vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened a XXXX XXXX checking account at M & T bank XXXX branch on XX/XX/XXXX. I'd received an advertisement from M & T a few days before that which said I could qualify for {$300.00} if I opened a XXXX XXXX account and fulfilled certain conditions. I've attached this advertisement. The condition to fulfill for earning this bonus was to set up recurring direct deposits from an employer and receive at least {$500.00} in direct deposits within 90 days of account opening. I set up direct deposits from my employer and received a direct deposit of {$1500.00} from my employer XXXX XXXX XXXX  on XX/XX/XXXX. I received further direct deposit of {$2400.00} from the same employer after the 90 days, but had clearly received more than the required {$500.00} in direct deposits inside the first 90 days from account opening. The advertisement stated that the {$300.00} was to be paid out within 90 days of receiving {$500.00} in direct deposits, which should have been XX/XX/XXXX. I was never paid this money. I should mention here that there was another condition in the advertisement to be fulfilled, and that was I could not have received a bonus on an M & T personal checking account in the last twelve months counted from when I opened the account. I did receive such a bonus in XXXX on a different account, but the last bonus I received an an M & T personal checking account was on XX/XX/XXXX. XXXX while I opened this account on XX/XX/XXXX so more than twelve months had passed since the last bonus. So it's clear I was eligible for the bonus and met all conditions but was still not paid the {$300.00} on time. I also made doubly sure that the banker I opened the account with actually applied the promo code to my account. Not only did I give her the code verbally and see her put the code on the application, I actually emailed her the advertisement while she was opening the account so I may have proof that I presented the promo code while opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Today XX/XX/20 @ about XXXX XXXX  cst I attempted a international wire transfer with Western Union by phone and after giving some information I was then asked for an email address. I said Id like to have my receipt sent to my home address and was told I still needed an email. I was sure this was not the case as Ive made many transfers before so, I asked for a supervisor. A lady identified herself as Supervisor XXXX XXXX confirmed that that was in fact there rule. I asked and she was NOT able to tell me where I could read this rule but she couldnt honor my transfer without it. I feel like they only require this information of certain people and the rule discriminates against people who dont use the internet and email if, this is in fact there rule. In the past, I was always given the option of If I didnt have an email a receipt would be sent to my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a new online checking account from Citibank in XX/XX/2020. A new checkbook was delivered soon after. I wrote a first check in XX/XX/XXXX. In XX/XX/XXXX, I got notified that the check was blocked/frozen and a returned check fee {$12.00} was charged from the other bank. I had to pay the original payment and the return fee. 
I called Citibank and asked about the returned check. The reps told me that it was blocked because I did not yet activate checkbooks/check writing. 

I have never heard of checkbook activation before. There was no notification regarding activation in the envelop with the checkbook. I was unable to find any policy about checkbook activation from the document/terms and conditions I received when I have opened the account. I was not able to find any policy regarding checkbook activation in Citibank website either. 

I activated the checkbook after long phone conversations. I also got refund the return check fee {$12.00} after another long phone call, on the discretion of the supervisor, even though the fee was from another bank, not Citibank. However I want Citibank to be more clear about rules so there would be no surprises for their customers.

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 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
I contacted contract callers, I notified them that this account was identity theft. I also submitted certified letters, affidavit,, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XX/XX/20

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company

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 2020-05-13 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: DISCOVER BANK
State: NC

Complaint narrative:
1.XXXX XXXX XXXX is reporting I have an account with them and I have never had an account with them. 
2. Discover Fin Svcs has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
1.XXXX XXXX  XXXX is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. Macys is reporting that I have an account with them and I have never had an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: AL

