vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
I purchased a spring break vacation trip XX/XX/2020 to XX/XX/2020 to XXXX for my family ( XXXX, XXXX, and I ). XXXX booked the resort and the airline tickets thru XXXX XXXX for the three of us. Before XX/XX/2020, XXXX XXXX cancelled the flight and offered no alternative travel arrangements. The Federal Government issued an order banning all non-essential international travel. This trip was a vacation outside of the United States which is considered non-essential travel. The State of California issued a stay at home order prior to the scheduled travel date. If we flew on this flight, it would have been a violation of the state order. 
It is important to note that we still wanted to travel on this flight and were ready to travel. However, we were unable to do so due to XXXX XXXX cancelling the flight and offering no alternative flight. Therefore, by responding to my dispute, XXXX XXXX is attempting to charge for a service they never delivered. Furthermore, we also were in no position to violate any Federal and State orders not to travel. 
It should be further noted that the airlines have been ordered by the Federal Government to refund fares paid for by consumers. Therefore, XXXX XXXX should not even being responding to the dispute. 
Finally, per the fair credit reporting act, Citibank as a credit card company can not charge for a product or service that was never delivered. When XXXX XXXX cancelled the flight and offered no alternative flight, they were in essence trying to charge for a service they were unable to deliver. 
Therefore, if Citibank decides to rule in favor of the airlines for this dispute, Citibank will be in violation of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act which provides a per violation penalty from {$3500.00} to {$3700.00} per incident. 
I did submit my dispute with Citibank, and all the required documents to prove that XXXX XXXX did indeed cancel their flight. Also Citibank only refunded one ticket and rejected my two other tickets.

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC Bank will not connect with XXXX savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
I NEED THE FRAUD ALERT REMOVED IMMEDIATELY FROM ALL 3 BUREAUS ... PLEASE REMOVE THE ALERT FROM MY CREDIT FILE

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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I NEED THE FRAUD ALERT REMOVED IMMEDIATELY FROM ALL 3 BUREAUS ... PLEASE REMOVE THE ALERT FROM MY CREDIT FILE

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 2020-06-30 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: GA

Complaint narrative:
I NEED THE FRAUD ALERT REMOVED IMMEDIATELY FROM ALL 3 BUREAUS ... PLEASE REMOVE THE ALERT FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result 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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2020 I tried to get information about balances and transaction amounts on 5 ( five ) Rewards Cards issued by US Bank with the Debit/Visa logo on the front. I tried calling their automated service which supposedly gives balances and transaction histories. None of our transaction histories were in the system. It said XXXX balance available but NO TRANSACTIONS. That makes no sense. I tried to reach a human being to discuss this and stayed on hold for 20 minutes listening to their annoying on-hold music only to finally reach someone who couldn't help me dispute charges like their phone system offered ... instead they wanted to give me another phone number to call. WHAT? The automated voice system said I could get card information on a website. The website was an absurd creation by someone who doesn't know how to design websites, and it created errors repeatedly. There were NO OPTIONS to address an issue with the website. US Bank has done and incredible job of erecting barriers and obstacles for their victims ( customers ) to waste time on before giving up. Apparently this is their business model. On the back of the card it claims they can charge $ XXXX/month if you don't use the card. Really? You can't get info from a human, you cant get info from their 800 number obstacle course and you can not get registered on their ridiculous non-functional website. What a joke. I need someone from US Bank to call me to get this resolved so I don't need to waste more time as US Bank 's victim/customer.

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
noticed a new account on my credit report that is not mine. I have reached out to the collection agency and received no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/20 I sent a letter to Experian certified with a return receipt, requesting a MOV regarding an item on my credit report per FCRA 611 ( a ) ( 7 ). This request is due a response in 15 days. Experian failed to  respond with the requested items or remove the creditor. I called XX/XX/20 spoke with XXXX & later XXXX in disputes and both argued they don't have to delete anything and can file a new dispute. 
The problem is I sent the letter and they have yet to fulfill my request due to me by law. They both reassured me they don't have to do anything and they don't verify data they just host it.

