vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 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: NJ

Complaint narrative:
I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my 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 2020-09-13 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: FC HoldCo LLC
State: IL

Complaint narrative:
Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX credit score ( over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX  XXXX XXXX XX/XX/2020 FLAGSHIP CRE XX/XX/2020 XXXX/XXXX 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 2020-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/20 around XXXX to XXXX XXXX EST, I visited a branch ATM and deposited {$700.00} in cash. I realized too late that {$700.00} in cash would have been 35 bills and this ATM only accepted 30 bills per deposit. The ATM stated there was an error and my cash could not be returned and to contact Citizens Bank. It printed a receipt from that date stating there was an error and to contact the bank.

I returned home and immediately called Citizens Bank. I was able to get through to someone at around XXXX XX/XX/XXXX to explain the problem. From here, the woman I spoke to put in a claim for me and gave me a claim number. I was told it'd take approximately 10 business days to return the money to me and I didn't need to contact the branch where I used the ATM. 

On XX/XX/20, a {$700.00} deposit appeared in my account and I received a letter stating I had been given a TEMPORARY deposit of {$700.00} while they investigate my claim. I assumed that this would not conclude against me as I was sure I could be seen on camera at the bank and that the ATM would show that it was {$700.00} over, so I did not bother saving this {$700.00} temporary deposit. 

On XX/XX/20 I was issued a letter stating that they had found there had been no errors at the ATM and they would be reversing the temporary deposit of {$700.00} on XX/XX/20. 

On XX/XX/20, the {$700.00} was indeed reversed, and overdrew my bank account by over {$630.00}, to which my account remains as of this day, XX/XX/20, overdrawn. 

I am deeply disturbed by the actions of this bank as I know, for certain, that I was at the ATM that day, deposited {$700.00}, have receipt proof that I was there and received an error from the ATM, and that they can still conclude that nothing happened and have taken {$700.00} from me. I took all of the steps I had to take, provided all of the information I could as accurately as possible, and still Citizens Bank concluded me to be a liar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-13 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: NJ

Complaint narrative:
I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
XX/XX/2020 XXXX XXXX Attention : Customer Service I am writing about a matter about a teller 's check of {$2500.00} that arrived at Planet home lending on the date of XX/XX/2020 that has not been applied to my account.. It arrived via USPS. My bank verified this information for me. I have spoken to multiple customer service representatives regarding this matter and each one has told me to wait another week. 

I sent in a written e-mail detailing this situation on XX/XX/2020 to Planet home lending. I have not received a follow up communication about the matter. Between XXXX and XXXX, I have spoken to customer service representatives who have told me, " Don't send it anymore payments until this is fixed, '' " Don't send your payment in through a bill pay, '' " A lot of people were laid off due to COVID. '' I called my bank and they were able to tell me the tracking number of the USPS delivery, date of delivery, verify the amount of the teller check, verify the address it was sent to, and proved me with the check number. 

I had spoken to a customer service representative on XX/XX/2020. He told me that I needed to send in the front and back copy of the canceled check. I told him that the teller check has not been applied to my account in order to supply that information. He told me that I needed to e-mail the XXXX in order for research to be done. I asked him if there was any other information I needed in order to move forward because not one customer service person told me that those were the steps I needed to take. He verified that the address my bank sent it to was in fact the correct address, listed above. 

I sent the e-mail with the information of the {$2500.00} teller check not being applied to my account in writing on XX/XX/2020. 

I spoke to a customer service representative on XX/XX/2020 and informed her of the countless phone calls I have made to Planet Home Lending to follow up on this payment. This representative said that she was able to read the notes of previous conversations but to give them until the end of the week. I have been put off for countless weeks with no resolution, with each representative telling me something different. 

I will be looking forward to a service representative calling me with information resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has incorrect personal information

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 2020-09-13 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: GA

Complaint narrative:
XXXX has incorrect personal information

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 2020-09-13 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: GA

Complaint narrative:
XXXX has incorrect personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft I have had Wells Fargo reporting a credit card on my credit report under my name for years now I have been disputing and going through the process to get this removed for a year now and it still has not been fixed

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 2020-09-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: VA

Complaint narrative:
I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for  classism and racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.

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 2020-09-13 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.

