vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/XXXX I contacted Citi after getting a promotional offer in the mail. The offer was either for 16.25 or 16.99 and up to 24 or 25 percent. I asked the gentlemen on the phone many questions about the card but the first and foremost question was about the rate I would receive on the card. He assured me 16.99 % would be my rate, and I was still surprised because I still don't have any other credit card at that high of a rate. ( I have or had very good credit ) After this conversation he played me a recorded message from which I would listen and agree to the terms. I assure you that no where in that recording was there anything saying that my terms would be over 20 %, much less 23.74 %. 
When I called them and reported that I found my interest rate in the middle of the 3rd page of my bill, that it was 7 percentage points over what I had agreed to, and that I would not activate this card, they told me that they would " investigate '' what had happened. 
My concern is that this card will eventually get cancelled by Citi for non-use, and that for whatever ridiculous reason, that severely impacts my credit score. I know this because just this year I had 2 credit cards I refused to use get cancelled on me, not knowing that ... .Even Though I Was Never Late With a Payment, and I Owed Nothing On Their Cards ... .my score was brutally beaten down over 100 credit rating points. It nearly affected an apartment I was trying to get, and it will affect so much more in my life!!! Even though my credit rating should be very very good, if not near perfection. 
I called Citi 9 days later because I received another email from them to " activate '' my card. I repeated why I would not and that all I want is for Citi to close this account without hurting my credit, or ... .give me the rate I was promised on the phone. 
I asked for them to heighten my case and then spoke with a " supervisor '', and was offered a compromise rate at 20 %. I said no, and that if I didn't hear anything better from their " investigation '', I would have to report their practices to my State 's Attorney General. From them I received the CFPB address. 
To date, I have received nothing from Citi, until yesterday when I received another email, this time that Citi has " auto-enrolled me to receive upcoming payment alerts ''. 
Please help me. Citi is trying to railroad me into a bogus credit card agreement with a " Bait and Switch '' scheme over the phone. 
To my knowledge, " Bait and Switch '' has long been illegal. Please help me and please stop Citi from hurting my credit along with other unwary consumers. 
Thank You for any help you can provide. 
Sincerely, Xxxxx Xxxxxxx

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 2019-08-10 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: NY

Complaint narrative:
Identity theft victim

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 2019-08-10 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: IL

Complaint narrative:
After reviewing my credit report I notices several fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: IL

Complaint narrative:
After reviewing my credit report I notices several fraudulent accounts.

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 2019-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reported as late. After 15 years with this company with no problems, they have returned my payments and reported me as late. I contacted the company last month and the representative took my money to make me current. This was although she did not understand the data. This month again XXXX returned my payments with no explanation. Evidently the left hand does not know what the right hand is doing. I will again contact them on the next business day to try to resolve the situation. 
I have received numerous reports with differing amounts. Also I have received coupons with different amounts than on the statements.

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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-10 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: KS

Complaint narrative:
I went to the TransUnion website to start a dispute with some discrepancies on my TransUnion credit report. For TransUnion, I had to make an act first, which seems odd for a personal dispute, logged into TransUnion to start, and then I wasn't able to press any edit buttons or any Dispute item buttons as TransUnion had stated. There are NO options of the such on the TransUnion website, they list a step by step on how to start a dispute and but it doesnt work - the steps just dont exist. I cant email TransUnion and each time I call them, they arent taking calls and the line hangs up. This very frustrating for this is messing my credit score and credit lines up. I dont know what to do. Please help amend this situation. This is a very dangerous game they are playing.

