vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC won't link my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NV

Complaint narrative:
I am in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NV

Complaint narrative:
I am in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I tried to use the Bluebird mobile wallet/Bank account. I did everything they asked, verified my cards, identity etc to use the service and got transferred the amount of {$500.00} to use at my leisure on the service. 

As soon as I tried to use and and make a transfer to my bank they suspended BlueBird American Express account which had {$500.00} on it. I have no way of accessing those funds anymore and when I called BlueBird American Express they would not help went through 2 transfers and spoke to an BlueBird specialist that told me my account was suspended until further notice do to suspicious activity which they refused to tell me what that was considered or help unlock it. Its unfair business practice as I did everything they asked to create the account and everything was under my name. 

They suspended my account without warning. Now I have {$500.00} in funds that they are basically stealing from me that I can't access. Its frustrating because they just arbitrarly closed my account withoit warning and would not help when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi CFPB and Citi Bank Compliant office, I have a citi bank credit card with a credit balance of {$150.00}. I requested bank to deposit the amount to my checking account or send me a check to my address. 
I called citi bank customer care several time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and online remote agents failed to provide any solution to this problem. Citi online agents said they are investigating and providing me no solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: I.C. System, Inc.
State: GA

Complaint narrative:
I was told that this account would be deleted because it was paid in full. 
XXXX/I.C. System account was paid off on XX/XX/2020 ( two accounts ). Total amount paid is {$450.00}. These accounts are still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
The car that I have was a lease. I leased the car in XXXX  and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX. 

They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX  or a limited power of attorney to register the car in the state of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, a balance transfer of {$2500.00} was transferred from CITI Cards, PO Box XXXX, XXXX XXXX, SD, XXXX to XXXX XXXX. 
CITI XXXX has never acknowledged the payment and has continued to extract payment from my bank account using a forged document until a stop payment was issued in XX/XX/XXXX. Since then they have attempted to collect the debt using such tactics as phone calls, reports to the Credit Bureau and a notice of assignment to a collection agency. 
A subsequent investigation of the original debt revealed the following : XXXX XXXX XXXX XXXX ( Replacement of Roof ) Date of Sale XXXX XXXX Job No. XXXX Initial Payment {$2800.00} Final Payment {$6700.00} Total Price {$9500.00} The final payment ( online ) was in XX/XX/XXXX. 
On XXXX forged Check XXXX was issued by this company for the amount of {$570.00}. Thereafter, checks numbered from the series XXXX have been used to collect payment, This is evidently a scheme targeted people who do not keep close controls on their bank account. 
The totals to date : 60 transactions {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not 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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi CFPB and Citi Bank Compliant office, I have citibank credit card which is closed now. I could not able to cash my rewards amount total of {$54.00}. I want citi bank to send me my {$54.00} rewards deposited to my checking or send me a check to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
This company is a fraud. I contacted this company on XX/XX/XXXX when they placed a collection account on my credit report. They stated that I owe them {$500.00} for a hospital bill from XX/XX/XXXX. I have never heard of this company nor have I received any mail from them in the past. I have no idea about a delinquent bill from North Carolina. I live in Maryland. This company is a fraud and very unprofessional. I asked them to send me a verification letter of the debt and they emailed stating that I owe the bill but it is not a verification letter that I owe the debt nor does it state that the Hospital assigned them the account. Usually debt collector contact you before placing derogatory marks on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank limits consumer choices by not allowing accounts to be linked with other XXXX apps such as XXXX. This limits consumer choice and is an uncompetitive action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: COMMERCE BANK
State: OH

Complaint narrative:
I talked to Commerce Bank on XX/XX/2020 and was assured by a representative that my pending loan was canceled. I called to cancel my loan and was assured it was canceled, I got a bill today, because they put it through anyway. They said that record all and therfore the cancelation should be on the recording stating they canceled it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a bill statement from XXXX XXXX XXXX collecting debt I never own. I am not owing this company or Speedy catch or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from XXXX XXXX XXXX saying that " is now servicing your delinquent account on behalf of XXXX .... '' I do not have any account with speedy cash. I am not owing this company or Speedy catch or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX   ( XXXX  ), and when confronted, XXXX XXXX produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to connect my PNC account connected to XXXX, There has been problems in the past connecting to other third party apps like XXXX, XXXX. ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im unable to link my PNC account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/20 I was charged a membership fee of {$59.00} for a Capital One XXXX credit card. XX/XX/20, I contacted Capital One to waive the membership fee. Capital One declined, so I asked to downgrade my card to a version that does not have an membership fee. On XX/XX/XXXX, my card was downgraded and I was shipped out a new card. When I asked about refunding the membership fee since I no longer had the benefits associated with the card, I was told to call back after the statement closed on XX/XX/XXXX. Called on XX/XX/XXXX and requested a refund of the membership fees as instructed on XX/XX/XXXX. XX/XX/XXXX call was escalated to a supervisor and I was told I would receive a call back within 7-10 days. Called again on XX/XX/XXXX to follow-up on the membership refund and was told I can not get a refund or any pro-rated amount refunded despite not having the membership benefits associated with the membership fee. Capital One is refusing to refund a " membership fee '' for associated benefits that I do not have. I did not used their card in XXXX or XXXX, so no benefits were conveyed during the month long dispute of the membership fee. I am entitled to the return of my fraudulently retained membership fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 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:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am still affected by covid 19 and I can not pay this bill. I need another payment waiver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I negotiated a delete off my credit with these people, for payment. I paid, requested confirmation, and documentation of the delete. They now refuse. 

Initial Call and payment made Tuesday, XX/XX/2020 - Agent on a record line agreed that a payment made at the amount I was informed of and paid would result in a credit deletion. I requested confirmation via documentation, they said it was being sent. 
Thursday XX/XX/XXXX, after multiple days waiting an no confirmation recieved, I called again. After an hour on hold, I was informed an email would be sent within 24 hours confirming once again, a delete would be performed, and that the account was satisfied. 

Monday XX/XX/2020 - Did not receive confirmation, called again. Automated system implied that I owed money, Agents incredibly rude, insisted on talking over me, did not want to transfer me to supervisor to resolve. Insisted they don't DO deletes, and that if someone promised me that, they were wrong. Agent was incredibly rude, kept talking over me like I was stupid, refused to let me speak, tried saying it took over two weeks to send an email. 
When I complained previously about the debt, it took them less than 12 hours to reply when I still owed, so it seems like this company only wants to work with you when amounts are owed, not when they are on the hook.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I got an email from Chase saying that my number has been deleted. I tried to log into my account on the Chase app to see what's going on. The app tells me that my account has been restricted for " suspicious activity '' and prompts me to call a number.

I made sure the number is legitimate and called. The fraud department of Chase said they restricted my account and they're about to close it and the decision is irreversible. I called about 10 times and talked to 10 different employees, and even went to the local branch, none of them know why Chase closed my account.

They also said I can never open a Chase checking account again and I'll receive the money via mail within 20 days. I have absolutely no idea why they would close my account or why they wouldn't give me a reason as to why they closed it.

Company response to consumer: Closed with explanation