vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: U.S. BANCORP
State: IL

Complaint narrative:
I received an email alert on XX/XX/XXXX regarding low balance in my checking account from US bank. I called my local US bank that I did not issue any large transaction. I was informed to call on XX/XX/XXXX because a check was made out with amount of {$3200.00} and picture of check would be visible then. I called the bank and was informed that a check was cashed under my name at branch # XXXX with possible false ID? 
This branch is located at XXXX XXXX, CA and I live in XXXX, IL I called the XXXX XXXX, CA branch asking why this phony check was cashed. 
I want an investigation with the teller who cashed the check out. 
Date of transaction on check was XX/XX/XXXX I called US bank fraud department on XX/XX/XXXX and my checking account has been blocked until I receive my refund.

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 2020-02-11 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: IN

Complaint narrative:
Recently returned from a Cruise ( XXXX XXXX XXXX ) in which on-board purchases were made. XXXX submitted the transactions to Citibank for authorization and Citi approved the transactions and posted as " pending '' on the account. Transactions were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. ALL transactions have now " posted '' to my account yet 3 transactions remain as pending. Citi says it is a merchant issue, merchant says it is a Citi issue, neither will speak to the other to release the " pending '' transactions which have posted. This has affected my credit line availability to the point that certain transactions may be denied as I use this card for travel. I have contacted both the cruise line and Citi a minimum of 4 times each and each are pointing the finger at the other. Citi has acknowledged that the transactions have posted, yet have clearly stated it is a Merchant ( XXXX ) issue to release the transaction. XXXX has attempted to contact Citi, yet due to Citi 's policies, they will not accept a fax or phone call from XXXX to remove the transactions saying they need to process through their Merchant system.

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 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I disputed an account with XXXX on XX/XX/2019 but they keep verifying it. Cavalry LLC. attempts to collect {$1200.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. they hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: GA

Complaint narrative:
I was a victim of identity theft due to a data breach with XXXX in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX   XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.

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 2020-02-11 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: MD

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-02-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
5th 3rd Bank list a CD rate of 2.2 % for 18 months in their web page, and as of today XX/XX/XXXX they will not honor it. they say the web site was last updated in XX/XX/XXXX. I contend if they failed to update their CD rates in their web site, they should honor it? The Bank is at XXXX XXXX. XXXX XXXX. MI. 

XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
Cedar Business Services LLC is claiming that I owe them {$5900.00}. Have requested multiple times that they provide me with the details, who authorized this transaction, whom it was paid, any written authorization these transactions in their possession. All the receipts, statements, agreements any other record pertaining these transaction. So far they have failed to provide anything related to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later  notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was a debt that showed up on my credit report that was not mine from 2014. It was from XXXX XXXX. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a XXXX debt but was inherited when XXXX bought XXXX XXXX credit 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 2020-02-11 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: AES/PHEAA
State: MI

Complaint narrative:
I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. Fed Loan Servicing has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and XXXX  have fixed some of them but XXXX  has not fixed any of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
After paying TIAA {$300.00} for an appraisal on my home in XX/XX/XXXX I called and asked to have an electronic copy emailed to me. They confirmed my email address and told me I would received the document within the hour. It never came. I scanned the hard copy myself and moved on. 

On XX/XX/XXXX I called to ask for a copy of my most recent statement as I was unable to access it through their online banking system and they have never sent them to me via mail. I was told the statement would be emailed within 30-60 minutes and it never came. I was also told my online banking would be corrected to allow me to access my statements online. That never happened either. 

On XX/XX/XXXX I called back to request a copy of my statement. I again verified my email and was again told it would come to me within 30-60 minutes and it never came. I am still unable to access my statements online or via email. 

I need these statements to prove eligibility for sliding scale healthcare and a home refinance. I am not receiving them via the USPS, email, or online access. After 3+ hours spent on the phone with TIAA I still do not have a copy of my mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I am lodging a formal complaint against enhanced recovery. This debt collector has reported derogatory information on my three credit reports for debt that does not belong to me, and I never received anything in the mail from this company allowing me to dispute validity of these accounts. Which is a violation of the fdcpa/fcra. I must be notified before reporting derogatory Information on my credit reports, which gives me 30 days to dispute validity. I've had the same address all my life and same phone number. I have never had any contact with enhanced recovery. The debts are 2 accounts. One for {$1400.00} to XXXX which I know is incorrect because I've only done business with XXXX since 2006. And another debt for {$180.00} which I don't know what this debt is for. This has been the worst timing ever. I am in the process of purchasing my very first home for my family and I. And I'm being told these errounous accounts are holding my family and I back. I am requesting these accounts be deleted immediately from my credit reports so I can move forward with purchasing my home for my family. I am a single mother of XXXX kids and this is breaking my heart. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I received phone calls about an outstanding debt form this company. XXXX XXXX XXXX. The same rep. continuously calls my work phone number which I informed them from the beginning they can not call. I can not receive calls on this line. I made two payments to this collector and asked NUMEROUS times for a written letter to my home which i have not gotten. They sent me an email with a XXXX  address and the company XXXX  XXXX who's processing the payments is not XXXX  accredited. I told them without a written letter to my home i will no longer make payments. I have emailed them 3x asking them to stop calling my work number and they are still doing this. The number that's calling me is XXXX. The gentleman is very rude and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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:
I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00}

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 2020-02-11 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:
I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IN

Complaint narrative:
I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My US Bank mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.

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 2020-02-11 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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$20000.00} XXXX/XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-02-11 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: MA

Complaint narrative:
XXXX XXXX agent XXXX telephone XXXX did a hard inquire on my credit and my wife 's credit without my approval.

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 2020-02-11 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: GA

Complaint narrative:
I was a victim of identity theft due to a data breach with taxpayer.com in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX XXXX For Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.

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 2020-02-11 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: MI

Complaint narrative:
I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX and XXXX  have fixed some of them but TransUnion has not fixed any of the errors.

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