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 2019-08-10 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavitis to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On Thursday XX/XX/XXXX, I started an interaction with a woman on XXXX named XXXX XXXX. My intentions were to purchase some concert tickets she was selling for a show that was the same night. I got proof of purchase and decided to use pay pal in case she was scamming me. Turns out she needed the money as soon as possible but the funds were unavailable to her immediately. It said they should be in her account by XX/XX/XXXX. We went back and forth after I had already sent her {$80.00} and she never sent me the tickets and proceeded to block me from XXXX. All of our messages are now partially unavailable because her account was deleted. I will include the messages I sent her but it will sound a little confusing because you cant see her responses. If she hasnt received these funds, I would REALLY appreciate a refund if thats at all possible. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I applied for a credit builder loan from MoneyLion. On their website it states that no credit is required and this will not affect your credit however it resulted in a hard inquiry which lowered my score. I took a screen shot of their website as proof. I just want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: AZ

Complaint narrative:
I had a {$25.00} a month XXXX XXXX payment being deducted automatically from my Social Security XXXX. In XXXX of XXXX I got a letter from NYS XXXX XXXX   Processing stating that my child support was in arrears. I immediately contacted them via their website and stated that there must be an error as my child support was automatically deducted from my S.S. XXXX for a long time. I sent a copy of the Social Security Document to prove the deduction. XXXX XXXX then ordered Social Security to deduct {$37.00} from my account because of the arrears, which they did for a number of months. I was still getting threatening arrears notices and even a threat to have my Driver 's License suspended for non-payment of child support. I continued to make contact with the office in XXXX XXXX, NY, Ms. XXXX, to get the error corrected. This went on for months and finally in XXXX of XXXX XXXX XXXX Processing found out that they misplaced the funds. Eventually the {$87.00} overage that they took from me was sent back to me at my request. I had asked way back in XXXX to make sure my credit report was not affected by their errors and to correct everything. They never corrected the credit reporting. On XX/XX/XXXX I was reviewing my XXXX and Transunion credit reports and saw that the account was closed with a " Paid Collections '' status and had that it was in collections in XXXX of XXXX. I contacted Transunion and XXXX to get this corrected. Both companies stated that the reporting was accurate and did not take the " Collections " status off of the report from XXXX of XXXX. I contacted MsXXXX XXXX with XXXX County XXXX XXXX Enforcement via the same string of e-mails used to document the history to get this corrected and she still has not gotten back to me via phone nor email.

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian - I can not reach a human to discuss the status of a fraud alert. I sent my personal identifying information after failing to answer security questions correctly due to INCORRECT information in my file. I have a student loan pending where I am the cosigner and find it so wrong to not allow us to speak with a customer service rep. In addition, I have tried many times to upload my identifying information and I receive this message - no length of time elapsed - it just won't work : " Either there was no activity for an extended period of time or you do not have an active session and the page has expired. We have discarded any documents you were in the process of uploading. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas 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 2019-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX and Equifax continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, This is a complaint after I tried to reach Transunion and placed a fraud alert on my credit i found much activity on my credit from XX/XX/2019 to XX/XX/2019 and i didn't notify or applied for anything, see much Unautorized inquiry left on my credit

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 2019-08-10 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: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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:
Contacted the companies listed on my credit report as hard inquires and was told that they work with several mortgage companies whereby mortgage brokers have the ability to access credit reports and do not have any documentation that I authorized the hard inquiries or to demonstrate that the inquiries was not done in error. The companies are as follows : XXXX XXXX via XXXX XXXX XXXX XXXX  Mortgage via XXXX XXXX XXXX XXXX XXXX via 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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have faced an issue with Experian Report got fraud and hacked, there is Unautorized HArd inquiry has left on, and i trying to reach Experian to dispute these activities on my credit all this activity i didn't apply for any related with this below XXXX XXXX XXXX. XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 - XXXX XX/XX/2019 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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NC

Complaint narrative:
I called the Customer Service number printed on the card and only got a recording " the service is experiencing extremely heavy call volume ; please try calling back at a later time. '' Direct Express ( USDirectExpress.com ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of fraud while trying to purchase concert tickets in the cost of $ XXXX.Chase said they had  no protections over this. I made the transaction with their service and they should not just sit by not assist when their customers use their banks services to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
XXXX, Transunion and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

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 2019-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX  and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

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