vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted citi through the number XXXX four times regarding a {$1000.00} XXXX transfer from citi acct. I entered the right recipient 's email address and name for a transaction on XX/XX/XXXX. I received a confirmation email after the transfer. The confirmation email shows the right recipient 's email that begins with 'XXXX ', but the recipient 's name is not my friend 's name. At first I thought that's unauthorized. So I contacted the bank right away. On the second day after discussion with my friend, i believe it may be a system glitch. So I contacted the citi again on XX/XX/XXXX to get it confirmed. I asked citi representative during the call what email she saw on her end. She told me an email that began with 's '. This confirmed my guess that there was a system glitch involved. I told her I entered the email beginning with 'XXXX ' and my confirmation email could support my saying. so she added the notes for the investigation. However, the citi declined my dispute on XX/XX/XXXX without looking into the notes ( declined by reason 'transaction authorized by user ' ). So I contacted the citi the 3rd time on XX/XX/XXXX. The representative opened another dispute for me. I asked him how i could submit my evidence showing I put the right info. He told me they don't have a way to receive it but suggested I could try to go to citi branch to fax. I faxed my evidence on XX/XX/XXXX. Yesterday ( XX/XX/XXXX ), I received a mail from citi which declined my dispute again by the reason 'typo may be made by user '. As I have the proof showing that I didn't make the typo when entering the recipient 's email, I contacted the citi the 4th time today on XX/XX/XXXX. A lady took my call and through the conversation, she ignored me many times without replying me. She was even not clear or trying to get clear about what happened. When I asked her what we could do, she hang up my call. I never thought the citi bank could treat the clients like this. They don't care about the evidence, and even treat the client 's call rude. 
To summarize the above, I entered the right recipients email XXXX and I have the confirmation from citi to support this. However, the citi database shows the transaction was going to another email XXXX. Citi ignored my faxed evidence and passed the buck to me saying the user might make the typo which I didn't. To make the situation worse, Citis representative refused to communicate and hang up my call when I called in to dispute.

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: IL

Complaint narrative:
I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company Lowes on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both XXXX and Lowes several times by phone, and certified mail. this issue was ignored

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 2019-10-09 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: IL

Complaint narrative:
I recently obtained a copy of my credit report from Equifax that indicated that a credit inquiry was made by your company XXXX on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both Equifax and XXXX several times by phone, and certified mail. this issue was ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to get a car loan at XXXX XXXX XXXX in XXXX XXXX, California. I authorize running ones my credit score and the result was that they did it bot with two companies and the credit score that I was taking care as a baby to increase the point, drop-down several points. I'm no agree with what they did. They suppose to check my credit just ones. 
Companies that they used to check my credit : Coaf XXXX XXXX XXXX XX/XX/2019 No idea the amount they were asking for. 
I will appreciate your help please, I want to take care of my credit as good as possible. 
Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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:
I have an information on my credit report ( Hard inquiries ) that don't belong to me. 
How I can take out This Hard Inquire from my account? It's affecting my credit score.

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 2019-10-09 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:
I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.

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 2019-10-09 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: CA

Complaint narrative:
I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Each time I attempted to obtain credit or a credit report, Equifax will not release information. I've several attempts to have this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I requested proof of debt responsibility from the company National Credit Systems via phone. I requested to obtain original papers signed by myself that I owe a company called National Credit Systems or any affiliates and 3rd parties. National Credit Systems sent me papers via USPS that are visibly scanned and copied papers. According to the Law, copies are not sufficient proof that I am responsible for this debt or that I am responsible for this debt. To conclude, National Credit Systems will not provide to me original paperwork, signed by me. In addition, " National Credit Systems '' continues to reappear on my credit as a " new account '' every year, for the last 6 consecutive years. Collection agent from National Credit Systems, Miss XXXX, stated to me via phone in XXXX XXXX, that the removal time frame starts over when a debt is transferred and or sold to a new collection agency as well as after any and all disputes for this collection account made by me or any person 's. Miss XXXX stated via phone, this debt will remain on my ( XXXX XXXX ) credit report " forever '', and keep starting over as if it were from day # 1. National Credit Systems originally appeared on my credit as a debt from XX/XX/XXXX, in the beginning of XX/XX/XXXX. Over the years, the dates have changed many times as to when the account was originally opened .Currently my credit report States ( beneath the name National Credit Systems ) " opened '' XX/XX/XXXX. All of it seems invalid and not sufficient to be on my credit or that I am in fact responsible for this debt of {$4200.00} to National Credit Systems or their affiliates. Miss XXXX stated that her computer shows I am responsible for a debt of {$4700.00} but on my credit it states a different amount in which does not make any financial sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this due to non-compliance with the credit bureaus ( Equifax, XXXX and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: TX

Complaint narrative:
I am writing this due to non-compliance with the credit bureaus ( XXXX, XXXX   and Transunion ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.

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 2019-10-09 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: TX

Complaint narrative:
I am writing this due to non-compliance with the credit bureaus ( XXXX, Experian and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.

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 2019-10-09 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: Avant Credit Corporation
State: WA

Complaint narrative:
XX/XX/2018 XXXX/avant XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/2018 XX/XX/XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: WA

Complaint narrative:
XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

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 2019-10-09 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX avenue My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX XXXX My information was used, did not allow my information to be shared, theres no open account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX Jpmcb My information was used, did not allow my information to be shared, theres no open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Capital MPRC XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XXXX XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XX/XX/XXXX No account open, did not allowed my information to be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XX/XX/2018 XX/XX/2018 Target Corp No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/2018 XX/XX/2018 XXXX XXXX No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Several on going problems with the PNC banl rather than put my health in any way at risk by formal or whatever type of complaints would rather speak with corporate pnc customer service than immediately over assume the situation that the bank stole my money or had fraudulent workers misrepresenting the bank which has resulted in thousands of dollars of potential unrecoverable or payable total loss financially and put mt health at risk when corporate may be able to fix once they look internally about bank representatives pretending to represent pnc and mislead me to gain account information and access which has been reported to pnc bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have found that Allied Business Services have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. 

In review, I have never signed a HIPPA form authorizing you ( allied business services ) to have access to any of my medical records, files or information. Therefore, I am advising you that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. 

I am also requesting that you remove any and all negative reporting of this matter to credit bureaus immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also am requesting in writing from Allied Business Services to provide me proof in document form that they cease any collection matters regarding this matter and erroneous reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Tuesday XX/XX/2019 I paid my balance in full ( XXXX ) to Bank of America for the card I have with them. It then showed I had a XXXX balance. I called in because I was seeking a credit limit increase. I looked 2 hours later at my Bank of America account and saw that there was no reflection of my payment. I called in and the operator couldnt find it either. This morning I looked and there was no reflection of my payment and now there is a new balance of XXXX. 

The confirmation number of the payment was XXXX For XXXX. I looked at the close date and realized that if Bank of America doesnt reflect this payment until the 10th they would have a right to interest, this is a tactic to fee harvest. And I would like it brought to light. Ive had this card for 4 years and Im sure this was not the only time I have been cheated.

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