vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for Barclays cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My XXXX  credit score was reported as XXXX. I have no debt. I investigated and realized Citicards reported an {$8400.00} debt. This debt was settled via XXXX XXXX XXXX in XX/XX/2020. 
After 4 days of phone contact with Citicards I was told the account was sold to XXXX. 
I have proof of payment via XXXX - it was paid in full in XX/XX/2020. 

My issues are : # 1. Why was Citicards erroneously reporting a debt serviced by XXXX? 
# 2. The report caused me to lose an option of an Affordable apartment. I am so XXXX yrs. old and XXXX and have no other options right now. 
# 3. Proving the error to XXXX  has taken days and hours on the phone, info mailed, faxed, and emailed to produce evidence the debt was paid. 
# 4. Ive filed a dispute with XXXX but must wait 30 days for a decision, and I will lose the apartment. 
# 5. Im extremely angry about this injustice caused by Citicards and want some sort of Recompense.

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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I filed a claim with XXXX XXXX about this collection on my credit report on XX/XX/2020 because the amount is wrong! It says {$110.00}. owed but it should be about {$64.00}. I got the results from XXXX XXXX today XX/XX/2020 and it says it was accurate? Then I call AWA Collections myself and they tell me the remaining balance is {$64.00}? So how is that accurate if it is not?! I would like them to fix this asap! How do you have someone paying it off but you can't simply apply it to the Credit Agency? This is my Credit we are talking about and they need to do their job to report and update the correct information. I dont know what kind of investigation that was when obviously it is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I have never been under contract with this company and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a wire transfer in the amount of {$400.00} + {$40.00} fee through Chase  Bank to my sister on XX/XX/XXXX. The transfer did not go through because of error in the account number. 
After numerous efforts on my part to get Chase Bank to return my money, I was forced to file a complaint against Chase  Bank with the CFPB ( Case # XXXX ) filed on XX/XX/XXXX. In response to that complaint, Chase reimbursed the {$40.00} fee and sent me a letter promising to retrieve my money from the recipient bank within 3-5 business days of the letter. They assigned a case/reference number to my wire retrieval case ( Case/Ref # XXXX ). 
It is now over 3 weeks since Chase informed me that they had initiated contact with the other bank. I have not heard from Chase Bank since then. I have sent emails ( on XX/XX/XXXX and on XX/XX/XXXX ) to Chase Bank via the secured online messaging system, requesting an update on the status of my requested {$400.00} refund from the botched wire transfer. I have also attempted calling the wire department at Chase bank and got no response. Just as before when I filed my initial complaint, no one from Chase has bothered to respond to me and my money has not been refunded so far. 
I am tired of chasing after Chase Bank to do the right thing and return money that was not received by my relatives back to my account. It is unfair for a large corporation such as Chase Bank to treat hard working customers this way. I have been ignored for months and I have been forced to send additional money in other for my deceased brother to be properly buried while Chase Bank continues to play with me. 
I am requesting the Consumer Financial Protection Bureau to intervene in this matter because I feel like I am being played with. As a single mother of minor children, it is ethically wrong for Chase Bank to put my family 's survival in jeopardy in this already rough economy. 
I am not asking for anything other than the return of money that I paid that was never received by my relatives for my brother 's burial. 
I am prepared to go to the press with this matter if the CFPB turns a blind eye to my request and continues to allow Chase Bank to oppress my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal 's website is not functioning at the moment. I have tried to file a tech complaint 8 times just tonight alone, and their website consistently reads error without explanation. I've not been able to link my bank account to their website for TWO MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues.

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 2020-08-27 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: PA

Complaint narrative:
Equifax is the worst credit reporting agency when it comes to getting inquiries off my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Regional ACC likes to violate the fair reporting credit act, I dont know this company and havent done any business!

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-27 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: OneMain Finance Corporation
State: PA

Complaint narrative:
one main financial has looked at my XXXX  and XXXX  credit reports!! These are not my inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
They would not reissue my expired cards. Case # : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Fraud in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: DriveTime
State: PA

Complaint narrative:
DT credit for a car is on my XXXX  credit report. I never did 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 2020-08-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
paypal synaynay bank put credit inquiries on all three credit reports!!

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 2020-08-27 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Americredit please remove inquiry off of XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
please take this credit inquiry as this violates the fair care act!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a home warranty from XXXX XXXX XXXX using my American Express credit card on XX/XX/2020. An item in the house covered by the warranty starting having problems. I contacted the company on XX/XX/2020 to use the service they had sold me. The company assigned a contractor that never showed up and never answered the calls. I got an estimate form my own contractor and sent it to the company. They came up with excuses to refuse the repair. Among those was that there is 3 months waiting period which was never mentioned when I purchased the service and was not in their written terms of purchase. I canceled the service but never received a refund. I contacted American Express and disputed the charge with them. They have rebilled the charge to my account. I tried to explain the situation but they did not seem to care. I expect that American Express to protect me from faulty merchants. I did not receive the service I paid for. I use credit card for most my purchases because I trust if the merchant does not hold their end of bargain, I have a recourse. The other credit cards I use have always stood behind the transaction. Th XXXX XXXX XXXX seems to operate as a scam. They advertise and sell a product that they do not provide. They also use deceitful practices to refuse service. In summary, I have not received the service I purchased through American Express credit card and I expect the company to refund my money and stand behind the protections they advertise they provide to consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cant open a bank account no where because Bank Of America have that I owe them {$5600.00} and that I did fraud with them on my consumer report this is false Ive tried to dispute and tell them that I had nothing to do with that and I want it off 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 monetary relief