vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX date:XXXX-fraud XXXX XXXX XXXX XXXXXXXX XXXX-fraud XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXXXXXX XXXX  XX/XX/XXXX victim of fraud never open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Referencing case # : XXXX with respect to Equifax Credit Bureau which I had earlier complaint about my situation here and just on XXXX XXXX I got the attached letter that my request has been updated and completed i.e that my SSN is hereby reporting correctly on my Equifax credit file. 
Today, my financial institution re-pulled my credit report and still reporting the old EIN number and I called the bureau to have an update on the situation since they already sent me an update in a letter and I get to speak with an employee : XXXX XXXX with staff ID # : XXXX ( according to him ) who now informed me that the SSN submitted issued by the IRS is temporary therefore can't be update or I should go open a new bank account with the number and it will be reported to them, then only they can update my SSN even after making me send my documents several / multiple times even while speaking on the phone with him the employee sent me an email with the doc file to upload my documents again for validation which raised my hope again that it will be updated by the end of today. 
I attached the letter from Equifax for your review and now it seems they are not doing anything whereas other Credit Bureaus are reporting my correct SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX 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 explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I canceled a funds transfer of {$200.00} with Moneygram on XX/XX/XXXX an as of XX/XX/XXXX my funds have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
Open and active Dates are in accurate on both of XXXX and transunion.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I paid for to reserve a room via XXXX Two days later I received a refund from the host because she cancelled my reservations. 
PayPal received the amount of {$130.00}. My bank account still does not show the funds returned to my account.

These are are " floated '' to maximise profits for Pay Pal. Pay Pal 's that I " must allow 3-5 days from the funds to return to my XXXX checking 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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. ( Exhibit A ) American Express has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. ( Exhibit A ) American Express has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) American Express has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
We sold our home in XX/XX/XXXX. Our homeowners insurance did not get closed until XX/XX/XXXX due to miscommunication with XXXX. A proof of sale was sent and our policy was closed and check was sent for the overage. In XXXX of XXXX I received a bill for my policy for the dates XXXX in the amount {$870.00}. 
I have called XXXX multiple times and each time I have been told that this debt is an error and they shouldnt have sent me a bill. On one of the these conversations ( on a recorded line ) a gentleman told me it could have been that our escrow company sent a check to the wrong account ( possibly on our other house ) and if I received any more bills to disregard because they will fix it for me and resolve the issue. Each time I have heard apologies from the company and this has been going on for months. This week, I received a collections notice for this cancelled policy. I called XXXX again today to figure out what is going on and they explained that this debt has nothing to do with our policy ( even though the collections letter clearly states that it does ) and they accidentally sent us a check, written out in our names and just simply needed the money back because it wasnt supposed to be ours. So XXXX sends us a check in our name, we supposedly cashed it and then 5 months later they discovered they messed up so now instead of owning up to their mistake, they decide to link it to our cancelled policy, send it to collections, and continue to have no accountability. This is not my debt to pay. It never was. I responsibly sold my house, closed out my policies. I should not have to pay for another companies error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have 2 Diner 's Club XXXX accounts. One is a corporate Diner 's Club XXXX account. The other is a personal Diner 's Club XXXX. Both credit cards are administered by the BMO XXXX XXXX. Over the years, I have almost never used my personal Diner 's Club XXXX. When I checked my credit report a few months ago, I learned that BMO XXXX XXXX had reported to a credit agency that I was delinquent in paying a balance on my personal Diner 's Club XXXX. When I contacted BMO on or about XX/XX/XXXX about the alleged delinquencies, I was told there were 2 charges for XXXX 's on or about XX/XX/XXXX for {$860.00} and {$1500.00}, respectively. I told the BMO representatives that I did not make those charges to my card and they are fraudulent and I requested they remove the charges and all of the penalties and interest that had accrued. I asked them to review the history of transactions on my personal Diner 's Club XXXX and they could see there have been very few transactions because it is a card I have rarely used over the years. I don't believe I charged anything to my personal Diner 's Club XXXX in XXXX. I also informed BMO 's representatives that my address changed slightly ( I changed apartments in the same building ) in XX/XX/XXXX, so I didn't receive any paper statements in the mail about the 2 XXXX 's transactions, and I haven't been able to electronically access to BMO 's website to review the statements. I spoke with BMO representatives in several additional subsequent calls, once in late XX/XX/XXXX, once on XX/XX/XXXX, and several times today on XX/XX/XXXX. BMO has told me that my personal Diner 's Club account was " charged off '' in XXXX, so they can not give me electronic access to my account. BMO also said they can not review the 2 fraudulent transactions because we are outside the 100 days of the transaction, per XXXX. This is untenable. I didn't have notice of the fraudulent transactions, so I was not able to timely dispute them. I asked BMO today to send me a copy of my statement showing the fraudulent transactions and they said they would e-mail it to me tomorrow.

