vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 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: CITIBANK, N.A.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: NV

Complaint narrative:
For almost three years BYL MANAGEMENT SERVICES LLC has claimed that I own money to XXXX XXXX. I provided a current account statement showing a zero balance, but they refused to concede the debt was invalid. 
I investigated through XXXX XXXX and found the debt was for an apartment XXXX when I live in XXXX. They fraudulently tried to collect money from me for a natural gas account that I have never been associated with despite all the evidence I provided. I believe this is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank ( Gap credit card ) had a fraud charges as well as items that was purchased that I NEVER received and they still charged me the amounts and interest.

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 2020-05-02 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: PNC Bank N.A.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
One of my credit card issuers was recently bought by another institution ( XXXX XXXX  ) which sent me a notice that they were changing the terms of my account due to an adverse credit report from Equifax. Some of the issues cited in this notice are obviously incorrect. The notice informed me that I could address this report at Equifax.com/FCRA, a web site that never responds. I called the Equifax phone number listed in the notice, XXXX, and after a one-hour wait time was connected to a person who demanded that I identify myself by telling the " usual '' balance of some credit account that no longer exists. When I asked him to clarify the question he hung up. When I tried to register a new account at myequifax.com I was asked five questions, none of which had anything to do with me. It refused to recognize me but allowed me to ask for a PIN number to be sent to my mailing address. This was sent and the indicated web site, https : //my.equifax.com/pin, accepted it but the account I had tried to establish again refused to acknowledge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: BBVA FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
We were told by Ford Motor Credit that we qualified for the COVID-19 measures to be excused on our XX/XX/2020 car note payment. Upon looking at our credit we have a late payment on our credit and we would like to get that updated to reflect paid on time. We have contacted FMC and they have informed us that they will correct the late payment three months ago, and the payment is still there. This late payment is hurting my SBA loan and while we are still on lockdown we can not obtain additional funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
i disputed two accounts one for {$1000.00} and the other {$4600.00} from the same company that was reporting on my credit report which i send by certified mail usps on XX/XX/XXXX which the company received both letters on XX/XX/XXXX. 
under the fair credit reporting act they have 30 days to investigate and furnish the credit bureaus with the required disclosure within the period required by law. i pulled my report to find that they did not do so. they fail to mark both accounts disputed with all credit bureaus not only that the last date of active shows 3 different months and showing the year of the last active as XXXX and on both accounts, are showing different account numbers. and knowing that they failed to furnish the accounts with the bureaus within 30 by law it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
I finally received the documents from said company end of XXXX and faxed them over to the number listed on the package. I have yet to receive any correspondence. This was faxed over on XX/XX/XXXX. Please respond to my dispute this inaccurate collection from my report. I do not owe national grid this money and should not have this listed on my credit report. Please see the previous complaints. I have provided all necessary information and have done as requested but your improper use of stall tactics is keeping me from accomplishing my goals in a timely fashion. I have attached a copy of the fax that was sent.

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 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.

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 2020-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have a month to month lease with my old apartments. I notified the manager that I'm leaving next month as my contract said. My English is not that good and I asked my brother who speaks better English to talk to the manager as well and notify her of my last day at the apartment which was XXXX XXXX. My brother and I confirmed our last date and she understood it and she told us she will deduct the deposit fees ( {$250.00} ) and we agreed on everything, then she asked us to make it in writing as well, so we put it in writing and my brother went next day and dropped it in the box outside the office because the office was closed that time. I moved out the apartment in XX/XX/2019 and I dropped the keys at the office, then I received a letter from the apartments asking for XXXX rent and almost {$700.00} fees for not giving them a notice. Why would I pay XXXX month if my last month of stay is XXXX, and if they consider I need a month notification, they should charge XXXX month as a notification period and not both. When I tried to talk to the manager, XXXX XXXX, she threatened me either to pay or collection agency and ruining my credit. I was expecting suing and going to court, but she sent the fake bill to the collection agency which they never contacted me in writing or never called me about this fake bill. It is an obvious way of using power, threatening people and taking advantage of their low language and communication skills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have multiple accounts with Wells Fargo and I have discovered that they have been removing the interest from my account 's. They have been doing this for a few years but I never noticed because it was a very small amount ( 1 or 2 cents ) but now that I have more money with wells fargo these interest payments are upwards of XXXX dollars a month. I have tried contacting them several times and I get the round around. They tell me that the " executive office '' has to resolve this and no one that I can get a hold of can help me. I did receive one call from the " executive office '' and they told me that I signed a paper authorizing wells fargo to remove the interest from my account back in 2011. 
This does not make sense to me and I'm afraid this is an illegal activity and they are using a phony excuse that I singed some paper way back when. I have asked them to stop taking the interest out of my account but to no avail

