vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my identity and withdrew all the money in my account and wrote bad checks and cashed them witch left me with a negative balance. When I found out a lot of transactions that were made that wasnt from me was happening I called the bank and told them what was wrong and they went over which transactions that I was stating that I did not make and they pulled them up. Bank rep tells me theyll open up an investigation and I had nothing to worry about and these things happen all the time and that they will freeze the account and told me to open a new account so I can put my money in a new safe account ... weeks go by and suddenly I go to deposit my checks I. The account and the very next day I go to check my account all my funds were gone and I called the bank and they said that they had taken all the funds because I owe the bank money cause the frozen account was negative and that the freeze on the account was taken off cause the investigation was done and the had came to believe that I had made all the transactions myself and not someone else ... Ive asked them how they can let this happen, how can they allow someone pretending to be me go inside their office and withdrawal such large sums of money and clearing it so fast and how they did not catch the sudden change of account activity in this short of a time that does not match my normal transaction activities. Their response were they dont know and every question I asked them I was told they dont have a answer to the questions and theres nothing they can do about it and theres no one else I can speak to to resolve the situation. Representative told me I can not recover the money that was taken from me and I still owe them more money and that I have to setup payment arrangements with collections. Makes no sense to me how the bank who I trusted and banked with over 20 years can have me believe and reassured me that they will look into the situation and That I would get my hard working money back would turn around and accuse me of being a criminal. Me being a victim of fraud or ID theft to being a criminal does not fit me well. Shame on XXXX  XXXX  XXXX for treating their loyal customers like criminals. I was tricked by the bank to open a new account and deposit my checks and that it would be safe.for the bank to just abuse my trust and just go into my account and just take all the money I had just deposited. Theres not just one thief that stole from me but two!!!  which first is a criminal and second is 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 monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On Thursday XX/XX/2020, American Express approved me for a new credit card. Application ref XXXX With an annual fee of {$99.00}. When I applied for a credit card with NO annual fee they declined me. Application ref XXXX on XX/XX/2020. American Express only approves me for cards with annual fees, and declines me for cards with NO annual fees. This is not fair. American Express needs to give me a valid reason for this. Instead the American Express rep says its just luck of the draw.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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:
Remove the fraudulent accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TN

Complaint narrative:
Remove the fraudulent accounts from 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 2020-02-16 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:
Remove the fraudulent accounts from 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 2020-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX was paid off in XXXX. I had no more payments for this account to be delinquent 30 days. I took out another loan which you only can do once a loan is paid off. I made numerous attempts to call this company through there maze of confusion with there phone system. I finally made contact received a email confirming this account was settled.

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 2020-02-16 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:
I have sent numerous disputes to experian in an effort to get a false account removed which was a result of identity theft. 


FTC identity theft report number : XXXX I have sent them at least 4 separate disputes all with a federal trade commission identity theft report number on the upper right hand corner. 

All of which Where notarized and sent via certified mail with attached utility bills, proof of identity and my social security card. 

XXXX  and XXXX  have both followed Fair debt collection practices and have taken proper legal measures in the deletion & removal of this false account which has negatively impacted my ability to obtain Any kind of credit for my family and I. 

This is my 5th attempt to remove this false account, if this account is not verified with an original consumer signed contract or removed, I will take measures to proceed with legal action against Experian in accordance with section 609 of the Fair credit reporting act. 

Experian has not attempted to verify this account with an original singed consumer contract and my precise requests have gone ignored. 

Please follow suit and remove this account and hard inquiry that comes with it immediately. I urge you to follow suit please. 

I have commenced an additional Federal Trade commission identity theft report. 


Account name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX | Unverified Account FTC identity theft report number : 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 2020-02-16 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:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # 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 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/19 i called a bank and asked i wanted to close out with them and wanted to payoff credit so im not going to be charged. Cause i had my reasons. I was not going to be on my email, cause i changed it and i was not leaving on same address. I was not going to get any information from them. 
Bank was very nice about it and asked me if there is something they could do so i was not going to close account with them. They offered That i was not going to have any interest with them to pay cause i am such a nice costumer. If i would choose to stay. Never had any late fees and always paying on time. But i still decided to close account. Payed off amount of {$1200.00} that they told me and everything was over. 

After 2 month i was getting on my credit reports late fees from somewhere i couldn't understand. I called all bank companies and was asking what was happening. I called credit reporters and they told me it was discovery. 

