vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: VA

Complaint narrative:
I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me

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 2019-12-12 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: Account Services Collections, Inc
State: TX

Complaint narrative:
A paid account with a XXXX  balance with Account Services is still appearing on my credit report and they will not remove it. Please have this removed as it is affecting my credit score and has been paid 3 years ago. The amount paid was {$87.00}

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 non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX, XX/XX/XXXX. Fraudulent amount XXXX  on card from zero liability XXXX  theft. No credit issued or credit replacement card issued to the new address rather than simply mailing the card Chase has not sent the card via XXXX  since the United States Mail is not running for some reason unknown.Specific issues:1. Chase Marriott's Bon Voyage has failed to return my credit card after closing a card due to fraud. 2. Fraud no replacement card.3. Fraudulent transactions for zero liability protection.4. Refusal to return card & allow usage of my card.5. Refusal to provide the bank statement for a period of 3 1/2 years & notifying and contacting Marriott of this problem refusal to allow contact to the credit card & routed for 3 1/2 years to security department failing to explain each time why.6. My calls are confirmed receipt & by fraud the account is taken over by the so-called "security department."  7. My call after phone the company is then hacked & stops working all remaining calls are rejected. 8.  I didn't received advertised interest rate.9.Trouble using your card (making purchases, credit limit)10. Credit card will not allow the bank statements & I don't know the payment amount each mother because of this I am assess late fees not knowing the payment amount &Fees or interest.11. A Fraud charge was not authorized from a company named XXXX  & reported to  Chase Bank Card & Chase has refused to  the confirmed reporting or returning my replacement card.12. Problem with a purchases shown on your statement(billing dispute, fraud, transaction issue)13. Problem when making payments14. Problems with the terms & condition & rewards program & convenience checks & privacy issues someone has taken over the card from the best of my knowledge.15. Problem with credit report or credit score for the above reasons.16. Can't use card to make purchases. THIS COMPANY REFUSED TO REPLACE MY CARD AFTER REPORTING THE FRAUD ABOVE & REFUSES TO SEND IT EXPEDITED IMMEDIATELY AS IT HAS BEEN 4 WEEKS NOW SINCE XX/XX/XXXX &/OR BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX., I recieved an e-mail from Western Union saying my Money transfer is being reviewed.  When seeing this I thought, this must be a scam email because I never sent any money and hardly use Western Union.  I received a secondary email shortly after, XX/XX/XXXX at XXXX XXXX., saying my transaction must be further escalated for review.  At this point, I decided to call Western Union and find out more.  It appears as though someone hacked in to my Western Union account where my banking information was saved and attempted to send $XXXX to XXXX.  I was transferred to the fraud department where they asked me WAY too much information such as my bank account information, my address, etc.  She said not to worry, transaction will cancel and  I will be refunded. I proceeded to remove my information from the Western Union website and change my password.  I then called my bank and notified them as well and made a claim.  I waited the 7 Business days western union recommended for a refund and never received.  I called back on XX/XX/XXXX and they told me the amount was already refunded to my account. I called again and they told me oh we will need you to send a copy of your ID.  I refused because at this point  I do not trust the company!  I received more emails asking to send a copy of my ID so that they can finish the TRANSFER to XXXX.  I refused to send my ID for both those reasons. One i do not want the money to be transferred, two I do not trust Western Union is doing their job correctly and is misleading me.  I checked my bank again multiple times and did not receive a refund.  I called my bank and they assured me not to worry as my claim is already completed through them.  As of today, XX/XX/XXXX, I still have not received a refund, BUT, I received an email from Western Union again saying my transfer has been completed and is available for pick up for the receiver in XXXX.  At this point I have become Enraged.   I logged on to the website, it shows the transfer is complete and the receiver should bring in ID to pick up the money.  I chatted with a representative at western union who told me not to worry, the money is not available for pick up and the refund process has started and will take about 7 business days.  So now, we are back to them saying 7 business days.  I have been hearing so many different things.  I am missing $XXXX from my bank account, and western union has not given me one straight answer from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This is my first time attempting to get my credit report from Experian through XXXX. 

