vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had applied for Balance Transfer with my XXXX  card ( XXXX XXXX ) of {$1600.00} in XX/XX/XXXX. I had given below details on my request. I gave Debit Card number, and didnt realized that we have to give credit card number only and cant give debit card number. 
Citi Debit Card Number : XXXX XXXX XXXX XXXX CITI DEBIT  CARD account I waited for some time for balance transfer to show up in my Citibank checking account, but when I didnt received, I started calling XXXX XXXX and they asked me reach out to Citi bank. I reached out to Citi Bank on chat and call, but didnt help. I told Citi representative, how I can share evidence shared by XXXX XXXX. They asked me to send mail and hence I am sending this mail with evidence After talking to XXXX rep, He told me that we should not put debit card number in balance transfer, may be that is leading to this break, but I was not aware of that at that time. XXXX XXXX is saying that this check has been deposited in Citibank, and hence they cant cancel this transaction from their side. 
I have attached communication with XXXX XXXX and evidence they have shared on this. 

I tried escalating this in Citi customer call many times, but with no help. Then someone ask me to send documents to mail, which I did on XX/XX/XXXX. I have attached that communication as well. Then someone asked me to leave feedback on website which goes to special team and they will reach out to me, but no one from Citi have reached out to me yet. 

Can you please look for this check deposit and find why its not yet deposited in my account? I have closed my Citibank recently. Can you please track this transaction and send me this money or check please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB, Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimum payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. I thought that the situation could be resolved, but as of today Bank of America has not provide me with a way to set up the minimum payment online in computer or in my phone app. Every time I called they advised me to change my minimum payment online and refuse to do it for me over the phone or send a form and online the option is not available. 

Attach is a screenshot of their online form in which it does not include the minimum payment. I want all the fees unfairly charge. 

Thank you for your support CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 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:
There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX XXXX  and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.

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 2020-01-16 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:
There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX Card services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.

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 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Repeated calls from Direct Recovery Services. I am not the person they are trying to reach yet they continue to call. I don't even know whomever they are trying to reach. I've had this phone number for more than 10 years, so there's no way they can claim their information is current or appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I purchased our honeymoon trip through Capital One 's travel site because they recommend that over directly through the airline. We purchased our flight with our points ( XXXX miles ) but were unable to purchase anything else through their site. No baggage, seat selection or travel insurance. 
We are now experiencing a situation where we can not travel. We have a soon to be XXXX month old   who we are unable to leave with anyone due to a personal situation and we can no longer take our scheduled honeymoon trip as planned. 
I have called 3 times - 2 of which I was hung up on after 30 and 70 minutes of call time. The third time I was transferred multiple times only resulting in them letting me know that while I have travel benefits ( mind you, a travel card ) they do not have trip cancellation. They are aware I purchased directly through them and they do not offer the option of purchasing travel insurance. They have completely washed their hands on the matter and it is up to me to take the loss. I find this unacceptable considering I purchased directly through them at their recommendation and they did not give me the option to purchase trip protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted 4 disputes to XXXX  and Experian for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX   XXXX  for {$300.00} ; but XXXX  and Experian is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.

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 2020-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 I was approved by a XXXX XXXX the Landlord to move-in to a house that I later discovered that was not his. From the XXXX to the XXXX I sent four daily transaction of {$500.00} through Wells Fargo via XXXX. After I paid an accumulated amount of {$2000.00} I discovered that said Landlord did not own the property. I called XXXX to dispute and/or cancel the transaction they said they could not do anything and that I would have to talk to Wells Fargo. So I called Wells Fargo to disputed and/or cancel the transaction. They said they would start and investigation. Later I received a letter from Wells Fargo stating that the result of the investigation came out negative. They refused to give me any money though the transaction was through their platform.

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 2020-01-16 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 did not Authorize this account. someone has stolen my identity. 
This is a Fraud Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 did not Authorize this account. someone has stolen my identity.

This is a Fraud 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 2020-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a service product with my Bank of America credit card. The merchant said if it was not a good fit, I could receive a refund. 

On XX/XX/XXXX, I asked for a refund. 

On XX/XX/XXXX, the merchant, XXXX XXXX, responded to one of my emails, stating, " I have agreed to refund all your money and it should be in your accounts already. '' I checked with Bank of America and they did not have the funds. Bank of America asked me to fax this information ( notice of refund ). 

On XX/XX/XXXX, I faxed the information to Bank of America. 

On XX/XX/XXXX, Bank of America advised me to pay my minimum balance while they investigated the issue. They said they would post a temporary credit and refund the minimum balance payment. 

XXXX XXXX, XXXX XXXXXXXX XXXX attorney, notified me that XXXX, a third party company, had the funds and would come to a dispute resolution by XX/XX/XXXX. 

On XX/XX/XXXX, XXXX said Bank of America had the funds. 

On XX/XX/XXXX, I spoke with Bank of America and they did not have the funds. 

I made several calls between the period of XX/XX/XXXX and XX/XX/XXXX, requesting for Bank of America to follow through with their statement of offering a temporary credit while they further investigated the issue. My credit score has fallen 100 points and has been negatively impacted.

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 2020-01-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to Equifax and The Internal Revenue Service my personal information was exposed in both of their data breaches. Equifax, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently reviewed my credit report and I discovered there was a Wells Fargo account on my credit that I did not open. I did not authorize any of my information to be used.

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 2020-01-16 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:
THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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:
My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit bureau, XXXX XXXX, and XXXX XXXX XXXXXXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In XXXX I had a loan from ace cash Express. I couldn't make an payment so I refinanced the loan. Still unable to pay my grandmother and my younger sibling both recieved calls from ace cash Express on XX/XX/XXXX. They were told that XXXX county ( which is the county I reside in ) will be filing a law suit against me and that they will find me. Not giving them a name who called or the reason for the lawsuit. My grandmother has the voicemail saved. So I get notice about the calls and I call them back. They never called me which I thought was odd. They tell me about the lawsuit and tell me to pay it. They said I was being sued for fraud and not being able to pay back the loan. I feel threatened as if they were making me give them money no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance Bureau of Collections
State: LA

Complaint narrative:
Left message saying this is XXXX from investigations services, I need to verify location information regarding certified documents, if no contact today, our field agent will be distracted to the property address or the place of employment record. it is very important and no response will result in an order of noncompliance in a filed action for service. Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-01-16 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: OH

Complaint narrative:
I am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, 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 explanation
Consumer complaint received 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX CREDIT CARD FRAUD CLAIM XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED XXXX XXXX   ISSUED Reps claim credits given on XX/XX/XXXX Statement which says TOTAL PAYMENTS AND CREDITS for this period {$400.00}. XX/XX/XXXX Adjustment Purchases CREDIT {$190.00} lists on front page with my payment of {$200.00} and XXXX XXXX THIS TOTALS {$400.00} AND ** IS ALL CREDITS and payments for this period The XXXX Adjustment Purchases {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER APPLIED Where are the permanet USAA credits of {$470.00} this letter says were issued BUT NEVER APPLIED? 
Why the New Purchase Adjustment Purchases XX/XX/XXXX {$190.00} and why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing is collecting a unpaid bill from XXXX XXXX XXXX, I do not own money to XXXX because when I sign up for their services they promised me a credit for switching to them. When I tried to contact them to apply the credit on my account they told me the credit was applied and I didn't have a unpaid balance.

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