vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 : Received email notification of account balance, which was {$77.00} more than anticipated. 
XX/XX/2020 : Pulled up new statement which had a {$75.00} balance transfer fee of which I was unaware. Called Citibank and was told that there was a 5 % transfer fee on an advance made on XX/XX/2020. I explained that there was no notification of a transfer fee on the transfer check. 
I was transferred to XXXX, Account Manager in the Client Advocacy Unit and was told that the fee was noted on the first page of the letter of qualification ; not on the checks. I indicated that had I known of the fee I would not have requested implementation of transfer check. I then asked if she could send me a copy of the letter, not necessarily my specific letter, but a formatted letter that was sent out - no name, address, or account information on it. Just the form so I could see for myself where the fee notification was stated. She told me to look at the letter which was sent to me. I explained that once I used the check, I shredded the packet, which included the letter and additional checks which I did not use. She said I needed to wait until Marketing sent me another offer-letter packet to read the verbiage. She couldn't tell me when that might be. I requested that she have Marketing just send me a blank packet which was voided. She told me that she could not. I asked her to waive or reduce the fee if I paid the balance off today. She said she could not do that. I asked her to speak to her supervisor and was told that there was no one over her. ( She actually said that! ) I then asked which federal agency regulated her bank and she said I would need to do my own research. She couldn't tell me that.

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 2020-01-24 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:
Equifax is reporting inaccurate information on my consumer report i filed a dispute XX/XX/XXXX about fraudulent accounts being on my credit report jpmcb card and a XXXX XXXX card Equifax sent a correspondence XX/XX/XXXX and stated that they verified the chase card belonged to me with know proof of verification as i requested there method of verification and they never sent it to me they have my name spelled incorrectly and they also have the wrong address on file. I understand that equifax is supposed to report 100 % accurate information but it seems like they are willingly reporting inaccurate information even though there are flaws in my consumer report. I ask that equifax delete the XXXX account off of my consumer report and delete the XXXX XXXX file off of my consumer report immediately they marked the files as closed but they need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received my monthly statement from Amerihome Mortgage. On the statement, there was a {$16.00} Property Inspection Fee applied on XX/XX/XXXX. After calling, I was informed that this inspection fee was triggered because my account was reported 45 days past due. This is not correct. Amerihome Mortgage bought my mortgage from XXXX XXXX. Before my first payment was due, XXXX sold my new mortgage to Amerihome. My first payment was sent to XXXX per the instructions, however, they posted this payment incorrectly. This caused several problems with my credit report and false delinquencies. After 2 complaints to the CFPB concerning this issue, this issue was corrected and my credit score repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early 20s so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent several dispute letters stating that the public record reporting to me is inaccurate.. Transunion verifies bankruptcies thru XXXX.. I have included letter from XXXX stating that they have removed it from there record so how are they verify this public record ..Im a victim of id theft. My father has same name as me XXXX XXXX he has filed for bankruptcy.

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 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have a PAY PAL account. On XXXX XXXX I received an E-mail from PAY PAL indicating I had a balance of {$4400.00}. I notified them to transfer {$4000.00}. directly to my personal bank account. They did and I received the {$4000.00} into my XXXX XXXX XXXX XXXX account. I checked the following day and was informed that I OWED {$4400.00}. 
There had been 17 withdrawals from my Pay Pal account from a XXXX HOSPITAL. 
I do not know a XXXX Hospital or have ever done any business with them.

