vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, me and my husband drove up to a bank of America atm to deposit a check in the amount of {$760.00}. Upon inserting the check into the atm, the system suddenly rebooted, resulting in the atm eating the check. Customer service was called immediately following the incedent from the location of the atm, and a claim was made. We were then instructed by the customer service agent that it was okay to drive away from the atm. After the claim was investigated, we were sent a letter claiming that the location of the original transaction was located, but that the check itself was not found. 

I am aware that these atms are equipped with video recording for security purposes, so video of me and my husband inserting said check must have been viewed to verify the location of the incident. As to why the check in question was unable to be located is something i can not understand, given that the check itself would have my name and adresss since it is employer issued. 

As a result, the credit issued by the bank is now being removed on XX/XX/XXXX. I feel that there is indeed substantial evidence of the situation, and that the institution took a careless approach in resolving the issue, especially considering that there was video surveillance installed at the atm, during the day and time of the incident.

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 2020-03-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX   Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/2019 $ XXXX  Monthly Payments

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A pending refund from XXXX is being held, pending review, dated XX/XX/22 in the amount of {$59.00}. The item shows as posted, funds held for reasons unknown to me. This item was mentioned in a prior complaint filed with CFPB among others. Since filing prior complaint, it appears all items are released from pending status aside from this one..Currently, this is the only transaction on hold. I need use of these funds, I am currently on furlough with my employer and on unemployment, funds are scarce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.

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 2020-03-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XXXX for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-26 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.

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 2020-03-26 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I found in my mailbox a credit card statement from Office Depot XXXX with some transactions done on XXXX XX/XX/XXXX with a total balance amount of {$650.00}. The trades were performed in the State of Nevada ; the first one was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance done in visa ATM for {$300.00} ( XXXX XXXX dollars ), some items in XXXX for {$100.00} ( XXXX XXXX dollars ), plus some fees for a total of {$41000.00} ( XXXX XXXX XXXX and XXXX XXXX cents  ). 
The second was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance in Mastercard ATM for {$200.00} ( XXXX XXXX dollars ) and some items ( granola chewy XXXX, stack snack, wipe sensitive for {$32.00} ( XXXX XXXX dollars and XXXX XXXX cents ) plus some fees for XXXX ( XXXX dollars and XXXX XXXX cents ) for a total of {$240.00} ( XXXX XXXX XXXX dollars and XXXX cents ). 

I live in the state of Florida and on the date that the transactions were done I was in XXXX. 
The same day that I received the statement called Office Depot store customer service, explain that I don't have Office Depot credit card and the lady that answered told me that the card number didn't exist neither in my name nor in the name of my company as it is written in the credit card statement. She gave me a phone number to communicate with Business credit card Office Depot department to clear the situation. 
Today XXXX XX/XX/XXXX XXXX XXXX  east time, I had communication with them, they recorded the call and the lady told me that in XX/XX/XXXX, I did an application to get a Credit card, but I never received the card and really I never asked for it. Is more the card is a business card but is not there on the statement the complete name of my company. She requested the complete name of my company and the address to start an investigation. That could mean that she didn't have my information. 

In conclusion the statement is a fake notice, I never had a credit card from Office Depot store, I live in Florida and there is not any possibility that I could have done the transactions made in XXXX XX/XX/XXXX in the State of Nevada. I hope you can help to resolve this problem. 

Thank you in advance for your time and consideration NOTE : Please see statement attached

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 2020-03-26 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:
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 bankruptcy. 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. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union is reporting a fraudulent account on my credit report XXXX I have never had a loan with XXXX. XXXX XXXX  is in litigation for fraudulent account and misses handling loan finance they are in violation of OCCC Section 348.114. And are under investigation, I filed a dispute with Tran Union, and XXXX  in detail explaining that all information that they have received has been fraudulent and untrue, at this time XXXX can not respond to anyone and XXXX  has filed Bankruptcy and no longer exist. Not even the credit beau can get them to respond to them. I am not understanding how the credit reporting agency can go in and switch names off of the account that reported bad debt XXXX  and add XXXX name on it with out a full investigating I have never had a Loan with XXXX and the information that they are reporting is false and Fraudulent. XXXX have violated Texas Finance Code 168.1 and 602.1 and 698.3. and sense XXXX  no longer exists, and the company is in litigation and is unable to respond Tran union need to remove this fraudulent file from there reporting banks, credit reporting need to be the same and or read in dispute, XXXX reported to XXXX  as a paid off and XXXX  do not show any reporting of XXXX or XXXX on Trans Union is showing fraudulent reporting they are in violation of Texas Penal Code 36.06.

