vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 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: CT

Complaint narrative:
My soon to be ex-wife forged promotional checks in XXXX against my Bank of America credit card for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT XXXX # XXXX. She was arrested on XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest on XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00}. Her judicial case is docket number XXXX. 

Charges include 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$2000.00}, on XX/XX/XXXX check forged {$500.00} ; on XX/XX/XXXX check forged for {$1000.00} and ; on XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$5600.00} ( including transaction fees ) was charged against my account. Charges were removed from my account in XX/XX/XXXX under fraud claim # XXXX but then reapplied to my account in XX/XX/XXXX before the local authorities took action. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to XXXX  XXXX XXXX through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to XXXX  XXXX XXXX for over 20 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.

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 2018-12-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI

Complaint narrative:
OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: FL

Complaint narrative:
In response to a previous complaint, Experian JUST sent me results in the mail that DID NOT correct the MANY VIOLATIONS on my report! ( So, this is not a duplicate complaint -- it's in response to VERY RECENT POSTAL MAIL. ) They totally disregarded the violations! There are : accounts reporting as OPEN and CLOSED -- please explain how this is possible and why they're still on my report! There are accounts with multiple violations, including different dates, DIFFERENT balance amounts, DIFFERENT account open/close dates ... ..ETC.! Accounts with CONFLICTING INFO & VIOLATIONS ARE SUPPOSED TO BE DELETED. See attached document!!

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 2018-12-02 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: MOHELA
State: AZ

Complaint narrative:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. Mohela Has had me on it since they bout out the original debt. Please help update that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: AZ

Complaint narrative:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

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 2018-12-02 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: NOVA Financial & Investment Corporation
State: AZ

Complaint narrative:
XXXX XXXX LOANS XX/XX/2018 Mortgage Companies They said they would not pull my credit and now its on my credit as an 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 2018-12-02 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: HI

Complaint narrative:
Experian is reporting a business credit card account on my personal 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 2018-12-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I do not recall pulling my credit this year. Please remove

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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX & XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.

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 2018-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear BANK OF XXXX : Why does your hard inquiry ( XX/XX/2018 ) appear on my XXXX XXXX credit report ( XXXX )? Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, 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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created XXXX different Federal Identification numbers on me. Someone is using my personal information as though I have a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.

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 2018-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
i am writing in regards to western union and they're money transferring services. I've been using they're services for many years usually i don't have a problem, but recently they've been treating me wrongfully by accusing me of doing illegal money transfers. Not only am i locked out from using they're services but they've ruined my friendship/relationship with a girl ive loved for many years by thinking that the money i sent her was fraud which wasn't the case.I demand that they reach out to her and apologize to her, but as to me.i demand that they reinstate my account with them and reinstate my ability to use there services and ability to send money online using my debit card. i will also complain about western union to my attorney general for wrongfully judging my money transfers as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I have asked the collection agency to provide me with documents the will confirm the debt. I lady kept cutting me off and was argumentative so I ask them to never call again until the can establish if I owe them. They continue calling 2 to 3 times a day. On Friday, XX/XX/2018, starting at XXXX pm they called me a total of 13 time back to back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TX

Complaint narrative:
This company XXXX/XXXX XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed 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 2018-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company XXXX/XXXX  XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed 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 2018-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has three or four hard inquiries on my credit report that shouldnt be on my reports. Ive never applied for a credit card. Im a victim of identity theft and just recently, someone tried to obtain XXXX more cards from XXXX different credit card companies. I would appreciate if Capital One would remove these inquiries immediately. My son has the same name as I do. Im not accusing him of any wrong doing but its something to consider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TX

Complaint narrative:
Unfortunately I trusted Citi Bank with my checking needs and they have lied about my account bonus multiple times On XX/XX/2018 I opened a new checking account with Citi. I already had a credit card with them and on my online account they had advertised the following offer : ** " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1. ) Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 2. ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' ** I met those requirements, called and chatted multiple times with Citi representatives who said the offer was on my account and would be given within 90 days of meeting the requirement. 

On XX/XX/XXXX it had been 90 days since I met all the requirements and the terms said the bonus would be posted by then. I called after XX/XX/XXXX and said I still haven't received my bonus and a representative opened an investigation and said it would be given within 2 days. I called three days later and they said the same thing, I called again on XX/XX/XXXX and they said it will now take 60 days to process the bonus .... 

This absurd given the fact that multiple citi representatives said  otherwise and that it would take so long to honor a bonus that I have confirmed that Citi already knows is attached to my account and they have confirmed I have met the bonus. I met the requirements for the bonus on XX/XX/2018 and they are just stringing me along for the ride. I'm really disappointment with Citi and they integrity and honestly dealing with this issue.

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 2018-12-02 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: NV

Complaint narrative:
My credit file was affected by the XX/XX/XXXXEquifax breach. I have disputed this several times with the companies XXXX XXXX, however Equifax refuses to remove the following fraudulent information that were created in my name during the breach : INQUIRIES : 1. XXXX XXXX : XXXX XXXX, XXXX XXXX - Shoe, Hat, Etc. 
2. XXXX BANK XXXX NA Inquiry : XXXX XXXX, XXXX All Banks 3. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 4. XXXX   XXXX BANK XXXX : XXXX XXXX, XXXX All Banks 5. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 6. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY 8. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX   XXXX, CA XXXX 2. XXXX  XXXX  XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNTS : 1.XXXX  XXXX BANK XXXX Reported XXXX XX/XX/XXXX {$240.00} Closed 2. XXXX XXXX FACTOR Reported : XX/XX/XXXX. Collections Please remove this information for me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. When inquiring about credit card accounts under my name with Chase Bank, I would receive a response to my question, but with a totally different account number. I take this very seriously, because after pointing it out to Chase via phone, us mail and branch locations, I couldn't get a valid answer, then Chase blocked and closed my checking account. 
2. I was informed that a had a few Charged off accounts with Chase. Never was informed of it for years. After reviewing statements, I discovered accounts were paid in full before due date, interest fees were added, then a new card was issued to " prevent fraud ''. 
3. Why was I never notified by Chase Bank or sent a settlement check regarding past settlements, which I should have been included in? 
Example : 2009, Overdraft Protection Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Accounts not removed after fraud /theft report submitted

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