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 2022-08-30 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: IL

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
on XXXX at approximately XXXX XXXX  XXXX XXXX reached out to citi bank at XXXX because I tried to send a XXXX transfer of approximately {$710.00} to my landlord to pay rent for the month of XXXX and i kept getting denied access. I was on the call for 1 hour 10 minutes in which i was transferred to 3 different people. The last person that I spoke with stated that he fixed the issue and that I would now be able to log into mobile banking and send the rent funds. I got off of the phone with him and was still denied to access to send money through my account. I was at work so I did not call the bank back at their toll free number until approximately XXXX XXXX  XXXX in which i was on the phone for 52 minutes while they tried to figure out what was wrong with my account. ( there were like 5 different people working on my account and no one could figure out what was wrong. ) The last guy who i spoke with on the second call finally stated that my account has to be closed and another account has to be reopened. I want to make this formal complaint so that I have something in writing if I have to pursue further action with this bank. I am going into the branch when i have time on Saturday XX/XX/XXXX to withdraw all of my funds and close this account. I mainly want to make sure that the funds that I do have in the account are protected even from the customer service reps until I have a chance to go inside of a branch to close this account out. I am a very dissatisfied customer and will not be recommending this bank to anyone in the future. I will also go on to tell my story in the future to stop others from making the mistake of banking with CITI. This bank wasted lots of my time and came up with the worst solution.

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has reported on my consumer credit report for XXXX, XXXX, and XXXX a debt that I do not owe and they are saying the account is currently open. I do not have a debt with XXXX XXXX XXXX nor did I allow this to be placed on my consumer report so it was done without permission. The dates on the account show that it was active since XX/XX/2016, with account number XXXX. 

In accordance with the Fair Credit Reporting Act National Credit Systems account # XXXX has violated my rights. 

15USC 1681 SECTION 602 states I have the right to privacy.

15USC 1681 sECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The advertised bonus promotional offer for the small business credit card from American Express ( ending in XXXX ) I applied for was for XXXX points after {$15000.00} spend in the first three months of ownership. 

Within a month of my application I paid estimated federal taxes with my new credit card, which came to over {$15000.00} in total, including the fees the tax payment processor charged for processing my payment. I have contacted Amex many times, asking them whether my transactions qualified, and was told that yes, they did. 

The bonus never posted. I have launched multiple tickets, and each took over two months to resolve. In the end, they claim that the credit card payment fees were " excise tax '', and as thus didn't qualify. They were not excise tax at all!! In fact, the transaction description on my statement clearly says " SERVICE FEE ''. And unlike transactions with " excise tax '' merchant code, which automatically do not earn regular non-promotional points, these service fee transactions qualified for regular points when they posted, just like they should have. 

I believe this is just a stalling tactic on behalf of American Express to get me to give up on the dispute. 

I am including my most recent communication with American Express, which mentions the original offer and their stated reasons for refusing to honor their promotion. I am also including the credit card statement from XXXX, with the charges clearly visible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 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: V and H Portfolio
State: TX

Complaint narrative:
It is not the place I got the account is totally a different place that on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
We received a letter dated XX/XX/XXXX stating that the service of our loan with UWM ( United Wholesale Mortgage ) was being transferred to XXXX XXXX  XXXX XXXX XXXX XXXX. Unfortunately, we did not receive this notice until Friday XX/XX/XXXX and the start date for transfer was to be XX/XX/XXXX. This not only did not provide us with the full fifteen ( 15 ) days advance notice before the transfer would go into effect, and it did not allow us time to dispute with UWM the transfer and our concerns regarding the new service agent. Having the full 15 days prior to the transfer date would have been beneficial for us to research this new service agent more fully because we were already aware of the complaint of fraud filed in XXXX of XXXX against XXXX and the stipulated judgement and order for {>= $1,000,000} to borrowers and {$1.00} XXXX to cfpb. We want a reputable loan service company to service our loan. XXXX isn't even accredited with the XXXX  and has an approval rating of 1 out of 5 stars. UWM is at fault for this lack on their part to notify borrowers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NJ

Complaint narrative:
This is a request for credit VALIDATION made pursuant to the about named Title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number. 
The other bureaus have deleted and not been able to verify, why are you not matching this 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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called transunion in regards to their accidental deletion of credit inquiries and the inquires being put back. Im understanding that once deleted that they are not able to be put back in my record.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On the day of XXXX XXXX, I revived hard Inquiry alert of Wayfair/Citibank on my credit report. I never ever once authorized the company Wayfair/Citibank to check my personal credit information. I did not apply for this credit card EVER. No desire whats so ever to even have an account with this company. I soon realized i was a victim of identity theft for I started seeing I had more and more hard inquiries from different companies that I never even applied for!. Now I immediately called Wayfair to tell them, that the account was not mine and that I never authorized the account in the first place. They closed it and marked it has card lost or stolen they were very neglectful to the fact the the account was opened fraudulently with my personal information!. I wrote a dispute letter on the month of XX/XX/2022, to one of the Three major credit reporting companies reporting inaccurate information about the account Wayfair/Citibank for they are reporting that I still owe a balance even tho the account is closed. These company Wayfair/Citibank has been harassing me about the balance even though it was opened fraudulently with my personal information they are claiming I am fully responsible for the balance on it. I provided my FTC report my local Police report and all my Proof I had about this very stressful matter In the dispute letter I mailed out. Iv calling the company Wayfair/Citibank and I get no help whats so ever they dismiss me all the time.

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 2022-08-30 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: VA

Complaint narrative:
Someone prudently opened an account with XXXX  XXXX in my name. 

XXXX XXXX says the account was opened in XX/XX/XXXX. I was a federal prisoner from XX/XX/XXXX until XX/XX/XXXX. 

I have send XXXX  XXXX a sworn and notarized affidavit concerning the issues but XXXX  XXXX still believes I lived in XXXX in XXXX of XXXX and had a phone in my name. Neither of which is true.

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