vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In reviewing my online account with Bank of America credit card services, I noticed my FICO  score had dropped by 5 points based on the explanatory note that I had applied for  credit too recently and it affected my score. I have been in the 820s and above for years and decided to contact XXXX ( which supplies the data to BoA ) to see what recent account was opened that I was unaware of. 

I downloaded my XXXX record and nothing showed so I followed up with a call. They said nothing on my record they could see changed and there had been no recent request for an account opening ; the last one was nine months ago on an account that was paid current, as all my accounts are. Further, this appeared to be a proprietary evaluation independent of XXXX that BoA was using and not a XXXX  specific model. 

BoA does not have a written inquiry resource on their Contact list, only phone in. I tried twice, and after holding twice, was transferred to their credit department and promptly disconnected twice. 

I am unable to find out what account they claim I recently opened, so unable to correct the record and restore my FICO   score to what it should be.

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 2020-05-13 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: GA

Complaint narrative:
This complaint comes forth as I am a victim of Identity theft and I have presented a dispute to Equifax, yet to no avail. Attached you will find the supporting documents to validate my claims. The fraudulent accounts are as follows : XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: CA

Complaint narrative:
My credit card purchase receipt from a vendor ( From : " XXXX XXXX XXXX via Square '' XXXX Date : XXXX XXXX, 2020 at XXXX CDT ) that uses Square was automatically sent by Square to my stepdaughter. My stepdaughter when questioning receipt of a transaction she never made spoke to me. I recognized the transaction as one I had made approximately - 2 hours earlier. My credit card acct. is through a credit union which she has no association with. The credit union has verified her non-association and opened an investigation. The receipt was sent to her email address which I dont even have, she lives out of state and her last name is not the same as mine. This straddles the line between credit card fraud, identity theft and a little illegal data mining thrown in. I have asked Square to explain this or send me a contact email or phone number so I can discuss this with them but have received absolutely no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Westlake Services, LLC
State: WA

Complaint narrative:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the XXXX credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CO

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX respectively, two credit card charges were made by me on my Citibank Costco visa card for the amount of {$680.00} and {$200.00}. Due to COVID-19 and travel restrictions, multiple attempts were made to cancel the booking and obtain a refund. Both hotels agreed to not charge but XXXX was not responding to request for a refund, so credit card dispute was started. 
While the dispute was going on, on XX/XX/XXXX, the XXXX agreed to refund both charges. Keeping that in mind I withdrew my dispute with my credit card, letting the charges for both amounts get posted on my account. 
I got the confirmation for cancellation from XXXX on XX/XX/XXXX for the same. 

On XX/XX/XXXX, XXXX, and XXXX, I received multiple emails from XXXX that the refund was not processed and to call them. After the call, I was sent an email again saying the refund has been processed. This happened for both hotels. All this while the conditional credit was removed from my account and charges were made for XXXX. 
Both refund emails were sent to me again on XX/XX/XXXX for both the charges. 

On XX/XX/XXXX, XXXX sent another letter saying they can not issue the refund, provided me with a chargeback number, and requested I follow up with the bank. 
When I contacted Citibank, they said they can not do anything since I accepted this charge. 
I contacted the XXXX again and they said they had already dispensed XXXX for one the hotel booking and that this charge will have to deal with my bank. For the {$680.00} charge for another reservation, they would need a letter from the bank stating that they are no longer pursuing the dispute, for XXXX to refund. 

I have contacted them every day for the past two weeks and have been transferred from one department to another and have stayed as long as two hours on wait only to be disconnected and start all over again. 

Citibank is not cooperating and providing the service that they are supposed to, nor are they assisting in resolving this issue. It has been frustrating and financially excruciating as I am still being charged for {$880.00} ( XXXX+XXXX ) for services are didn't use and had canceled them within guideline to be eligible for a full refund.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I WAS TRYING TO LINK MY BANK LOGIN WITH XXXX. I WAS HAVING PROBLEM DOING THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a paypal account holder since XXXX. In XXXX, my paypal account was deactivated ( without explanation ), locking me out of my account. 

I have repeatedly to access my account, contact paypal, and have my account unlocked and have since received funds into the account for which paypal will not let me access. 

After more than 10 calls, I was finally transferred to an external party which noted I had 'collections ' on my account in the amount of ~ {$60.00}. The individual at the debt collection firm spent almost 45 minutes on the phone with me trying to understand what my collection was for. I was supposed to be provided evidence of the case, and more than one year later, have still not received any information from the debt collection agency, from paypal, or from any other source. 

I am a XXXX XXXX XXXX and have no clue 1 ) why my account was suspended, 2 ) why it has been on placed for collections, and 3 ) what is being done about the situation. I provided all needed information and requested clarity on why my account was locked and what this was for. 

Unfortunately, more than a year later, paypal will not speak to me, and transfers me ( continually ) to  an outside debt collection agency for charges I have yet to have seen, while simultaneously locking me out of my account with no explanation. 

I have no clue what charges are being referenced and have a perfect FICO score. I can no longer tolerate paypal to lock me out of my financial account with 1 ) no comment on why my account was locked, 2 ) use of a debt collection agency which can not confirm on charges posted, and 3 ) prohibit access to my account and funds. 

