vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I was contacted by Pro-collect in XX/XX/2019 regarding a {$910.00} debt for XXXX XXXX in Texas. I am a victim of identity theft. I have filed a police report and I have provided a copy of my police report, identification, my mortgage statement, and my power bill. I forwarded this information to Pro-collect to prove that this debt does not belong to me. I have requested copy of the identification that was provided to XXXX XXXX and a copy of the lease and/or application to compare my signature. This information has not been provided to me. There is no identification on file, no drivers license, no passport, no ss card, and the lease was signed electronically, so no signature. Pro-collect is aware of this and still will not delete this account. This debt does not belong to me. I am a Georgia resident and I have NEVER lived in Texas. I did not give anyone permission to use my information for any reason. I need this collection debt removed. 

I am attaching a copy of the police report, an identity theft report/affidavit from the federal trade commission, proof of utilities via XXXX XXXX  and XXXX XXXX, and a copy of my mortgage statement.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.

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 2020-04-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a tour company and I use citi credit card to purchase airline tickets. Because of the coronavirus recently, I am getting a lot of air tickets cancelled and the money keeps returning to my credit card, so the balance became negative and the amount citi bank owe me keeps increasing. 
On XXXX, the balance was around XXXX so I called citi bank to requested a refund to my checking account. 
On XX/XX/XXXX, I messaged citi bank to ask about the progress and was told the refund request was declined because of the amount requested was larger than the amount they owned. They were lying because the balance was around XXXX when I called. 
On XX/XX/XXXX, I messaged citi again and ask them to send a refund of XXXX to my bank account. My company is suffering from the impact caused by the coronavirus so we need the money desperately. 
It's XX/XX/XXXX today and the balance is now around XXXX and I still haven't received the refund. 
During such a difficult time for everyone, shame on you citi bank!

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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.

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 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I was in my local branch of Fifth Third bank where I am an account holder requesting a cash advance on my credit card. A manager overheard me speaking with the teller and offered to open me a line of credit instead. He suggested a XXXX limit and I agreed. I had the line of credit that day. In XX/XX/XXXX I received the attached letter from Fifth Third suspending my line of credit. As I was not aware of any changes to my credit history, I went to the local branch and spoke with the manager. He immediately checked my credit in is office and agreed there were no changes and asked me for the letter so he could research it. The following week, having heard nothing, I called the manager, XXXX XXXX. He told me the reason for the suspension was that I 'had used a large amount of my credit line '. I then asked him for the letter back and he said he would find it and call me back. A week later when I called, I was told the letter was " shredded ''. I asked him to get me another copy, and after waiting several weeks I contacted XXXX XXXX on XXXX XXXX at Fifth Third headquarters who said she was working on getting me a copy. I finally received the attached copy several days later. I then contacted XXXX XXXX  XXXX  as the Fifth Third letter recommended and requested a copy of my credit report ( attached ). The credit report showed NONE of the factors referenced in the Fifth Third letter. I then called Fifth Thirds lending department in XXXX to ask about the discrepancy and was told I could not dispute the suspension even if it was in error. On XX/XX/XXXX I sent the attached letter certified mail to Fifth Third and received confirmation it was from the US Post office. ( receipt attached ). Almost three weeks later I had not received a response to my letter and called Fifth Third again on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX who referred me to her manager XXXX. XXXX confirmed they had received the letter and that it had been assigned to case manager XXXX. She told me he was on another call but took my phone number and said he would call me as soon as he finished. I have not heard from anyone at Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was told to call my unemployment us bank card about my funds and I got no respond back. Now, I email the unemployment about my bi-weekly claim and they told me to call the card. Which I been trying all day & yesterday about my funds. I had went online and XXXX keeps saying this card not even activated but I do have a PIN number. The online system isnt responding my request. I been calling all morning about my issues about this card. I need my funds. Every time I call it back the line is busy. Or it just hang up

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I RECEIVED A LETTER ABOUT FROM MIDLAND CREDIT MANAGEMENT INC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX XXXX. I HAVE NEVER DONE BUSINESS WITH MIDLAND CREDIT MANAGEMENT INC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX  XXXX  XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bilXXXX, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2020-04-22 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:
Wrong Inaccurate information, 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 explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
Wrong Inaccurate information, fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
The items listed are not my items

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 2020-04-22 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:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. 

