vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I had transferred {$3000.00} from XXXX XXXX to Citi Savings account on XX/XX/XXXX. Citi had some issues on their end and they blocked the posting of the funds. I called 3-4 times to see why funds weren't posting when XXXX XXXX had informed me that they had sent the funds already to Citi. Finally, onXX/XX/2019, Citi found the issue and corrected it and my funds posted on XX/XX/2019. However, this resulted in my losing interest on my money from XX/XX/XXXX through XXXX, wherein neither XXXX XXXX ( as  they had already sent the funds from the bank to Citi ) nor Citi paid me interest. I want my interest for 7 days to be provided by Citi at the best APR available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
After submitting a police report, FTC report, and supporting documentation in regards to a fraudulent XXXX XXXX XXXX XXXX account for file number XXXX, today upon checking my most recent credit report, I became aware that the fraudulent XXXX XXXX XXXX XXXX account # XXXX have been placed back on my credit report without any notice to me or explanation. 
I have done all that I could do in regards to this fraud however TransUnion has refused to comply with me and the law. 
This matter must be expedited as it is adversely affecting me. 
Today, XX/XX/2019, I re-disputed this fraudulent account that was placed back on my report. 
TransUnion stated that e Oscar is responsible for corresponding with the alleged creditor. This is not substantial for such a case as mine. 
TransUnion does not even provide the entire account number for more precise validation. This is not fair and unethical to have an electronic database answer questions that a person should be responding to and correcting. 
I have been fighting this with TransUnion since the beginning of this year and I am still in the same place as I began. 
Since I have no more recourses, I must take additional steps to getting this issue resolved. I will be contacting their legal department at once if this account is not deleted for good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX y/o mother suffered a XXXX. She was bed-ridden at that time and has/will be under constant professional medical care for the rest of her life. A few months later, I started receiving phone calls from the XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I informed them about my mother 's condition, and that I was in no way responsible for her actions or for any signing of any contract. ( SHE had purchased the 2 memberships in hopes of helping me & my husband ) These calls came repeatedly, and repeatedly, I informed them of the circumstances. 
Last week I received a Debt Collection Letter from : First Credit Services , Inc. ( FCS ) ( XXXX XXXX XXXX. XXXX, XXXX NJ XXXX XXXX ) demanding {$400.00} for a " GOLD 's GYM PHASE 2 '' creditor. Account nr. XXXX. 
How can an well established business conduct such erroneous behavior? ( retorical ). Is there anything you can do to XXXX XXXX XXXX in XXXX XXXX, Tx.? I will be sending a, " dispute of validity, '' to FCS tomorrow and do not expect any further repercussions since there is no signed contract. However, if there are problems, are there other avenues you or I could pursue? 
Thank you in advance for any/all help you can help me with in this matter. 
Regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: TX

Complaint narrative:
On XX/XX/2019 I had fraud to occur on my account with Money Card Network. I went to the store to buy something and my card was declined. I logged into my online profile and seen that all my pay check was gone. There was only XXXX cent in there. I checked the transactions and I saw that XXXX had came into my account for the following : two transactions for XXXX, two transactions for XXXX, two transactions for XXXX, one for XXXX and five for XXXX. I called XXXX because I remembered receiving and email telling me to change my password, there was a breech in security. The representative looked up the transactions and stated they were canceled on their end. I then called Money Network and advise representative and I have spoken to XXXX and they said the transactions had been canceled. The representative stated I would have to wait to see if the transactions were refunded within 7 days before I could do anything, and I did. The transactions were not refunded. I filed a dispute for the unauthorized charges, but was told my dispute was declined because I had used XXXX before and I failed how this is fraud. I called the customer service number and advise the Supervisor that on the day these transactions occurred, I called XXXX and Money Network immediately. I was told to send in a letter of appeal addressing the reason why I used XXXX before, and way these transactions were not mine. I did and my claim was still declined. That money was for my car note and I was put in a financial bind when and occurred, and what is even or upsetting is that Money Network is denying my claim wrongfully and not helping me get my money back. Just because I made purchases at XXXX before do not mean every transaction that comes thru from XXXX is authorized by me. I read views online and they do this all the time. I am will not stand for this and I will take every legal action I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: AL

Complaint narrative:
I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: AL

Complaint narrative:
I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$820.00} not mine XXXX XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX XXXX {$1000.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: LA

Complaint narrative:
XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and XXXX, they refused. 

I requested XXXX, XXXX and TransUnion correct my credit with the denial letter from XXXX. 

XXXX  has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

TransUnion has not responded to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: LA

Complaint narrative:
XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and Navient, they refused. 

I requested Experian, XXXX  and XXXX   correct my credit with the denial letter from XXXX. 

Experian has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

XXXX  has not responded to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AR

Complaint narrative:
I'll be short and sweet. Having undeniable, objective financial difficulties. Asked Flagstar Bank for help with mortgage payments, supplied a mountain of paperwork and proof of my hardship ( s ), and was denied. Appealed, and denied again. The reason? Because I'm not more than 30 days late on my mortgage, which I actually am. How would a few more days make any difference? 

Hmmm ... I meet the criteria, I provided the proof, I get denied. How similar my situation looks to at least one multi-million-dollar-lawsuit. Oh, you want links? Here you go! 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ https : //www.hbsslaw.com/cases/flagstar-mortgages https : XXXX https : XXXX https : XXXX And here is Flagstar 's STELLAR, one-star cumulative ranking at consumeraffairs : XXXX XXXX XXXX An exceptional company is defined by how it handles its exceptions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( Experinan, XXXX, XXXX  ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters calls me from same or new number from same area code, never leaves a message. I've blocked numerous numbers but they continue to call almost daily. 

Here 's a list of recent numbers : XXXX XXXX XXXX XXXX To my knowledge, I owe them no money. Nothing on my credit report shows up. It's so frustrating to get repeated calls with no message, context, etc. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Chapter XXXX incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Chapter XXXX incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Chapter XXXX incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NC

Complaint narrative:
I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.

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