vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Savings account and Checking account with Citibank for their promotion of {$700.00} bonus per their terms in XX/XX/XXXX. 
Citibank 's XX/XX/XXXX letter ( XXXX ) acknowledged the {$700.00} bonus. 
But Citibank is making the excuse of my accounts was closed on XX/XX/XXXX. 
My accounts were set up by XX/XX/XXXX. 60 days term + 90 days to receive bonus would be XX/XX/XXXX. But till now Citibank has not paid the {$700.00} bonus.

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 monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
I sent a wire transfer from my bank to Binance U.S. on XX/XX/2021 for the amount of {$600.00}. It was never processed, then it 'expired ' and no money was put into my Binance account, AND the money was never returned to my bank. 

IT IS LOST Here is the information I have ... 


Entered Date XX/XX/2021 XXXX XXXX XXXX XXXX Effective Date XX/XX/2021 Receiving Financial Institution XXXX XXXX XXXX Beneficiary Information XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Beneficiary Reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
I used to live at the XXXX XXXX XXXX in XXXX, FL. I was laid off from my position and on unemployment. I tried to work out a payment arrangement with the property management team. 

However, this was not possible I even tried submitted a payment for the rent for the month of XX/XX/XXXX but since it was late and eviction had began it was given back in XX/XX/XXXX and I left the property. I never received an itemized bill of debt remaining all I was told was I owed the balance of rent which then was XXXX because they kept my security deposit which was greater than the balance of rent. Later I learn there were two filings on my credit reports one from Residential Data LLC and one from National Credit Audit. both claiming I owe them {$3600.00} for the same property. I found out these are the same company. XXXX XXXX has been assisting me to get this off of my credit. National Credit Audit was removed from XXXX  and so was Residential Data LLC. 

When looking up First Advantage NCAC # XXXX or National Credit Audit is states it is a creditor I didn't borrow money from them. I have no idea what the account number is this is what is on the credit report. I never received any paperwork outlining the balance due. Years ago I received a blue paper with an amount due of {$3600.00} I didn't even know what the bill was for and when I called they said you owe this money. 

In addition XXXX  removed the Residential Data LLC claim then National Credit Audit now known as First Advantage NCAC came on and every attempt to have it removed has failed. XXXX  keeps stating the company says the record is accurate. I was living in a hotel in XX/XX/XXXX not the XXXX XXXX XXXX. I have no idea how this company came to the amount they are asking for. In addition, XXXX  is not helping. Last year I tried to file but it was impossible to up load documents to the website. I just tried again. I found another discrepancy on my credit when disputing it with XXXX  I was confronted with the same information even when I pointed out it was wrong it didn't matter. I had to go to XXXX XXXX XXXX and show them the item and yes they apologized and it was removed. I can't got to this fake company because they just say " we are right '' without any proof. This is frustrating. 

Since XXXX I have worked hard I was able to rent with the same property owner from XX/XX/XXXX until XX/XX/XXXX often paying my rent before it was due. But that does not matter because this huge unjustified claim has been filed against me. In addition the date is wrong thus it will not simply fall off my credit in XXXX but XXXX on my credit unit XXXX of XXXX. I thought that if the information was wrong it had to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Lending Club Corp
State: NC

Complaint narrative:
I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion. 

First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: VA

Complaint narrative:
I contacted XXXX XXXX as well as their collection agency XXXX. XXXX informed me that XXXX XXXX XXXX closed the account and are no longer attempting to collect on the debt. They were reporting the account as open to Equifax and that was recently disputed and resolved, however, they are reporting a past due amount and payment history which are both violations for a charged off account. I disputed this and they refused to correct the error. I attempted to contact them about the matter and they said that there was nothing that they could do and both collection companies kept giving me the run around. I am asking that this be deleted from my report as it as been reporting inaccurately for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: NV

Complaint narrative:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently checked my XXXX credit report and I seen unauthorized inquiries on it from capital one that I didnt authorized. 
I tried to fix the problem with XXXX but they told me I would have to call Capital One. 