Numerous unauthorized hard inquiries are also showing on 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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
The items listed are not my items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
The items listed are not my items

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XX/XX/ I made an attempt to call to inquire about the collection on my credit report. The person instructed me to give them my personal information. They refused to give their name and told me I couldn't speak to a supervisor and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor.

Numerous unauthorized hard inquiries are also showing on 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 2020-04-22 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:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. 

Numerous unauthorized hard inquiries are also showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The FTC suggested I contact the Consumer Financial Protection Bureau, which has given me instructions which I am now following. 

The problem started with the theft of my identity in XXXX. Under the suggestion of the FTC, I placed credit freezes on three credit reporting agencies : XXXX XXXX, XXXX  XXXX XXXX and Experian. I eventually removed the freezes from XXXX XXXX and XXXX  very easily by simply phoning them, but Experian has proved impossible to remove. 

Recently I had the issue come up again while trying to apply for a credit card. I called Experian and received recorded messages of the steps to take. Per recorded instructions, I sent a cover letter with the information requested, along with copies of two bills to verify my utility accounts and my current address. I mailed this via USPS on XX/XX/XXXX. 

I have not been informed as to whether Experian received my request or whether my request to lift the freeze has been granted. 

I have spent endless hours online and on the phone trying to get help removing the freeze. Unfortunately, I can not remove the freeze online without first becoming a paid member of Experian. To me, this is a scam. 

I promise you, I am more tech savvy than most, and have tried for years every potential lead online and telephone number, as well as snail mail, to have Experians freeze liftedto no avail. 

Please help! 

PS. I have tried to include the two bills mentioned in my cover letter attached here ; your " Select a file to upload '' is not cooperating. However the cover letter I mailed to Experian includes those two items for proof of address, which I sent via USPS.

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 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

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 2020-04-22 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have no idea if this is about a credit card but I had to choose an option. 

TD Bank is fraudulently withdrawing funds from my XXXX XXXX  account. 

I do not have any accounts with TD Bank - no bank account, no credit card, no debit card, no loan, nothing. 

On XX/XX/20 there was a fraudulent withdrawal from TD Bank for {$3.00} from my XXXX XXXX  account. I informed both TD Bank and XXXX XXXX  that these charges are fraudulent and should not be permitted, as I do not have any accounts with TD Bank. Now there is another fraudulent charge from TD Bank, of {$6.00}, on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: VA

Complaint narrative:
On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from XXXX indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that XXXX placed a negative remark on my TransUnion, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to XXXX  to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that XXXX remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact XXXX  regarding this matter. Thank you.

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 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
I'm writing because I have a private student loan held by Aspire Servicing Center ( XXXX XXXX XXXX, IA XXXX ; XXXX ; Customer Service : ( XXXX ) XXXX ). I have asked for a 6-month forbearance and 0 % interest rate until XX/XX/XXXX, because of COVID-19 stay-at-home orders in my state ( California ) and county/city XXXX XXXX XXXX. My request was refused on XX/XX/XXXX. The refusal response to my request included this information : The loans we ( Aspire Servicing Center ) service are not federally held ( owned by the U.S. Department of Education )  and do not qualify for this relief. 

Please, would you fight for private student loan relief? 

I'm sure there are many people in this country with private student loans who are suffering like me. For those of us who are unemployed, furloughed, or are paying bills on reduced hours, please stand up to greedy companies like Aspire Servicing Center before people, en masse, default on their private student loans. 

Thank you for all that you do for the working poor like 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