PayPal froze my account until I re-pay to them {$4400.00}. 
On XXXX XXXXthe I received the 10th collection call from PayPal. I explained to each agent about my dilemma and that I did NOT owe, PayPal. I acknowledged that I had requested {$4000.00}. from my account and it was deposited into my personal bank account. 
That I did not know a XXXX HOSPITAL. 
oN XX/XX/XXXX AT XXXX I received an e-mail from PayPal `` we noticed unusual activity on your account and are concerned about potential unauthorized access. '' At XXXX I received and e-mail that stated " We've completed our review of your unauthorized activity case. Pay Pal determined there was no unauthorized use. We found this transaction is consistent with your Pay Pal history. 
One of the Collection Agents said Pay Pal spoke with XXXX Hospital and an error had been made and XXXX Hospital sent back 17 transactions. At the same time when they were received Pay Pal forwarded them to an account they say was mine. Account # XXXX ( last four digits ). That is NOT my account and never has been ... .I did not receive any of the 17 transactions. Pay Pal says that is their record of my account number ... ... I checked all my VISA cards and contacted my XXXX XXXX XXXX and they have no record of that credit card in my name or account number. I did learn I have been with XXXX XXXX XXXX since 1979 ... .forty years! XXXX XXXX XXXX is the only VISA card I have.. I have others,, Mastercard, XXXX XXXX, and XXXX. 
Pay Pal has informed me that they were authorized for a 'charge back ' when they forwarded the money to that account number XXXX. I have pleaded with Pay Pal to use their resources to trace the owner of XXXX. I have just received the 11th collection call from PayPay asking me to set up a payment schedule to repay the {$4400.00}. 
I desperately need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get onXXXX in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

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 2020-01-24 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: TN

Complaint narrative:
I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
EXETER FIN has two charge off accounts listed on my credit reports. One charge off in the amount of {$15000.00} stated Date opened XX/XX/XXXX. The other charge off in the amount of {$7600.00} stated Date opened XX/XX/XXXX. I sent the company two Validation Letters XX/XX/XXXX, but I never received any response. I sent one to XXXX. XXXX   XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I was given no evidence of my obligation to pay this dept that is not mine. The Fair Credit Reporting Act requires the collection agency to verify the validity within 30 days. 
EXETER FIN has not followed the laws of the FCRA when they did not respond to my Validation letters sent in XX/XX/XXXX. If the validity can not be verified, they are obligated by Law to remove the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX form ARS National Services Inc they are collecting a debt on behalf XXXX XXXX. The letter is in Spanish but is a settlement offer to resolve a my debt with XXXX. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from XXXX. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like XXXX is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called XXXX to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I got a 2nd credit card from Home Depot as the pushed it in the store. Citbank issues the Home Depot cards. I called to make a payment on the card and was told there was a XXXX balance on the card. 

I make numerous purchases at home depot as a contractor. Anyway I finally did find out there had been a purchse of around {$57.00} on the card which I paid if full. However Citibank had added late charges and continued to add late charges each month in spite of the fact their customer service representative had stated there was a XXXX balance. Citibank today tried to bill me {$150.00} - all late fees. Their customer service representatives are not able to do much about it because of Citibank policies even though most of them said they would eliminate if they could. They have also done what they can to hurt my credit over this matter that was caused by their customer service not seeing a balance. 

Citibank management must be a very obnoxious rude group. I will stop using their card and suggest others do as well. Card ends in XXXX and was closed today. The card number on the attached is the still open card and not the one with the late charges. I never saw the card that has the late charges but was told by Citibank customer service it ends in XXXX. They were not allowed to say the whole number.

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 2020-01-24 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: FL

Complaint narrative:
I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: IL

Complaint narrative:
My social security number has been stolen. This person that stole it lives in Texas, and I live in Illinois. I have their name and address. They have open 1 credit card in my name ( Opened XX/XX/XXXX ) and tried to open several others ( XX/XX/XXXX ) but were unsuccessful. The credit card they opened in my name is with XXXX XXXX, I have called them explained my situation and they thought I was the fraudulent person because the address didn't match! Then on my Equifax they changed my address to theirs in XX/XX/XXXX! I am extremely worried about my information and my credit being affected by all this, and I seem to be getting no help from the companies involved. Please help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
Equifax is reporting incorrectly the XXXX partial account number ****XXXX. This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with this bank. This account needs to be removed from my credit report. I have contacted the bureau as well as XXXX XXXX  to remove this account however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-24 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: GA

Complaint narrative:
XXXX XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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