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 2020-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a checking and savings account package with Citibank on XX/XX/XXXX and immediately deposited just over {$50000.00} to take advantage of their account opening bonus offer, which offered {$700.00} if you kept the money in for 60 days. After the 60 days, it could take up to another 30 days to post to the account. The promotion code I opened the account under was " XXXX. '' I verified this promotion code through a Citi customer support person via phone call twice to make sure my account was eligible and would be receiving the bonus. They confirmed that it would. 

I contacted Citi on XX/XX/XXXX and XX/XX/XXXX to follow up and make sure I was still on track for the bonus, as I had read online that other people had issues with actually receiving it. I had one other call that was made to solve a problem I was having with my password, but that was solved without much issue. 

I logged into my account on XX/XX/XXXX to find both my savings and checking accounts closed with no reason given. I checked my email and there was nothing there, either. I received no notice or reason for my account closures. I had to open the customer service Live Chat again to speak with someone who told me that there was no reason for the account closure listed. They asked me to call the account opening department, which at that time had a wait of 881 minutes. How am I realistically supposed to wait that long? 

Apparently, they put my life savings in the mail and couldn't provide me a tracking number. So, it was either wait 881 minutes to try and get a tracking number from a real person or wait for my checks to arrive in the mail. Which, they finally did. 

And when both checks ( mailed separately ) arrived, there was STILL no reason for the account closures. I STILL don't know why Citi closed my accounts and is trying to avoid giving me what I am owed. 

I finally got someone through Citi 's " XXXX '' XXXX account, who followed up with me by phone after the fact. They still couldn't give me a reason for the closures, and assured me that they would be opening an investigation into the issue. This investigation was supposedly opened on XX/XX/XXXX and I was told it could take up to 20 days to resolve. 

I feel like I am being given the run-around. I just want what I am owed. I have attached the chat logs with Citi to this complaint and can provide phone call dates/times if necessary.

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 2020-05-02 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: FL

Complaint narrative:
I received an notification on my XXXX XXXX account that I had an inquiry from XXXX - XXXX XXXX for XX/XX/2020. I did not authorize this pull from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am looking over my credit report and see an old late fee from XXXX. I called them back when this late fee first started and they said would take off any late fee ( s ) in terms of this matter where I had paid on the wrong day and there was some confusion on my end. I am an elderly guy. My wife has XXXX XXXX and we are dealing with Covid-19 just like everyone else. I am writing again as an act of good will that this one removal will be gone. Every time I have mentioned about this nobody seems to have on the notes from there customer service any late fee 's I had will be gone. I have been told multiple occasions this would be removed. I understand XXXX has there policy 's and I respect that. It was a mix up. All I can Is I always pay on time and been a loyal customer and with everything going on It would mean a lot to me if this late fee was off my credit report my home # is XXXX Thanks, XXXX. I really would like this to be solved and hope we can all work together during these times.

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 2020-05-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
To Whom It May Concern, I got letter dated XX/XX/2020 in the mail which I just saw onXX/XX/2020 will show you guys the picture as well. Saying I applied for either credit card or debit card or something with discover. However this is inaccurate and not authorized by me. I am unsure how this all came about. I am not looking for any credit cards or new banks at this time. I am asking if this can kindly be removed as this is not mine and I never authorized it or signed for anything. No idea how it all happened. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed 3 Collection accounts on my credit report on TransUnion and they came back as " verified ''. In my dispute i requested that they provide proof of verification. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me. It simply stated they were " verified ''. I do not believe they found actual proof of verification or that these accounts or balances are even mine. The XXXX collections are listed below. 

1. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX, MA XXXX 2. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX 3. XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX , TX XXXX ( 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 2020-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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