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 2020-09-13 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA credit card notified me of possible fraud charges on my account on text and email, which was great, but they did not take action to remove the 3 fraud charges i never made on my card. I have also called customer service and told them I don't use this card, and request to block my acct and issue me a new one for security purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
After paying off the debt I initially was told with National Credit Adjusters for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX  as PAID IN FULL and asked for a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a Verizon Visa credit card offer thru Synchrony Bank, signed up for the offer and was approved. The offer promised to save me {$10.00} a month on my Verizon bill, but I never received a discount and instead was given a {$28.00} fee. My Verizon bill was already set up for autopay but Synchrony Bank never sent me a paper bill. Three months later I received a letter from Synchrony Bank stating : When you were approved for your Verizon Visa signature card account, you agreed to go paperless with your statements. We have noticed you have not registered or have not completed registering at Verizonvisacard.syf.com to use online account services and have removed you from the electronic statement process. We will now only send you paper statements. Please register or complete the registration process at Verizonvisacard.SYF.com and re-enroll to receive electronic statements. You may have a payment due. Please register and view the status of your account ... ..

I registered online per the instructions in the letter to discover in the online information provided that I was not saving {$10.00} a month as promised and instead was assessed a {$28.00} late fee. I was not sent any paper statements so I was completely unaware of the overdue bill. I paid the statement balance online in full immediately. My credit score is in the 800s and I am an extremely responsible person so I am confused as to how this happened and can only assume I was scammed by Verizon and Synchrony Bank with their intentionally confusing credit card offer. I called the customer service number  provided in the letter, XXXX, and after going through Synchrony Banks automated system to reach a live agent I received an automated message that the number was no longer in service. I called back several more times and was still not able to reach a live agent, receiving only a vague message to try again later. There was no option to contact anyone via email or any other way other than the phone number that obviously didnt work. I feel I have been taken advantage of by both Verizon and Synchrony Bank. The lines are intentionally blurred so that you dont know which company youre dealing with. Its intentionally misleading and both companies are profiting by 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 monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Wells Fargo submitted my checks late, even though I mailed them weeks in advance of payments due ; and my payment history shows 180 days past due. This is negatively affecting my credit score.

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 2020-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
After paying off the debt I initially was told with XXXX XXXX XXXX for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX as PAID IN FULL and asked for a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I placed an order for a fire pit where I found the ad through XXXX. 
The Firepit was a millenium falcon fire pit The company was XXXX and it was never received. I used my BestBuy/Citi credit card, ending in XXXX. 
Order was placed on XX/XX/XXXX. 

When I disputed this with the credit card company, they sent me a copy of a XXXX tracking number that supposedly stated that the item was received. 
1. No delivery address was on this label.

2. The tracking number was not present or clearly legible on the label that Citi/BestBuy provided. 
3. The delivery city was incorrect -shows XXXX XXXX XXXX XXXX however my deliver address is XXXX XXXX 
4. The date format is not consistent with standards for XXXX XXXX. 
5. I work from home, I am home all day, and was present at home at the time of the delivery. No delivery attempt was made.

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Lost my job due to the Coronavirus Epidemic! Signed up for unemployment got approved for the PUA program, got email my debit card would be in mailed within 7-10 business days! IT HAS BEEN FIVE WEEKS NOW! US BANK RELIACARD sent my card to not one but two different addresses! Know my third card is getting expedited till the unemployment office approved my mailing address! Why is this?

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 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The selections given for this dispute were not given, as there are many things going on with these agencies, none of these three agencies up hold the Federal Fair Credit Reporting Act, all disputes are ignored and they consider changing dates, or addresses, or names validating a debt!!! First of all why arent we asking to show original documentation of the debts by the original companies and the contracts that any such debt exist? That's validating a debt, instead they send information to help these fraudulent collections to remain on my credit report and holding my FICO scores down with there fraudulent activity!! None of these agencies have contacted me in writing, none of these agencies have called me, none of these agencies have validated that I owe any such debts!! I have one collection agency trying to collect a debt for XXXX, and right next to to that is my outstanding credit with XXXX which is an active account and all of the credit bureaus just play XXXX like they dont know how to investigate that!!, XXXX refuses to allow me to do anything because they are so outdated with information it's ridiculous. All the address they have belong to my family and dont show very many of mine!! My daughters address they are showing as my current address and they refuse to change it!! THIS NEEDS TO STOP RIGHT NOW!!

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