vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: TX

Complaint narrative:
The facts : I applied for a form of credit through a Matress company. I was approved for around {$4000.00} then I decided to shop around further for the best deal for me. I found another vendor with better pricing so I informed them of my approval with XXXX and they said they accepted them and could move my approval to them. The owner attempted to move the original approval. A code was sent to my phone to verify my identity and he said it had been done. He called and talked to the company on the phone in front of me as thats what needed to happen and they went through the process with him so he did his part. Then I get the lease information and an email saying I had a certain amount of credit left and that I could make an additional purchase. The credit was way less than my original approval so I chatted with XXXX  customer service and the lady stated she was a supervisor and attempted to disconnect because she said I was rude. I was direct and professional. She stayed on and continued to not help but tell me company policy and would not escalate my concern to management. I told her I wanted to undo everything and return the product and she said that it would report as repossessed property on my credit report. I still have the mattress and have until XX/XX/2020 to exercise my 90 day payoff and Im waiting until that time to complete the payoff as thats the full 90 days. Its being reported on my credit report for some huge amount thats not the original purchase amount of XXXX plus tax. They need to be fined and reprimanded for the service they are providing. They also did a second pull on my credit report, it was a soft pull but I did not authorize a second pull period. So at what point does a company take responsibility and follow set standards and regulations and hold their employees accountable for not doing their job correctly. I want a positive resolution for both parties and want to be treated with respect and to be heard. I disputed this and Im guessing since they are a partner vendor with Experian they didnt make XXXX change anything. Because the item was updated the only change was to show my good payment history for the next month.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2019 XXXX XXXX tried to check my balance and received a message that the site was down. Message says American Express Serve website is offline. 
The site is down right now. You can still use your Serve Card while we are working hard to bring you the American Express standard of service you expect. We  appreciate your patience. 
XX/XX/2019 XXXX XXXX Tried to make a purchase and the card declined XX/XX/2019 XXXX XXXX Called American Express Serve and was told via automated response that they had system issues and could not process my call. 
XX/XX/2019 XXXX XXXX Called American Express Serve and waited on hold for 15 minutes. A person by the name of " XXXX '' answered and gave no information. He gave no ETA on their system and told me to call back in 2 to 3 hours. I explained to him that customers are being left stranded, sitting at stores where they have received services and now can not pay and he responded " call back in 2 to 3 hours '' This is not acceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
The promo date ended in XX/XX/XXXX. We had monthly payments withheld from our checking account that coincided with the end promo date. Needless to say, we received a statement from them saying we needed to pay {$170.00} in interest. I spoke with a rep, who assured me it was taken care of, and we would not be billed again. They still billed us for the interest, and we paid that, confirmation # XXXX XX/XX/XXXX. 
They still withheld a XX/XX/XXXX payment of {$410.00} and tacked on {$170.00} more interest. 
Please help us. We are seniors who pay our bills. It was against my better judgement financing with this company, through XXXX XXXX. 
Sincerely XXXX XXXX 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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My paycheck & my XXXX sons Ssi benefits are direct deposited to the bluebird amex prepaid account. I have not been able to use the card for 2 days. Everything that I ordered online for my kids for XXXX has been canceled. I am a single mother with XXXX kids and i have no access to any of my paycheck or to my XXXX child 's funds 4 days before XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAVE BEEN CAUSING SERIOUS DAMAGE TO MY NAME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSBILE. BECAUSE OF THOSE NEGATIVE MARKS IT HAS BEEN VERY DIFFICULT TO ACQUIRE NEW CREDIT. PLEAS BE MINDFUL THAT THOSE ACCOUNTS ARE INACCURATELY PLACED AND THEY DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I received a call from XXXX in XXXX, NY stating that they had received my online application and that I had been approved for a loan of {$5000.00}. ( I had applied for a few payday loans so am unsure as to which application this was. ) The installment loan appeared to be a reasonable rate and payment terms so I went forward with the loan. I originally spoke with a XXXX. She told me that in order to qualify for the loan, my 2 XXXX XXXX  credit cards needed to be paid off so that it would raise my credit score. If that happened then I would qualify for a lawn up to {$10000.00}. I stated I only wanted  XXXX and to move forward with that. She then stated that they would pay off the 2 credit cards, and I would have to go to XXXX  and buy gift cards for the amount of the payoff of the credit cards, so basically to pay them back. One of the payments came through from PNC Bank to pay off the amount of the credit card balance. XXXX XXXX  put a hold on the funds but PNC ( or whoever they are ) called the hold dept and got XXXX  to release the funds. I was then instructed to go to target and purchase {$6000.00} in gift cards, which I did. PNC/XXXX  then took the gift card numbers and pulled the funds from those to pay themselves back. The funds for the other credit card payment came into the account and then PNC/XXXX  reversed the payment and my account was charged a {$25.00} return fee from XXXX. I then started dealing with a XXXX XXXX who told me the bank was XXXX XXXX XXXX XXXX. His number is XXXX. He then told me in order to fund the whole {$5000.00}, I would have to have both the credit cards paid down to XXXX   again and do the gift cards at XXXX  before they could fund the full {$5000.00} loan. They made 2 payments on XX/XX/2019 and again reversed one, which caused XXXX  to charge my account another {$25.00}. XXXX put a hold on the other payment again as I told this XXXX guy they would and I would need proof from their end to prove to XXXX   that the money was good. He refused to comply with that request and then threatened to cancel the transaction. He was only corresponding with me via text, and when call the different numbers, they answer the calls in different ways. I realize this is a complete scam so I wanted to play it through to see what they do. I have cancelled my 2 credit cards so at this point, they can no longer make or reverse payments from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/19 I closed out an account with XXXX in the amount of {$12000.00} via cashier 's check. I went to BBVA in XXXX, TX to make the deposit. I was provided with a Funds Availability Notice stating there was a hold for the following reason : Next Day Item ( s ) Over {$5000.00}. The hold amount was for {$7200.00} and would be made available on XX/XX/19. 

