one page of my XXXX report regarding Wakefield of XX/XX/XXXX. Attached is a letter from XXXX XXXX dated XX/XX/XXXX stating this account is paid in full. The attached XXXX XXXX statement is the original amt but Wakefield increased every year up to XXXX. In fact we got several calls telling us to call them. Each time they call they increase the interest year. They all harass XXXX leaving nasty messages on my cell. 

Another account they say XXXX owes is XXXX  XXXX. Attached is XXXX explanation of benefits page and the statement of physicians statement dated XX/XX/XXXX, and an email regarding of the XXXX  amount. 

My wife and I spoke to them about this letter, and mailed them a copy of this letter. They said they will let XXXX know if they agree ; we have not heard from them. XXXX wants this removed from his XXXX  report immediately. Wakefield is also on XXXX XXXX  report. The XXXX  report attached is dated XXXX ; we havent received XXXX report yet. 

Attached is IRS 1095-B Health Coverage showing XXXX had full 12 month coverage for XXXX. 

3. Wakefield collection regarding XXXX  XXXX  XXXX amount {$670.00}. We called this agency they informed XXXX there is no account for XXXX. As you can see Wakefield shows on XXXX  report ( attached XXXX XXXX owes {$670.00}. XXXX is now named XXXX XXXX XXXX XXXX XXXX Theyre number is XXXX. 
Please let us know if you need more information. 

XXXX and I can be reached at XXXX. Our home address is XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC is not allowing XXXX, an intermediary that allows people to connect their bank accounts to other services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
TD Bank via their hired law firm, XXXX XXXX XXXX, refuses to negotiate in a remaining balance of a debt incurred by an estranged spouse. 

Reps from the law firm has suggested my credit will remain damaged and are attempting to continue to collect interest as opposed to accepting a fair and complete settlement offer. 

Further it should not be legal for them to not disclose who owns this debt. Is it TD Bank? Is it XXXX XXXX XXXX? I have no idea who has bought or sold this debt and who owns it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER FINANCIAL SERVICES IS MAKING ME LIABLE FOR CHARGES THAT WERE COMMITTED BY MY ROOMATE IN MY ABSENCE. I WAS NOT IN THE COUNTRY AT THE MOMENT WHEN THE CHARGES WERE MADE. I PROVIDED DISCOVER SUBSTANTIAL EVIDENCE TO PROVE THAT THE DEBT DOES NOT BELONG TO ME AND INDEED IT WAS DONE BY MY ROOMMATE AGAINST MY WILL OR ALLOWANCES. FOR THESE REPORTS I SWORE UNDER OATH THAT THE FORGOING IS CORRECT OR I CAN FACE CRIMINAL CHARGES. I WOULD NEVER LIE AND RISK MY PROFESSIONAL CAREER OVER BAD CREDIT OR FRAUD CREDIT CARD ACCOUNT. HAVING BAD CREDIT IS MUCH BETTER THAN BEING AN CRIMINAL AND NOT BEING ABLE TO WORK. AGAIN DISCOVER NEVER OBLIGED THAT MY DEBT WAS NOT DUE TO ME AND MY ROOMMATE HAS BEEN USING MY CARD FRAUDULENTLY FROM XXXX TO XX/XX/XXXX. 
I HAVE SEND DISCOVER FINANCIAL SERVICES NUMEROUS IDENTITY THEFT REPORTS, POLICE REPORTS AND EVERY-TIME I RECEIVE AN VAGUE RESPONSE THAT THE EVIDENCE IS NOT SUFFICIENT AND THEY REQUIRE MORE TO HELP ME WITH THE CASE. 
IN THE BEGINNING OF XXXX I FAXED OVER DISCOVER FINANCIAL SERVICES AN UPDATED POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ALSO CALLED DISOVER FRAUD PROTECTION SERVICES AT XXXX. I WAS TOLD I WILL BE CONTACTED BY THE FRAUD INVESTIGATOR.I WAITED 2 WEEKS FOR THE REPORT TO BE UPDATED AND NOTHING OCCURRED. SO I CALLED BACK ON XX/XX/XXXX TO CONFIRM IF THEY HAVE RECEIVED THE NEW POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ARREST REPORT BECAUSE MY ROOMATE WAS ARRESTED ON CRIMINAL CHARGES. AGAIN DISCOVER SAID THEY HAVE NOT RECIEVED THE FAXED DOCUMENTS, FOR WHICH I HAVE CONFIRMATION THAT IT WAS SENT TO THE RIGHT PHONE NUMBER. I FEEL LIKE DISCOVER FINANCIAL SERVICES IS BEING MANIPULATIVE AND NOT TRYING TO HELP. THIS IS CORPORATE GREED AND MAKING CUSTOMERS PAY EVEN THOUGH THEY HAVE BEEN VICTIM OF FRAUD. I SPOKE TO XXXX LAST TIME AND WAS TOLD TO FAX THE DOCUMENTS AGAIN, I TOLD HER " I DONT HAVE MONEY LEFT TO KEEP SENDING DOCUMENTS '' it does COST {$2.00} PER PAGE. 

DEAR FTC PLEASE HELP ME WITH THIS FRAUD CASE, DISCOVER IS NOT BEING COOPERATIVE AND THIER WORKERS ARE BEING MANIPULATIVE AGAINST ME. EVERY TIME I TRIED TO PROVIDE EVIDENCE, IT IS ALWAYS OVERLOOKED. PLEASE HELP ME I CAN NOT PAY FOR THIS FRAUD ACCOUNT, MY ROOMATE MADE THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hi, I just tried to link my bank account to XXXX payment services used by my building for making rent payments, and it said the bank ( PNC ) has made changes that prevents doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
hello, and how are you? There is no way that these companies investigated this insurance or utility collection on my credit report. The same information continues to report on my credit. I honestly don't believe I owed this or original company any money and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last original company. How is that possible? For example, Each bureau reports that I was late on different dates, each bureau reports different balance, inconsistent with open dates. I thought a collection account is by default late or past due and it can not be reported as such. It's actually illegally re-aging the account and that's a simple violation itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: IN

Complaint narrative:
I make a couple of online purchases with my key2benefits card and then tried to go to the store and it would not work. After this i tried to call to obtain information on why i couldnt access my money anymore the automated system said my card was in an invalid status not directly telling me why it went into an invalid status. I tried to get in contact with a representative multiple times Ive stayed on hold for hours until the music would just die out and no agent would ever pick up the phone. So i have {$1300.00} stuck on my key2benefits prepaid card and no way to contact anyone about getting it off. I called the unemployment customer care number and they tried to help and also give them a call but they Said they received no answer as well and that they had no way of getting it resolved. They also wont let me update my information on there i had a number change and they might have reached out to that but i wouldnt know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

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 2020-08-03 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

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