vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is a complaint regarding Citizens Bank. 
On XX/XX/2018 we received an email congratulating us on opening Mobile Banking and XXXX Account. I immediately contacted the bank to advise them we did NOT request either service. Bank Rep XXXX said ... it was good I called as this had just happened within a hour of my call and all was okay on our accounts..but, we needed to change our user id and password. XXXX gave me a new ( per his words ) fail proof user ID and we changed password. 

Thinking all was fine I did nothing else until on XX/XX/2018.We are retired and our pension payments go into our account on or around the first of the month. When I went in to account to see if our pension checks had been posted I noticed they were but, the balance as extremely wrong. I scrolled down and saw there were two checks issued on XX/XX/2018 to an unknown person and they were both cashed and deposited into a credit union in California??? I immediately called the bank. The rest of the story is in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a couple checks as payment for a job. Before I accept the payment i called the banks owner of the check and verified that the payment was legitimate. I also asked the customer to see there ID. 1 out of the three cleared, and now Wells Fargo is faulsly accusing me of giving a fake check.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX i got an alert that I authorized an credit check with XXXX/XXXX for an account. Which is impossible. I was sick in bed. I called XXXX to clear it up the were very understanding could not find anything. I call Experian who put it there they absolutely refused to do anything and said it would stay on until XX/XX/2020. XXXX said they saw no where in there files where I seeked a credit application.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TX

Complaint narrative:
XXXX XXXX XXXX  claims that I owe them for leasing an apartment or home. I have never leased an apartment with those people. I have lived at home address for 25 years and just moved to a condo. This account was opened fraudulently and I have already filed a police report over a year ago. I submitted the police report to all 3 bureaus and XXXX and XXXX have already removed the fraudulent account. For some reason no matter how many times I speak with someone and dispute the item and send in my police report Equifax does not want to remove it. They told me based on the info the creditor gave them they have verified that the item belongs to me which is totally UNTRUE and UNFAIR. This particular debt is ruining my life my signature was forged on the lease and they are making me suffer. I recently disputed it again and I was told 3 days later the dispute was completed and it will remain on my credit report how can they investigate in 3 days? This is insane!! These people can not prove that I lived in an apartment it is not tied to anything else on my credit file. I did everything I was supposed to do now Equifax needs to remove this item I am tired of dealing with this and plan on taking legal action very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).

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 2018-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/18 I sent in a dispute to transunion about 12 inquires that I didn't give permission to pull my credit. These inquires were not done by me. In my dispute letter I stated I wanted transunion to remove these inquires because they were not authorized by me, and they don't have any documents supporting these inquires. Transunion never responded at all. The Fair Credit Reporting Act clearly states that these 12 inquires must be removed because 1 : One I didn't authorize them, 2 : Transunion didn't response within the 30 days 3 : Transunion don't have any supporting documents proving I authorize these inquires.

The inquires are : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX -XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/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 2018-11-01 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: OH

Complaint narrative:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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:
EXPERIAN IS REPORTING THE FOLLOWING IN ERROR.

XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX9 CFPB Case # XXXX from Original Creditor ( XXXX XXXX ), dated,XX/XX/XXXX states that XXXX XXXX was SOLD to XXXX XXXX XXXX on XX/XX/XXXX NOT XXXX XXXX. The ACCOUNT BEING REPORTED BY XXXX XXXX since XX/XX/XXXX is erroneous and NOT MINES pursuant to the original creditor 's letter. PLEASE DELETE.

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 2018-11-01 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: OH

Complaint narrative:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX district of Ohio.

I sent a letter to the XXXX XXXX  court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter.

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information 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 explanation
Consumer complaint received 2018-11-01 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: OH

Complaint narrative:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX   Courts in the XXXX  district of Ohio. 

I sent a letter to the XXXX XXXX court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. 

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information 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 explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: WV

Complaint narrative:
To Whom It May Concern : I am member of a credit monitoring service. I received an alert of a collection that was put on my report. It was a collection from Bull City Financial Solutions in reference to an old credit card through XXXX XXXX XXXX XXXX for the amount of {$9700.00}. 
This needs to be removed ASAP! I am not responsible for this debt. My ex-wife is responsible. 

Back in XX/XX/XXXX of this year XXXX XXXX XXXX XXXX sued me for the debt. In turn, I counter sued my ex-wife. She contacted XXXX s attorney and made an agreement with XXXX XXXX XXXX XXXX. At the hearing on XX/XX/XXXX, XXXX XXXX XXXX entered her Judgement and requested that I would be dismissed of the obligation. 

I have attached a copy of the civil judgement order showing the claim against me is DISMISSED. 

Bull City verified with the original creditor " XXXX XXXX XXXX XXXX '' that I have been released from the debt back in XX/XX/2018. They removed it from my credit and in the last few day re-posted the collection to my credit. When I called them, they clearly said they further reviewed it and I am still responsible to pay them before they will remove it. I can give them a credit card to cover the amount of the collection. This makes it illegal. Clearly knowing I am not responsible for a debt and they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?

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 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/18, I booked a hotel room with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida for 2 nights. 

Unfortunately, due to the XXXX XXXX on the coast of XXXX XXXX at the time of my scheduled stay and exhaustive research of the conditions warranting voluntary evacuations of the area, it was no longer safe to travel to the area. 

On XX/XX/18, I spoke with someone at the XXXX XXXX number provided in my confirmation email about the conditions of the area. 

After conversation with her, it was in agreement that it was unsafe to travel to the area and, despite the original booking terms, my reservation would be canceled AND refunded. She entered a cancelation code she referred to as XXXX, which she stated was weather related. 

She stated I would receive an email letting me know my reservation was canceled, and no further actions were necessary on my part. I did have a witness, a member who would have been present for my reservation, on the line during this phone call. 

After several days with no monetary return from the XXXX company, I made another phone call. 

At this point, the person from the 1-800 number spoke with XXXX at the local hotel who stated she was in charge of the monetary return and she had made the decision not to return the funds. This person did inform me they had listened to my recorded call from XX/XX/18 and did, in fact, hear that I was told I would receive a refund. 

I decided to reach out to XXXX myself. She gave me the same information. She told me she made the personal decision to not return my funds based off of their cancelation policy. I told her I understand their policy however, the reason for cancelation was out of my hands and I was promised a refund. 

I was offered a credit for a future stay with them, but given their lack of professionalism, I have no desire to stay with an organization who has pocketed {$1000.00} of my hard-earned cash during a time when I am planning my wedding. This is unethical, and quite frankly, just wrong. I never stayed at their organization, therefore they have literally pocketed my money and I have received nothing but a headache and heartache. 

I have disputed this charge with my bank, Wells Fargo, who I have banked with for the past 15 years. After issuing me a provisional credit, they determined they could not help me and have since retracted the credit. 

I would like to think after doing business with a financial institution for 15 years, I could trust they would back me in an unfair situation such as this. 

Any guidance you may be able to offer so I can retrieve my hard-earned money in this unfair situation would be so greatly appreciated. 

Thank you in advance.

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 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from XXXX or Experian.

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 2018-11-01 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, 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