Texas Finance Code 391.002 15 USC 1681 / 602.1 and 698.3. 
16 CFR Part 602 - FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 The rules formerly at 16 CFR part 603 have been republished by the Consumer Financial Protection Bureau at 12 CFR 1022.3, Fair Credit Reporting ( Regulation V ). 

I have attached all documents and would like this item removed or corrected and while they are removing this fraudulent account it need to state in dispute while they investigate I have prepared myself to take Trans Union to court as well as XXXX XXXX XXXX XXXX SSN # 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 2020-03-26 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: PA

Complaint narrative:
I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, Equifax and XXXX  as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my TransUnion report as a result of my dispute. On XX/XX/2020, TransUnion re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' TransUnion failed to notify me of the reinsertion. I was notified through my own credit monitoring software.

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 2020-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I applied to refinance my student loans with Citizen Bank through their Citizen 's Bank Education Refinance Loan. A little after XX/XX/XXXX I received a letter denying my request/application. They gave three reasons, 1 ) number of auto finance accounts, 2 ) age of bankcard accounts and 3 ) total balance on bankcard accounts. 

I have one auto loan and only one that shows up on my credit. I would assume that 90 % of the people in this country also have an auto loan, so I am not sure how this is relevant. 

I do not have many new bankcards and my oldest is over 12 years old. I have never missed a payment in my life on anything. 

As for credit card balances, I pay some of my credit cards off every month as I use them for the points. The other ones that carry balances are interest free. So the credit report probably shows higher balances than typical. 

I have had the student loans since XXXX and never missed a payment. I am paying 6.75 %, which is ridiculous considering the current rates. 

Citizen 's did not even reach out to me to verify my income, which is in the six figures. Nor did they ask how much cash, marketable securities or retirement accounts I have, which should all play factors into the decision, as someone with a strong liquid position or good liquid assets could payoff the credit cards when the zero interest is up. They did absolutely nothing but look at a credit report, which showed no late payments ever. 

I have been in commercial lending for over 14 years. Citizen 's took my complaint but really couldn't explain their decision. 

Their letter said my score was XXXX out of a high of XXXX ... .However, i pulled my free credit report on all three credit agencies and all showed that I had no missed payments, no public records, no judgement or any other negative items. It sounds like their scoring is not very accurate as I easily clear over {$2500.00} a month after all bills and expenses I currently pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I have been going back and forth with Phoenix Financial Services. They called me stating I owe {$2700.00}. However, only XXXX is reported on my credit report for XX/XX/16. When I asked them who the original creditors were, they said XXXX XXXX XXXX from XXXX XXXX  XXXX, Address XXXX XXXX XXXX XXXX, NY XXXX. I know I had no debt with them. I called XXXX XXXX XXXX billing ( now XXXX XXXX ). I spoke to a wonderful representative, XXXX XXXX. When I explained the situation, she was confused because they never worked with XXXX or Phoenix Financials and that they were sending a debit from four years ago. She informed me, they send it to creditors after one year of being unpaid. We actually called Phoenix Financials together on three way, XXXX spoke to a man named XXXX. She stated they never worked with them, nor did I owe any type of debt from the date specified XX/XX/16. I was never even seen by a Dr. XXXX, or even at the doctors on XX/XX/16. XXXX was very rude and hung up the phone on us and stopped answering. XXXX then reported it to her supervisor. I also called XXXX hospital services, they also verified they have never worked with XXXX or Phoenix Financials. They both sent me XXXX balance statements which will be attached. When I called Phoenix Financials back ( I have the recording on my cell phone ) to let them know the information they had was wrong, the woman hung up in my face after yelling at me. Also, on Phoenix Financials statement it says my address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I never been to this address or seen a Dr. XXXX. The address from the Doctor and Original creditor ( XXXX  ) do not match. If you look Phoenix Financial Services up on the XXXX  and consumer affairs, you will see that they have thousands of complaints and lawsuits about fake and inaccurate debt collections. The company has not cooperated with me, and refuses to remove it off my credit report. I would like this removed immediately and this company to be reported ASAP so it can stop harassing innocent people. I've also reported this with all 3 Credit Bureaus Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
Experian is still allowing Data Furnishing Companies to report inaccurate information on Consumers Credit Report. My name is XXXX XXXX an Experian has allowed the following Companies to report inaccurate information on my Credit Report. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX To report on my Credit Report as each Acct # is being reported closed.

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