Unauthorized inquiries are : Capital One. XX/XX/2019 Capital One. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My mortgage company paid my property taxes. 
I do not escrow for taxes or insurance. 
During COVID, the tax office was nonresponsive in my attempts to remove my homestead exemption to pay the full tax rate and move my homestead to my primary residence. During that time, my mortgage company paid the tax bill and sent a letter stating it was paid. I called the same day I received the letter and explained the cause, paid the taxes to the mortgage company in full over the phone. They were trying to collect ecrows and escrow overages for taxes. The gentleman i spoke to assured me the payment would allow the to " fix '' the account before my next payment was due. 
This did not happen for 3 months. I called a significant number of times and wrote to them through their electronic messaging system. Each time they gave me non-answers, would NOT accept my payment and kept saying it was in review. They would not accept my payment until I received the last response stating they realized they only charged me for the taxes without the penalties. I had no way of knowing what they needed me to pay without calling and they appeared to have overlooked penalties. I paid the penalty amount to them that same day and they took a few weeks to update my account, then they were able to accept my payments - 3 months payments. I'm furious as to how this could happen. 

In the days of COVID, where people could place their mortgage on deferment- I didnt- I was making my payments. I dont understand why they couldnt have place some kind of hold on my account until they fixed it, if they were not willing to accept my payment.

After numerous attempts to get them to address this- my credit report still shows I was late 3 months in a row. 

I need assistance please. I dont feel it's fair to have been forced into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: NV

Complaint narrative:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: NV

Complaint narrative:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I used a balance transfer check that that had a regular interest of 20.99 % for the amount of {$900.00} on XX/XX/2021. I made 3 payments to cover this {$900.00} payment a week later ; XX/XX/XXXX {$150.00}, XX/XX/XXXX {$560.00} and XX/XX/XXXX {$190.00}. Those payments were not applied towards this check ( {$900.00} ) that i had used. I did have about 3 other 0 % interest balance transfer offers, and it seems like they applied those ( 3 ) payments towards the 0 % balance instead of the one that was 20.99 %. I called them to get an explanation and told me the reason it wasn't applied was because i was not billed for the {$900.00}, therefore payments made were not applied towards this but to the other offers that had 0 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Global Lending Services LLC
State: IL

Complaint narrative:
I recently checked my XXXX credit report and seen global lending services unauthorized inquiries that I didnt authorized I tried to fix this with XXXX but they told me to contact the actual company according to the law I demand these unauthorized inquiries be remove from my XXXX credit report please. 


Unauthorized inquiries are : Global Lending Services. XX/XX/2019 Global Lending Services. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: ERC
State: GA

Complaint narrative:
I reached out to XXXX  on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of Enhanced Recovery Company LLC ( ERC ) and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through XXXX  and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my XXXX  account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/XXXX I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America had closed my credit card and did not give me any way to redeem or cash out my cashback rewards. They closed my account without any notice until after the fact. I had called them to get my rewards but they said once the account was closed it rewards were gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Porsche Financial has been a nightmare of a company to deal with the entire term of the lease as i have had constant issues with their website and making payments as the site would either say down for maintenance or just simply not even working. Along with countless attempts to reach a representative to speak to, until about 2 months ago they provided a number that would forward you to a spam call that would never patch me to a rep. I finally did get a hold of someone only after filling other complaints through cfpb where i was provided anther form of contact that is not listed on the payment site. Now I'm receiving additional fees in addition to my monthly payment and they are reporting that my overall lease amount as hiring resulting in my score dropping 20 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TriVerity, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and 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 2021-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I need help with a company that is indifferent and totally unresponsive to my concerns. 
After using XXXX 's money transfer subsidiary Xoom to send money to a friend in XXXX, I was abruptly suspended, and after trying to find out why, their " customer compliance '' department cancelled my account. I have no idea why. Apparently Xoom is independent of XXXX with their policies/ I have used XXXX XXXX its inception and they have excellent customer service. This Xoom company said by email my account was cancelled. 
That there are no appeals, and if I tried to email them I would not receive a reply. 
Telephone contact was fruitless since everyone said, as if reading from a script, that this was company policy not to reveal why my account was cancelled. 
I need your help finding out the reason and how I can restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The balance listed is incorrect along with incorrect reporting. Delete the account.

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