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 2020-06-30 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: FL

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that XXXX was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted XXXX and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that XXXX SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. XXXX XXXX XXXX illegally sold my mortgage 6 months after they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I am trying to link my bank account with the XXXX app which is where I pay my rent. But it said there was a problem linking the account and my rent is due tomorrow XX/XX/XXXX so this is very urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: PNC Bank N.A.
State: DC

Complaint narrative:
Today XX/XX/30 I tried to make a payment to a friend with XXXX. 
I received a notification that XXXX and PNC were no longer working together? And I could not make a payment from my XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result 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 2020-06-30 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fig Tech Inc.
State: FL

Complaint narrative:
On XX/XX/2020, despite the fact that I posted a Consumer Statement on  XXXX site, not to provide my credit report to any creditor without contacting me first on my provided personal cell phone number, second a call to my provided house phone number, and third obtain a written authorization from me. Transunion, on the referenced date, provided my report without my written request to : FIG LOAN INC/FIG LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ph : ( XXXX ) XXXX FIG LOANS opened an unsecured fraudulent loan/account for $ XXXX {$540.00}, in my name without my authorization, my written consent, nor any executed application submitted by me. I never heard of this so-called company ever before. I disputed this loan with XXXX on XX/XX/2020, and also tried to call FIG LOANS INC/FIG LOANS at the provided number on at no avail. Either no one answers or the call triggers a recording.. This has been going on up since XX/XX/2020 when I filed the First Dispute with XXXX until today XX/XX/2020, almost One and Half months of AGONY. Their action has effected my life, my credit score and it won't go away ...!!! This is keep on being reported as delinquent to XXXX and it brought my credit score to below 600. I filed a Second Dispute today with XXXX  regarding the same. I was asked by XXXX to report FIG LOAN INC/FIG LOANS to CFPB for their Fraudulent Act they have created in my name. Also, when I googled XXXX  ( XXXX XXXX XXXX ), this company showed as having committed fraudulent acts in the past and all along. To All Consumers, PLEASE BE AWARE of FIG TREE INC/FIG LOANS  and seek caution and protection against them. I have never filled nor signed an application for any loans whatsoever with them, and their fraudulent actions has put a dent into my life, and ruined my impeccable credit of the last 35 years..!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Hello, I was recently a student at a college I no longer attend. I feel as if they mishandled me and discriminated against me. I have {$1000.00} to owe this bank as a charge off. There were fraudulent charges and activity in my account that I had no knowledge of. And my account owed this large amount. I was even told by fraud department that this school branch in XXXX, MO should have closed my account a long time ago if there was suspicious activity and open a new one, instead they just kept it alive. I have been mishandled and feel discriminated against. I do not want a closed account on my XXXX  as that can cause problems along the way. I want to be able to possibly open a new account with this bank in the near future or any other bank for that matter.

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 2020-06-30 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: AES/PHEAA
State: UT

Complaint narrative:
Fed Loan is reporting inaccurately on my credit report. These accounts show as collections status and they are not. I have consolidated them and should be reporting as a good open line of credit. I am requesting they fix this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, 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 2020-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: AZ

Complaint narrative:
I have been getting calls for a XXXX XXXX for the last 4 years. This is not me and I have no idea who this person is. The last company is Premiere Credit XXXX. The last call was on XX/XX/2020.

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 2020-06-30 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:
I am a victim 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 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Patriot Finance, LLC
State: GA

Complaint narrative:
My credit report hasnt been updated since XXXX. I tried to open my account online and the website has been taken down. It looks like their doors were shut and items auctioned off. I cant find who owns the loan now, have no idea what my account balance is. But my monthly bank drafts are coming out - dont know where they go though. I will be stopping the draft until I can locate the creditor and get an account update

Company response to consumer: Untimely response
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-06-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
information in correct

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