I need to access to my account, the funds held within the account, and interest on those funds that have been inaccessible for more than a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from the debt collector, Weltman, Weinberg , & Reis Co., LPA. The letter stated that they were attempting to collect a debt for XXXX XXXX  in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing XXXX XXXX  and the amount owed. I was contacted by Weltman, Weinberg , & Reis Co., LPA on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from Weltman. Weinberg, & Reis in regards to the falsely opened XXXX XXXX   account. On XX/XX/XXXX, I spoke to another representative from Weltman, Weinberg, & Reis and inquired about the identity theft packet because it had  not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by Weltman, Weinberg, & Reis. On XX/XX/XXXX, I received a letter from Weltman, Weinberg , & Reis saying my claim has been deemed invalid. I then called Weltman, Weinberg , & Reis and questioned why it was deemed invalid, to which they refused to give any information. I then contacted XXXX XXXX  to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for XXXX XXXX  and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB Card XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Experian regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report.  Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/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 2020-05-13 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: MI

Complaint narrative:
Closed credit card with Citicard in XXXX, XXXX. Citi keeps billing, sending collection calls to my husbands work phone and sending me emails stating we owe them on a dispute which was resolved back in XXXX, XXXX from merchant XXXX and XXXX. XXXX and XXXX failed to deliver gift basket to my doctor so I disputed their {$60.00} charge with Citi. XXXX and XXXX credited {$60.00} back to Citicards immediately as I saw the transaction online. Now after we closed our account and unable to see transaction, Citi has been harassing us for the disputed amount plus interest and late fees. We have reached out to Citicards at least 5 times now where in the agents see the credited {$60.00} back from XXXX and XXXX, but yet say they cant do anything about it ; its the Dispute Depts job and they will call you back. Nobody from Citicards has ever called back. Now Citi says we owe them {$140.00}!!

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 2020-05-13 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
My card was stolen during a XXXX party on XX/XX/2019. The week on XX/XX/XXXX my employer makes us aware that we all need to check personal belongings because reports of theft were made during the party. I checked noticed 2 card were gone and immediately called the companys XXXX XXXX and Discover. Over about a week span my cards were charged multiple times adding combined to over {$4000.00}. When I contacted XXXX XXXX they cleared all charges noticing there was a spree of shopping. However Discover said its not enough evidence. I called gave them all purchase details, filed a police report giving them all information and also appealed their decision to deny the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has taken over Neiman Marcus credit cards (  many years back ). I reported that I did not receive {$310.00} of merchandise from order # XXXX. I spoke with an NM rep for more than an hour. He said he would remove the fraudulent charges. Instead, THEY DOUBLED THE AMOUNT OF THE CHARGES on my account. I received {$100.00} from this order, and now on my NM account it says I owe {$720.00}. NM used XXXX XXXX to deliver this order, and it appears that they either lost or stole the items. Given that the one box that I received had been ripped open before delivery, I think that might mean that someone was looking for items to steal. Since the item in the box was a pair of jeans, perhaps they thought that would not be as easy to re-sell as items without a size. 
This is pure fraud. FRAUD. I am so sorry to see NM become so corrupt, but I suppose bankruptcy will do that to some companies. I am at a loss as to how to deal with this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
When I contacted IC System Inc requesting debt validation pursuant to The Fair Credit Reporting Act and The Fair Debt Collection Practices act, they refused to validate the debt.

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 2020-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Our Wells Fargo HELOC Renewal Application was declined due to our debt to income ratio. Wells Fargo requires a maximum rate of 45 % and our ratio is 49 % .There are 3 issues : First, Wells Fargo did not include the dollars we have saved in our traditional IRA accounts to more accurately compute our income they said because we have never withdrawn any dollars from those accounts. We are both age XXXX and do not plan to withdraw any dollars from our IRA accounts until required to do so based on IRS Minimum Required Distribution Regulations Second, we were also told our Well Fargo Advisors XXXX Account IRA dollars that we have saved although a sizable amount is below the {$1.00} million that Wells Fargo requires to be in a retirement saving account to be included in the income computation. Finally, Wells Fargo informed us that due to federal regulations, they could not provide a lower credit line counter offer for it would not pass the federal Benefit to Borrower Test.When we asked for a copy of the Wells Fargo policies on the above issues, that request was denied claiming confidential, privileged and proprietary information. We feel these policies and practices are unfair and discriminatory especially toward seniors.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a flier in the mail from Chase offering a {$300.00} bonus for opening a checking account. I took them up on the offer and signed up, using my coupon code. The checking account was opened on XX/XX/XXXX ( well before the XX/XX/XXXX offer deadline ). I met all the requirements : open an account, and have direct deposit attached to your account within 90 days of opening it. My direct deposit hit as of XX/XX/XXXX. I never received the {$300.00} bonus. After 90 days, I called Chase on XX/XX/XXXX to check the status. They stated that there was nothing they could do, there was no one I could talk to, and that I should have called them if I didn't see the deposit hit after 21 days. However, this is not listed in the fine print. In fact, the fine print states that the deposit will hit automatically. This is a bait and switch, and false advertising. Chase should be required to honor this commitment and also be prohibited from luring new customers in with cash bonuses when they actively do not honor them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I opened an account with Ally bank online. I sent {$400.00} to fund the account and they cashed the check and locked the account. I called the number they said to call and they switched my to the fraud department. I have tried to call for 3 days and have been on hold for 3 days. I have left 2 messages with no reply. I tried an online chat and they would not help me because my account was locked. You can not get a hold of anyone to fix the problem that there might be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: VA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possibleave

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 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
they tried to collect money that I didn't use and I didn't ask for a credit card

Company response to consumer: Closed with explanation