I called discovery and lady told me everything was good. But still i went to check my old email. Which was hard to get and I found interest charges of {$22.00}. I was so upset. I called a company again and was asking reasons. They conected me to person who supposed to take care of that part but i was rejected. Person seemed like giving me such a good attitude when i was closing my account. And now i have to live with low credit score cause they didn't do job properly and ruined my credit score which was always perfect. Never ever i got any late fees in my credit history until that mistake of person who supposed to close account and now i have 3 late fees out of nowhere.

Hope this message will help Ask me any more information i need to send.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16 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:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TX

Complaint narrative:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # 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 non-monetary relief
Consumer complaint received 2020-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
We refinanced our primary mortgage with XXXX XXXX in XXXX, received a cash out and paid off our existing second mortgage with XXXX XXXX XXXX. We now only have one mortgage account with XXXX XXXX. All the financial information for the transaction was sent the XXXX, XXXX and Trans Union. During my recent XXXX annual credit report check, I found that everything at XXXX  and XXXX  was exactly correct. Trans Union still listed the closed second mortgage account at XXXX XXXX XXXX as open. When I called Trans Union about the error, I was told that they only report the information that they receive from the financial institutions. Considering that all three credit reporting agencies received the same information, Trans Union has no excuse to report the information incorrectly. This is not the first time that I have had trouble with incorrect credit report data from Trans Union and a difficult time getting it fixed. 
Any help would be appreciated. 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 explanation
Consumer complaint received 2020-02-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are 5 credit inquiries on my credit report that I did not authorized, these companies do not have permissible purpose from me. The inquiries are as follow, XXXX  - Inquiry Date ( XXXX ) XXXX XXXX XXXX - Inquiry Date ( XXXX ) XXXX Inquiry Date ( XXXX ) FACTUAL DATA - Inquiry Date ( XXXX ) XXXX XXXX - Inquiry Date ( XXXX ) Delete these inquiries immediately as there is no permissible purpose and by law there has to be permissible purpose in order for a creditor to run my credit. If the credit bureau claims that permissible purpose isnt required, then they are breaking the law and also not obeying the FCRA, I would like to see any documents that the credit bureau has or that it might get a hold of regarding these inquiries, that my signature is on, and that proves that these inquiries were authorized by my person.

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 2020-02-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A medical bill that my insurance company took care of is still appearing on my credit report as a collection account when I initially made my doctor visit the lady at the front desk assured me that their facility was indeed in my insurance network she took my insurance and sent me to se the doctor six months later I recieved a bill to cover the charges I then reached out to my insurance and the problem was rectified. Now the debt was sold to a collection company who is now reporting this information damaging my credit and ruining my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had my home depot card for almost 8 years. My limit was XXXX. They decrease my limit to {$500.00} and placed a late payment on my credit report. I have never been late on my Bill 's with them. They wont delete it. And it has ruined my score tremendously. Almost 100pts. 
They dont want to help and I am about to purchase a home

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have tried for several years to correct my issues with the three agencys as well as the debt collectors once I found out they were on my credit report, they are all from : Bull City financial solution : ( 1 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX ( 2 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX When I spoke to there billing department they stated that it was a automated duplicate bill due to them changing there billing soft ware. However they would correct the problem but the collections agency left it on my credit report. 
( 3 ) XXXX XXXX amount {$150.00} XX/XX/XXXX ( 4 ) XXXX XXXX amount {$150.00} XX/XX/XXXX Again its the same problem, the billing department states one thing and the collections agency and credit departments still turned in on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
There is a credit inquiry that was supposed to be deleted from my credit report over 4 months ago, it seems like the credit bureau XXXX  is refusing to delete it because I provided the letter from the creditor agreeing to tell XXXX to delete the inquiry and they said that the letter did not meet their criteria, I do not understand what that means and I dont really care. I need this inquiry deleted immediately from my credit report, the inquiry is WF BANK NA - Inquiry Date 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 non-monetary relief
Consumer complaint received 2020-02-16 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: LA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a Macy 's credit card and I had a balance that I had to pay off in order for them to remove me from collection, so I paid them the whole amount in XX/XX/XXXX and Macy 's is still reporting my account as " negative '' to the credit score agencies and it is showing as " negative '' on my credit report. The last day this was reported was XX/XX/XXXX as " collection/chargeoff ''. This negative account is affecting and lowering my credit score, and I have attempted to get them remove it but they have not yet. 

The Lender information is : XXXX XXXX XXXX XXXX, OH 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