vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: SD

Complaint narrative:
I used my Citibank MasterCard to purchase a ticket on XXXX airlines on XX/XX/2020. In late XXXX, they cancelled the flight and they provided me with an email assuring that they would refund the fare. They did not. I filed a billing dispute with Citibank. Under the fair credit billing act, a charge for a service not rendered is an invalid charge and is mandated to be refunded. Citibank contends it is an honor system and that they can not reverse the charge. They can only ask to airline to refund. The airline refused their request, despite my providing the written email from the airline assuring a refund. Citibank says I need to sue the airline, which is impossible because they are overseas. The amount is {$100.00}.

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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
last year I tried to pay off the loan ocwen sent my bank an overblown payoff with no proof of the quote.i had previouslyrequested my payment history and it said XXXX they sent a payoff quote of XXXX the original amount I borrowed was XXXX from XXXX back in XXXX there fore I went into a 3rd straight bankruptcy dealing with all these companies. XXXX, XXXX, ahmsi, homeward, ocwen, now phh. I had a complaint against ocwen last year with the cfpb for changing my maturity date and adding on 5 months to my loan and they lied to me and the cfpb saying I was wrong. even though I showed them the proof.well when I filed the bankruptcy to stop the forclosure the maturity date had changed back to the original date. I have that proof. the money never came off. I owed XXXX in principal and interest according to their records.then when they sent in they proof of claim it was now XXXX with no proof I have seen. plus another 8.25 percent interest on the XXXX. I put the house into the bankruptcy to make sure I get credit for it since they never over 15 years gave me credit for my payments. here is what I want from them ; proof on my account what I owe ; dates the money was posted to my account, credit for the extra 5 months they added to my account and what I owe them down to the penny.also my chapter XXXX was dismissed XX/XX/XXXX and XXXX dollars paid to them and that too should be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.

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 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want to connect my account for a potential mortgage and other saving accounts and it wont let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had {$900.00} dollars in my Cash App account that I did a transfer for on XXXX at XXXX to my bank account. I did not do the transfer immediateIy since that was going to cost extra. I thought once I did the transfer the money would be safe. I have the face ID as well as the pin number confirmation on my account for transfers. I got a notification from my bank that someone was trying to cash app themself money and I declined the transaction. I went on my account and someone had changed the name, the email, removed my phone number and did an instant transfer from my account to the MasterCard for the money that was pending deposit. this occurred on XXXX at XXXXThey did an investigation and on XXXXdetermined there was fraud on my account and asked that I make a new account, send them the information and I would be reimbursed. I have emailed them multiple times and have not gotten a response since that email asking for my new info. The only was to contact them is through the app via email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
*********Hello, my name is " XXXX XXXX '', I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX `` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX ** Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX . XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
XXXX CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!

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 2020-06-11 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: CA

Complaint narrative:
I called Transunion to complain about this company that keeps pulling my credit without my consent and was told to contact the creditor.

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 2020-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX2020 I was notified that a fraudulent unemployment claim was filed in my name. I went through all of the dispute and protective steps to file a claim with all of the involved agencies. I also wanted to put a freeze on my credit with all three credit reporting agencies : XXXX, XXXX and TransUnion. I was successful on XX/XX/XXXX with both XXXX and XXXX but was locked out of TransUnion after not being able to answer their " out of wallet '' questions. I was unable to call them due to the time difference - I'm on the West coast. When I attempted to unlock my blocked account, the experience was extremely difficult and hard to find on their website. It is my experience that TransUnion is not client-friendly nor is their website easily navigable. They seem more interested in selling a monitoring product for {$24.00} vs. making it easy to clearly see a spot to freeze one 's credit. The difference in consumer experience between the other agencies and TransUnion is noticeable - enough that I would like to file this complaint against them formally.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Company Navy Federal Credit Union I closed my account with XXXX XX/XX/XXXX and received two cashier checks one from checking and savings checking cashier check I cashed inside of Navy Federal Credit Union in the Amount of XXXX on XX/XX/XXXX with I placed the funds in my account after check cleared my saving balance of XXXX I cashed three the ATM on Sunday XX/XX/XXXX Navy federal made XXXX available and the at XXXX XX/XX/XXXX the remaining XXXX cleared and place in my account for use the At XXXXXX/XX/XXXX on XX/XX/XXXX I tried to make a gas purchase it came back as declined I then contacted the bank Navy federal stated that the check was put back on hold for funds not being available from XXXX so give it another 24 to 48 hours Then on Wednesday XX/XX/XXXX I went to XXXX after being told from Navy Federal The Check was Flag for fraud and that It was a bogus Check Per XXXX XXXX teller I received information the the check cleared there account on the XXXX of XXXX and was paid and received confirmation of that and with a teller stamp went to take the information to Navy Federal In XXXX XXXX  Here in XXXX Texas and the teller I spoke with stated that she had never saw a teller stamp before and didnt understand or no what XXXX was submitting to them and declined to take of the hold for funds per the bank a bank stamp should be recognized I confused The Navy Federal Stated that the federal reserve hadnt sent information needed to release my funds and then stated the FDIC hasnt sent over information that the check should be cleared so Im confused call all those companies each company stated they dont send information to Navy federal to clear checks in there system I need help with this situation I feel like Im being accused of fraud and I havent committed fraud and during covic-19 its hard to make ends meet I need that bill money at this 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 2020-06-11 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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.

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 2020-06-11 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
I have settled my account for {$800.00}. The balance was {$1200.00}, and the collection is showing that I owe {$430.00}. I have filled disputes.and its coming back as accurate. Thats ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
CHAPTERXXXXBANKRUPTCYFILEDXXXX

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 2020-06-11 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners LLC Account # XXXX, XXXX {$290.00} {$100.00} I have reached out this company several times, In reference to these accounts. These accounts are an result of identity theft. Iam disputing this debt because it is not owed by me.This violates the fair credit act by reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please issue provisional credit for dispute confirmation number XXXX in the amount of {$19.00} submitted on XXXX XXXX, 2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX   XXXX XXXX {$200.00} XXXX   XXXX {$2800.00} XXXX XXXX   XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX   XXXX {$310.00} XXXX XXXX {$2400.00}

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 2020-06-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder TD Auto Finance failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. TD Auto Finance claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
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 2020-06-11 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

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