I checked my account today, XX/XX/19, and noticed my funds were still on hold. I called BBVA at XXXX and was talking to representative XXXX. He told me on his system he showed a date of XX/XX/19. I stated I had paper proof that my funds would be available today. He suggested we contact the branch I made the deposit at to verify the information. The branch representative told me that they made a mistake in the hold process and redid the hold. They told me they sent me a letter stating this, but I have not received the letter. That was over 7 days ago and I should have received some correspondence about their error. He told me that the funds will be available XX/XX/19. 

I have had issues with BBVA since I have opened an account with them. I have had purchases declined, a XXXX  debit card error, and now I have over {$7000.00} being withheld from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is NOT my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

ACCT # XXXX BALANCE -- {$1200.00} PLEASE SEE ATTACHED MY IDENTITY THEFT REPORT WITH ALL DOCUMENTS CONTAINING THESE FRAUDULENT ACCOUNTS .... PLEASE REMOVE I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-20 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-20 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: NY

Complaint narrative:
Not my 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 explanation
Consumer complaint received 2019-12-20 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 have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed in writing, up to and including but not solely limited to fraud and/or identity theft. 

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003

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 2019-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
This company contacted me and said they were hired to settle a debt. That I would provide my debit card information and they would provide me the paperwork stating the terms of the agreement on said debt. I have never received any paperwork from them ever. I had to provide my banking information to them and they said they don't keep it on file, that they would make a one time debit, which they did for {$140.00}. Two weeks later they made another debit from my bank account for another {$140.00} after they specifically told me that they don't keep checking account information. When I spoke with them today, they said they need my debit card information or they are going to file my paperwork. They call me constantly at work after I have told them to call my cell phone. Because they debited my bank account twice without my permission the second time my student loan payment bounced. These people are very aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: GA

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX  - XXXX  XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX   XXXX, XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX  - XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX  XXXX XXXX  XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
We paid {$950.00} on XX/XX/2019 on my bill. Citicard refuses to acknowledge receipt of the monies. I have checked with customer service daily.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Today I received a letter from Bank of America failing to provide the information of requested documents of all accounts Bank of America has also used to supply address to the apartment needed in which to send a certified letter to in regards to requesting the documents that is needed and that had been requested over four months ago which has not been provided as of this date. I was notified that there were several several accounts open up my in my name in different amounts and Bank of America I have requested them to send me every single one of those documents all information pertaining to these count provided by federal law and which they have refused to do so I'm here by giving him another 15 days to supply these documents or I'm going to file with the Federal trade commission and I'm also requesting them to cease and desist after the 15 days of all communication all post in or anything and this will be considered as a legal document I need the information all they supply me was account numbers I can not do anything or the police department can I do anything with reference numbers not any good show me proof I want the proof which gives me the right to request the information from you. Here is the letter Bank of America has sent to me without the related proof of each one of the documents I can not do anything nor can a police department we don't know what's going on in these cases I have a right to know the transaction history and what was bought with all of these and what address was associated with this 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
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief