vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A Citibank Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.

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 2019-11-13 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: MI

Complaint narrative:
I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX  & XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX  /ACCT OPENED XX/XX/XXXX / {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: MI

Complaint narrative:
I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX   XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX HOSP /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX   XXXX/ XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2019-11-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
My XXXX year old son was given a vanilla gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Student loans -- XXXX -- XX/XX/XXXX Medical bills -- XXXX -- XX/XX/XXXX inquires -- 5 -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
Harmon Law Offices was retained to manage the foreclosure process on my property located at XXXX XXXX XXXX, XXXX ma XXXX. XXXX XXXX XXXX was the bank who retained harmon law offices. I believe they did not handle the administrative filings appropriately, the missed a significant amount of taxes, and submitted redacted documents to the land court for matters in which XXXX XXXX was already found culpable. As a result of this I have been homeless for over 2 years now and suffered grave emotional distress. Harmon law offices will not speak to me or work with me to resolve the matter. XXXX XXXX sent me the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 — Problem with personal statement of dispute
Company: Diversified Adjustment Service, Inc.
State: ID

Complaint narrative:
I was given the option twice by the XXXX to terminate my account due to the lack of service provided by them. I accepted but they continued to charge me and never terminated the contracts as specified and offered when I accepted the offer in 2018. They turned around and sold the account to a debt collections agency, I denied the account due to the agreement I had accepted with XXXX. Now the account has been bought by another debt collector whom has never offered to settle, negotiate or even submitted a request for information on the account. They have just reported the account on my credit and I have disputed it and it was immediately denied within 24 hours and deemed accurate even though XXXX has recorded conversations of the offer of termination of account without penalty and acceptance. DIVERSIFIED ADJUSTMENT continues to violate the FDCPA rules and regulations regarding validation and accuracy of debt. 
They are facing legal action by federal suit unless this is taken care of immediately and removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I opened a savings ( money market ) account with BMO Harris USA online. I read all terms and disclosures. 

Their sign up process failed to provide me a copy of all things I " signed '' and or agreed too. It failed to provide my new account number. 

After I called them they refused to talk to me once I failed one of the frequently incorrect credit history questions ( This data is constantly incorrect.. for example " when did you graduate high school '' ... is inferred and incorrect in my case -- I have no idea when they think I graduated high school, I was home schooled and already attending college while still in high school ). They refused to talk to me even though I had provided two email addresses and two mobile phone numbers with the application. I had no account number to the {$30000.00} I just transferred in to a new account and no access. 

Eventually I got access, but I was quite upset. After trying to use the account I found I was unable to transfer money out. And I found there were suddenly daily, weekly and monthly electronic transaction " amount '' limits which WERE NOT DISCLOSED up front. Their disclosure described limits in frequency, but absolutely no mention of amount limits. See attached disclosure. 

A simple XXXX search shows they violated Regulation E ( 12 C.F.R. 205.2 ) on disclosures. 

When I requested to close the account they want to charge an account closing fee and other fees. 

Please help 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 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Upon opening a statement from XXXX. XXXX via Comenity Bank, the first I have ever received, I saw 13 charges between XX/XX/XXXX-XX/XX/19 totaling  XXXX. I did not make these charges. I was not aware that I had a XXXX. XXXX credit card. I do not know what the account number is. 

I called the Comenity Bank using the phone number on the bill twice. I hung up after being put on hold for an hour the first time, a half hour the second. This is a very sorry state of affairs. I was able to report the fraud the 3rd time I called. 

I will be reporting this fraud to the XXXX XXXX XXXX Police as well as sending a letter to Comenity Bank identifying the charges, all made through XXXX, as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
My XXXX year old son was given a vanilla  gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX immediately. 

The XXXX XXXX  is associated with this card and serviced by incomm financial services. They are responsible for making this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
XXXX added a collection in XX/XX/2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Diversified Consultants provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX account on my credit report that I have no idea about

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 2019-11-13 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: IN

Complaint narrative:
My idenity was compromised while serving in the XXXX. During this time the following inquiries were made fraudulently in my name. I request that these Items be removed immediately. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: KY

Complaint narrative:
XXXX XXXX added a collection in XX/XX/2017. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
I was not notified that I had an outstanding debt with Coast Professionals. As a matter of fact I didn't receive any type of notification from the agency that I had a debt until I filed a dispute with XXXX. I was only after I filed a dispute that I received a notification in the mail. The dispute was returned without explaining to me why it wasn't taken off my credit report. My credit score went from an XXXX to XXXX over a {$600.00} debt that I didn't even know about. Someone with an XXXX score would not have a problem paying a {$600.00} debt.

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 2019-11-13 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: NY

Complaint narrative:
i been a victim of inquiry issue and want the following inquries removed

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 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I attempted to change the address on file with the NELNET several times. They did not change it at any point. Now I have not 1 but 2 slow  payments on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have got 3 Fraudulent hard inquiries on my credit file with Equifax. Upon checking my credit report, i saw the fraudulent hard inquiries and went to the local police station. I got sent out of the office with the request to file it with the Federal Trade Comission and get an FTC report. I had to send that to the credit bureau with the request to remove that. After i did everything what was told me to do so, Equifax did not remove anything. I called Equifax to see whts the status on my disputes. They told me that FTC its not a legaal document and that they can not remove the fraudulent hard inquires. XXXX and XXXX  did so, but Equifax came with the sense like, we dont care you have to go behind it and contact every bank where i got an hard inquiry from. Thats crazy!!! Consumer rightts is saying that the credit bureau HAS to do it in 4 business day to report to the banks where ever consumer gets fraudulent item reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-13 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: LA

Complaint narrative:
Im writing this complaint because my account was closed because of vague Rules I use Cash app to collect payment from my clients, I run a consulting business. Im not disputing the fact that they have the right to close my account, My issue with them is Lack of communications I try to contact them to let them know I prefer them to mail my check to me but they forwarded my check to a close bank Account, When I contacted the institution that they forwarded the check to they told me no such payment was there it had been returned a generic e maile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Around XX/XX/2019 am unauthorized hard inquiry was done on my credit through a Vendor, XXXX XXXX XXXX XXXX XXXX XXXX   with XXXX XXXX. I contacted both and Experian to correct this. In fact I already filed a complaint with CFPB within a week or so of it occurring. Meanwhile, I was in touch directly with all concerned and was told it was all fixed and removed from my credit report, etc. Meanwhile, it it is still on record as a hard inquiry and will be for the next 2 years or so. I have tried many times to correct this and was on endless hold with Experian and have not been able to make contact with anyone to correct, hence this complaint.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were effected by hurricane Micheal and lost our home. We received {$25000.00} from the insurance company. XXXX XXXX XXXX is now refusing to send the last {$10000.00}. We have a signed lien waver from the contractor and checks paid to them for well over {$35000.00} and they have released a {$15000.00} check in XX/XX/2019 but still have not received the other {$10000.00}. Now they are refusing to send the money to me directly instead they put the contractors name on the check. This has been going on since XX/XX/2019. What can I do to get this resolved? 
I need assistance ....

Company response to consumer: Closed with explanation