I fill out the online form and when I submit, I receive the following message : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. '' My credit score has dropped significantly and I'm noticing strange debt in my credit card report. This service is offered freely for us tax payers, and I thank the US government for that. However, Experian should be accountable.

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
At XXXX XXXX they called requesting payment as it was due on the XXXX.  I let them know I will be paying the bill on the XXXX when I get paid, I asked for them not to call me again before the XXXX. At XXXX XXXX they called again requesting payment and wanted to know why I cannot pay today.  I let them know again that payment would be made on the XXXX, please do not call me again, I am at work.  At XXXX XXXX they called again, I told them if they do not quit calling me that I would turn them in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have gotten 4 voice mails for my husband's niece for a creditor. They have left messages on the following dates and times:
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: NY

Complaint narrative:
Experian, XXXX & XXXX My credit has been declining for a few months.XX/XX/2019 I paid off a lot of my debt my score was XXXX since then it has decline especial the past 3 month, I went from a XXXX to XXXX ... I have no recent late payments, last late payment was 7 years ago. I have a good long standing credit. I did have an incorrect inquiry from XXXX which I can not resolve, they ran a credit check and I was not told I could not have a joint signer, other that that no big activity, I have recent usage, but not for my score to go down that extreme. I paid of my student loan, just under 10K and  that seems to also have decreased my score. I am a good credit risk and I look at my score everyday and I have written to all three bureaus and called and questioned it no one can give me a reason as to what is going on. I need it to be a stable number back to a XXXX at least if I do decide to take a loan I wont get the best rate because there is a systematic issue, your help is needed 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 explanation
Consumer complaint received 2019-12-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX at XXXX, a man named XXXX XXXX from Harvard Collection Services called me asking to verify my name, social security and birthday, which were all correct, but I refused to verify the information because I do not owe any money giving XXXX no reason to call me and ask for verification of private information. Just to be sure I had no outstanding debt's, I looked up any outstanding balances which appears on my XXXX account. After seeing that in fact, I do not owe any money at this time, I called back and asked for the companies address, phone number, and name of the person with whom I was talking to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX  Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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 would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is my third situation dealing with incorrect minimum account balance fee logic at Citibank with their former Citibank Gold ( now Citibank Priority ) product. The prior two occurrences have been solved in person at branches whereupon staffers expressed confusion as to how their systems calculated a simple fee incorrectly. I no longer reside in an area with Citibank branches and support over the phone was unable to process the refunds with their interface. 

Here is a sample of what is occurring with my account. The minimum average daily balance is {$50000.00} : Starting balance, XX/XX/XXXX : {$52000.00} Minimum balance in XXXX : {$52000.00} Ending balance, XX/XX/XXXX : {$52000.00} Minimum balance fee, XX/XX/XXXX : {$30.00} Citibank is obviously not computing minimum balances correctly given the above. Fees appear to be automatically charged with no way for agents to fix them. 

I have also noticed that when fees are refunded due to being incorrectly charged, the minimum balance calculation does not get credited appropriately. For example : XX/XX/XXXX : {$50000.00} <- validated in person as sufficient balance for XXXX XX/XX/XXXX : - {$30.00} <- fee determined to be invalid in person XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$49000.00} XX/XX/XXXX : - {$30.00} <- second fee determined to be invalid in person XX/XX/XXXX : + {$60.00} <- refund of two invalid fees XX/XX/XXXX : + {$1.00} <- interest payment XX/XX/XXXX : {$50000.00} <- entire month > $ XXXX if not for invalid fees XX/XX/XXXX : - {$30.00} <- new invalid fee, entirely charged due to other invalid fees The staffers on XX/XX/XXXX confirmed to me in person that a fee would not be charged on XX/XX/XXXX. Given that they were incorrect, it would seem Citibank is not capable of actually performing intended consumer refunds. 

In my case, I would like six months of fees refunded, for a total of {$180.00}. 

Given the scale of Citibank, aggregate affected accounts could mean millions of dollars per year in invalid fees nationwide.

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 2019-12-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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 would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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