vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX I purchased a necklace and a pendant for the total amount of {$1600.00} from online retailer XXXX. Once I received the items, I realized the pendant was too big for the person I was buying it for as a XXXX present and contacted XXXX to return the pendant. After multiple phone calls and emails, XXXX  finally provided me with the return authorization address. 

On XX/XX/XXXX, I sent the pendant back to XXXX unworn and in its original state. According to tracking, it was received on XX/XX/XXXX, well within their 15-day return limit. I was awaiting a credit of {$960.00} for the pendant. 

After several back and forth emails with XXXX regarding the status of my credit, I finally decided to contact Citibank to inform them of the issue. I never received a credit of {$960.00} from XXXX. 

On XX/XX/XXXX, Citibank issued me a credit for {$960.00} for the return of the pendant and indicated they would investigate the matter with XXXX. 

On XX/XX/XXXX, Citibank sent me a letter indicating they were reversing the {$960.00} credit and were closing their investigation. 

I refuse to pay for a pendant that I returned to 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 2020-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC
State: MI

Complaint narrative:
I sold a car to a man from XXXX back in XXXX of XXXX. We both signed a hand draft receipt I live in the state of Michigan. He drove from Illinois to pick the car up. I Received a letter in the mail received a letter in the mail In the spring of XXXX advising me the car was impound and they were reaching out to the last 7 owners. I call the city of XXXX and let them know I sold the car and I am no longer responsible for it. The city of XXXX told me they would remove my name as the owner. After that I no longer heard anything about the car until XXXX of XXXX when my bank account was levy for this debt. I reach out to Markoff law multiple times. They will not remove the levy and are trying to charge me for a car I do not own. After I sold the car I am no longer liable for anything that happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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: PA

Complaint narrative:
I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.

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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My account was placed under review and it has been almost 2 weeks since then. Ive been told that it would be resolved within 24 hours, within 1 week, and Ive been told that Im unable to access my money or close my account. Nobody has given me a reason or any information. I want my money returned to me and my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}

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 2020-03-03 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am having a background check done and while looking over the report from Experian it shows a prior residence address as XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at that address and have never used that address. It shows a date as XX/XX/1996

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I talked to someone at AMERICAN EXPRESS about a penalty APR. I questioned them as to why I was charged the 7th month - after making 6 months of on time payments - at the penalty APR. They apologized and reduced the rate, but did nothing to remedy the 7th month of penalty APR interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and 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 2020-03-03 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: LEXISNEXIS
State: PA

Complaint narrative:
I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: FL

Complaint narrative:
i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX   XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX. the other one is a XXXX XXXX XXXX XXXX opened in 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 2020-03-03 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I had a lease with Hyundai that ended in XX/XX/2019. I returned the car and everything was fine. I never heard from Hyundai again.. Then one day i get a phone call from a collector stating that i owe Hyundai {$430.00} for fees at the end of the lease. I immediately paid the amount they claim i owed. Then i went to apply for a mortgage and my credit score had dropped from an almost perfect 800+ score to a XXXX! I was extremely surprised and unaware why. When i looked into it, it was because Hyundai reported that i was 30 days late in XX/XX/2019, 60 days late in XX/XX/2019 and account Charged off in XX/XX/2019. I have NEVER been late on anything on my credit report EVER. Hyundai NEVER called me to let me know i was late or even owed them any money at all. I never got any bills in the mail from them either. This is not accurate information and is completely unacceptable.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received a phone call from IQ Data International at around XXXX XXXX on XX/XX/2019. I mentioned during the call I had not received an updated invoice for the amounts owed and that I wanted to see in writing an updated itemization because we had moved out. I informed the operator ( a female ) that I would promptly follow up upon receipt of the updated invoice. I even read to her correspondence from the original creditor where I specifically asked for an updated invoice but did not receive it. I explained I wanted to pay the correct amounts due. 

Nonetheless, the operator refused to send the updated invoice. She would only send it if I provided payment information. I told her I wanted to see the bill first to confirm it is accurate. During the course of the call, she began raising her voice. Not only that, but she made statements like " you're not going to pay '' and " we deal with people like you all the time. '' On the recorded line, I requested that all communication moving forward be made by written correspondence. I also informed the caller I was at work. She disregarded my requests and was shouting over me. 

There was no reason for hostility and my request was reasonable. The caller was unnecessarily rude, attacked me personally and was unwilling to heed my requests as required by law. I insisted I wanted to actually see a written invoice and that I would be in contact thereafter. The caller threatened she would, following the call, report me to the credit agency. At some point, I informed the caller that her company was subject to the Fair Debt Collection Act, yet she persisted with her aggressive and loud communication and her threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has put a credit alert on my account. I have asked for it to be removed 5 times. They have also not updated my phone number as requested twice. My credit is on lockdown and I am suffering. I want the alert removed and number updated

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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
It has become apparent that Amerihome is once again misapplying or not applying electronic mortgage payments that are receiving from me as they are once again threatening foreclosure and reporting that they have not been paid for six months. I have attached copies of payments made over the last 8 months. Additionally Amerihome is still refusing to update my mailing address. Further they have not delivered my tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MT

Complaint narrative:
In late XXXX and early XXXX of XXXX I shopped for a new car and asked the car dealers for loan information. On XX/XX/XXXX, 4 inquiries were made by car dealers about my credit status. On XX/XX/XXXX, 5 inquiries were made by car dealers. I later learned that the TransUnion Company dropped my credit rating 40 points as a result of these inquiries. At present TransUnion records show 9 inquiries dated between XX/XX/XXXX and XX/XX/XXXX. But the TransUnion website states " Lots of inquiries in a short amount of time can hurt credit scores but if youre comparing options for something like a car loan all of the inquiries made within 14 days may only count as one on your credit report. '' My inquiries were made within a 3-day period and should be reflected on my credit report as 1 instead of 9. I filed a formal request with TransUnion to  correct this error and TransUnion refused to make this correction -- without any explanation whatsoever -- in an unsigned letter ( file no. XXXX ) dated 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 2020-03-03 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}

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 2020-03-03 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00}

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 2020-03-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? This can not be true! - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 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: MA

Complaint narrative:
A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. Experian refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX ( report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX  All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this 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 non-monetary relief