Complaint narrative:
This debt was deleted off of my credit report over a year ago. This debt is old and they keep selling it to credit companies. It shows that it was created in a XXXX of 2020 and thats not correct. This is very very old debt that has been settled and deleted from my credit report and XXXX  is illegally reselling and updating on my credit report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion  day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still 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 explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2020 I entered a search for a XXXX XXXX XXXX model # on XXXX XXXX and a website listed as XX/XX/XXXXappeared listing the Home theater I was searching for. The site showed a number of different departments and in the electronics department they showed the home theater I was looking for for sale for XXXX. I purchased it through PayPal and the funds were transferred from my debit account to XXXX. which shows on my PayPal account. Eventually I was told it had shipped ( presumably from XXXX ) to XXXX.California with a USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX store where I receive all of my mail on XX/XX/2020. I was expecting a large box with the home theater system. What I received with that tracking number was a small envelope containing a cheap yellow whistle. Needless to say I was very distressed. As soon as I got home I went to the matastore website and was told it was a non-existing website. I immediately contacted Paypal and reported that the company was fraudulent and that they sent a cheap whistle and not the home theater I ordered. Since there was no way to phone PayPal and opened a case to get a refund for not receiving what I ordered. PayPal responed by telling me they would attempt to contact the seller at XXXX. 
On Sunday XX/XX/2020 PayPal sent me an email stating that my case had been denied because the seller responded stating the tracking number proved my order had been delivered. I have tried several times to contact PayPal regarding this to get them to look at what I paid for and ordered and what I received. Their response was that the case ( # XXXX ) was closed. 
I nearly always use PayPal for online purchase because they promise to always provide a refund if I do no receive what I paid for. I am very upset that no one from PayPal has followed through on this and checked this fraudulent website that ripped me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2020 : I was alerted to suspicious activity on my card of a purchase at XXXX for ~ {$4800.00}. I promptly responded and inform that someone had called using a phone number not associated to me and approved the purchase. I informed them that I did not make or approve the purchase and that it was in fact fraudulent. The analyst told me the purchases would be taken off my account. 
XX/XX/2020 : Charge still showing on my account. I called chase multiple times with extremely long wait times and unable to speak to fraud department due to my work hours. So I made my wife an authorized user on the account so that she could speak with chase on the phone regarding the fraudulent charge. 
At some point the charge was removed from my account. 
XXXX : Charge appears again on my account although not listed on my statement. After speaking to fraud department, they inform me that I stated to them in our XX/XX/2020 conversation that I approved of my wife making the purchase. THIS IS AN UTTER LIE. There is no other way to phrase it. 
Have called and emailed chase repeatedly since that time with little to no response regarding addressing or resolving the fraudulent charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
I opened a business checking account at a Wesbanco branch on XX/XX/2020. When I was opening the account, I was presented with a bonus offer of up to {$250.00}. Of that {$150.00} was to be paid if I maintained an average balance of at least {$2500.00} for the first month. I did that and WAS PAID this {$150.00}. However, for the other {$100.00} of the offer, I had to do this as per the exact terms ( emphasis mine ) : Enroll in mobile banking and EITHER opening and activating a debit card AND completing 5 debit card purchases within 30 days of opening OR open a new business credit card within 30 days of opening I went with the first choice. I enrolled in mobile banking on my mobile ( using the app ) on or before XX/XX/2020. To make sure I actually used the mobile banking service also ( even though this was not required, only enrolling was ), I deposited two checks using mobile deposit to this account on XX/XX/2020 ( this actually conclusively proves that I did sign up for mobile banking ). I also made 5 debit card purchases online on XXXX, all on the same XXXX. So clearly I fulfilled the terms for the {$100.00} part of the bonus inside 30 days of opening the account. The bonus was to be paid within 7 business days after 90 days of account opening, and that timeframe just passed. I was duly paid the {$150.00} part of the bonus but not the {$100.00} part, even though I fulfilled the terms for both. Unfortunately, I couldn't reach out to the bank for a resolution due to the stay-at-home orders and restrictions on in-person banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See 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 2020-05-13 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 had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See 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 2020-05-13 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Nordstrom is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation