vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX  they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-07-20 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2023-07-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-07-20 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: OK

Complaint narrative:
XXXX XXXX XXXX claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

XXXX XXXX dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.

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 2023-07-20 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: OK

Complaint narrative:
XXXX XXXX XXXX claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

XXXX XXXX dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Kikoff Inc.
State: FL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this complaint is a respond to a letter i recived from transunion requesting additional documents for case number XXXX XXXXXXXX i attached documents below

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 2023-07-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Opened and utilized an American Express Blue Cash Preferred credit card ( account ending : XXXX ). Earned a promotional account opening bonus of {$350.00} after meeting a minimum spending requirement within a specified time period. After almost one full year, I decided to close the account. At the time of account closure, the chat representative stated : " Cancelling your account will result in your forfeiting any earned cash reward. Would you like to proceed with the card cancellation? '' I understood this to mean that any accumulated reward dollars earned from purchases but not yet claimed would be forfeited. Since I had no outstanding reward activity to claim, I proceeded with the credit card closure. Nothing was stated indicating that the initial {$350.00} account opening bonus would be reversed if the credit card was closed within the span of XXXX year. To my astonishment, several weeks following official account closure, I received an email stating that a {$350.00} statement credit reversal had posted to my closed account ( on XXXX ) and that I was liable to make the payment within 30-days otherwise interest charges and associated late fees would accrue. I contacted the company to resolve this issue and the chat representative/supervisor informed me that the possibility of account promo reversal was detailed in the fine print of terms and conditions. I conveyed to the representatives that I was never informed of any minimum time limit requirement, either during account opening or account closing. Nevertheless, I agreed to re-open the account to meet the one-year time frame. The supervisor agreed to submit the request for promo reinstatement to the company 's back office. Upon account re-opening, the company changed the credit card account number ( new card ending : XXXX ) and subsequently charged an annual {$95.00} maintenance fee. The account remains open and active but the promo credit has not been reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-07-20 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: OH

Complaint narrative:
I went to a presentation for a travel company in XXXX called XXXX XXXX. They took my financial information and opened a credit card in my name with XXXX XXXX  for {$10000.00} and immediately removed all the funds. XXXX XXXX  investigated and found it to be fraudulent and I was not responsible.Further, they sent a contract to a company which they own called XXXX XXXX XXXX and and demanded payment of {$32000.00}. I advised them that it was fraud and I was not paying them They attempted to collect from my XXXX credit card. XXXX blocked it. They then sent a report to the credit bureaus including Experian.I was able to contact XXXX XXXX and XXXX who placed a fraud alert on my credit report. XXXX Bank uses experian and put a negative report on my credit report. I contacted experian and they did nothing but keep the fraudulent report on my account. I attempted to contact experian but they made it impossible to correct my report and refused to remove the negative reporting.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I scheduled a monthly-balance pay in full payment of {$13000.00} to my Apple Card by Goldman Sachs XXXX Apparently I also accidently scheduled an additional payment for {$8300.00}. While the payments were still pending on XX/XX/2023, I called Apple Card Support at Goldman Sachs and told them I needed to cancel the {$8300.00} and only meant to pay the {$13000.00} to avoid interest. They said that wasn't a problem and submitted a " payment inquiry '' and said the {$8300.00} would be cancelled and not to worry about it. Then both payments came out of my checking account, the {$13000.00} was sent back as insufficient funds. I was then charged interest. I reached out again via Apple Card XXXX Text on XX/XX/2023 and said I was told incorrect information costing me interest. They said they will submit another " payment inquiry '' and fix it and refund the interest charges. This never occurred. I called a few days later again and they said all of that information was correct and there is nothing they can do about it. I was charged {$120.00} in interest, and another {$75.00} in interest is pending, when I never carried a balance over from a prior month before and never paid interest. I need the interest charges back and I need the balance to stop revolving. If I would have been told correct information I could have transferred money from my savings and avoided the fees. They gave me incorrect information, costing me fees. I believe this is against UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 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: NY

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with TransUnion on XX/XX/XXXX. To this date, I have not received any response from TransUnion regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request TransUnion to correct this erroneous information on my credit report immediately.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing, Inc ( SPS ) sent Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
Indicated on the statement was that our monthly payment would increase to {$2100.00} effective with the XX/XX/XXXX payment. Not wanting to see the monthly payment increase by some {$230.00}, we opted to pay the requested shortage amount of {$2400.00}, feeling that our monthly payment would remain the same at {$1900.00}. 
The representative I talked to at SPS ( XXXX ) on XX/XX/XXXX processed the payment of the escrow shortage while on the phone with her. ( XXXX ) XXXX indicated that we must still make the {$2100.00} payment due XX/XX/XXXX " because that payment amount was already in the computer '', AND subsequent payments would increase to some $ XXXX. 
We don't understand 1 ) why we must make the {$2100.00} payment for XX/XX/XXXX and 2 ) why our monthly payment will increase to $ XXXX. Opting to pay in full the requested escrow shortage should leave our monthly payment unchanged at {$1900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have disputed this matter various times with the credit bureaus. Professor Debt Mediation has been reporting on my credit report in an attempt to collect a collection/debt that I think I was wrongly charged for. When I left my apartment, I left it very clean and nothing broken. I have pictures of how I left my apartment. I did not get back my security deposit and theyre charging me an additional {$4600.00}. This debt should be investigated and verify and the method of verification should be provided to me with pictures and proof of charges that I owe. Otherwise, I do not owe it and it should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-07-20 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in 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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
The US BANK placed an hard hold on my accounts and havent allow me to access my accounts and this caused me to lose a lot of my clients and have caused me issues recently in the past. They keep shutting my accounts down when I get a big deposit or deposit a check and this is causing me to not be able to get bills paid and expenses taken care of.

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 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an online banking issue and could not log into my accounts and decided to contact Citibank my bank to help me unlock my online banking. When I called the services number at the back of my card, they verified me and transferred me to their tech department to help me fix the issue. They sent me a message from Citibank and asked me to say it back to them and I did. When I suspected fraud, I called Citibank to block the accounts and they only block my checking. Just to realize that a wire transferred was initiated from my saving account in the amount {$48000.00}, when I visited the bank that same day. I contacted the Citibank and filed a dispute, and they only gave me back {$95.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation