vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Hello Consumer Financial Protection Bureau, Previously, I opened a claim with a complaint number : XXXX. To summarize what happened in the complaint, an unauthorized transaction posted on XX/XX/XXXX for - $ XXXX. On XX/XX/XXXX I was given a provisional credit of + $ XXXX. On XX/XX/XXXX, the claim closed and - $ XXXX was taken away. When it was taken away, it was labeled Other Debit. I appealed this decision and WON THE APPEAL. However, Citibank still refused to pay me back. 

On XX/XX/XXXX, Citibank responds to CFPB and states that they need more time to do the investigation. On XX/XX/XXXX, they conclude the investigation in my favor and sent a letter stating so. But since they never paid me back, I called and sent additional letters even after I won the appeal. 

Earlier today on XX/XX/XXXX, Citibank sends another letter that states : With regard to the {$1000.00} debit dated XX/XX/XXXX, we found that this debit is directly related to a request previously submitted using a debit card to fund your Citibank checking account ending with XXXX for {$1000.00}, which posted on XX/XX/XXXX. We received notification on XX/XX/XXXX, which indicated that a dispute had been filed by owner of the debit card used indicating that the funding transaction was unauthorized. 

THAT IS INCORRECT The transaction that posted on XX/XX/XXXX is a valid XXXX transaction from my XXXX account. On the Citibank notes it says XXXX Debit Card Balance Builder INTERNET XXXX. However, in the XXXX notes it says Quickpay With XXXX Payment To XXXX XXXX XXXX. I only made one transaction on the XX/XX/XXXX between those accounts and they match up. 

Somehow Citibank mislabeled the transaction of XXXX XXXX XXXX XXXX instead of XXXX payment. 

The transaction number for this is XXXX. 

I have also attached a screenshot ( in PDF format ) of the XXXX XXXX statement. It clearly shows a valid XXXX transaction that matches Citi. There was only one transaction that was made on XX/XX/XXXX. According to the letter sent to me, on XX/XX/XXXX, Citibank received notification that a dispute was filed by the owner ( which isnt true ). Because of this, the screenshot will show entries between the dates XX/XX/XXXX and XX/XX/XXXX. If this was true and was really notified, there should be some type of reversal credit back to XXXX account between XX/XX/XXXX and XX/XX/XXXX. 

Before the Other Debit was the reversal of the provisional credit. Now they are stating Other Debit was the reversal of an unauthorized transaction on XX/XX/XXXX. 

Please help me! 

Thank you! 

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: IL

Complaint narrative:
I got a Brinks Money pre-paid card in the mail, assuming it was for my unemployment benefits. I tried activating and its requiring additional documents to be sent in. 
I attempted to call back and the number on the card seems to be disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: SC

Complaint narrative:
XXXX, XXXX, & Transunion have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX   XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account 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 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to COVID 19, my salary was reduced until XXXX. I called WELLS FARGO today XX/XX/2020 to request a 3 month deferment to assist me during this time. All they offered me was a payment freeze but after 3 months I would have to pay all the money due in a lump sum. 

I talked to the first lady and explained what I needed and the she transferred my call to the department that handled ( i was on hold for a long time ) just to be told I cant get any help. 

Never been late on a payment since the inception of the loan ( 10 years ) and have never requested assistance from them. 

Their lack of professionalism and willingness to assist customer during these times is shameful and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: AR

Complaint narrative:
UNAUTHORIZED NO SIGNATURE HARD PULLS FROM US BANK, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, A FRAUDULENT PULL, AND XXXX DUPLICATED PULLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NY

Complaint narrative:
On XX/XX/XXXX, I received a notice of adverse decision from a financial institution made in reliance on an Equifax report. Since then, I have made numerous attempts to contact Equifax ( both online and over the phone ) to receive a copy of the report under the FCRA. Neither their online systems nor automated phone systems are processing the FCRA requests ( i.e., the online system is " unable to deliver [ my ] credit file '' directing me to the automated phone since, which is similarly fruitless ). Despite my repeated attempts ( in some cases involved more than ~40 minutes of hold time ), I have been unable to connect with a live representative about the matter to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. And have previously sent this report to them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I got scammed on late XXXX early XXXX of year 2019 for the amount of {$1700.00}. COMPLAINT ID # XXXX Summary of my complaint : Chase executive named XXXX received my complaint and still flat out rejected me, referencing the DAA ( deposit agreement act ) where it says ... ( not word for word ) " if employee contradicts rule, this rule will govern '' with the rule being that they have no responsibility for their customer representatives providing misinformation to me that the check I withdrew was verified good. I'm frustrated because for her to use that as her defense would mean that she expects me to have remembered that rule on page X line Y that I signed OVER A DECADE AGO. That's outrageous. She is out of her mind. No one can remember that. It is her companies fault for not only having poor check verification staff, but also for lack of customer engagement in the sense that I was not made aware of this " rule '' in the 20+ times I called chase prior to withdrawing the check. I'm XXXX and I want TO BE fully REIMBURSED for what was NEVER MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
UNAUTHORIZED NO SIGNATURE HARD PULLS FROM XXXX XXXX, XX/XX/2019, XXXX  XXXX XXXX, A FRAUDULENT PULL, AND XXXX  DUPLICATED PULLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NY

Complaint narrative:
I had disputed a credit company. The account was settled and paid in full. We reached an agreement that if I paid them XXXX .they would on that amount. Exerpian has it reported that I made a XXXX and that I still owe XXXX. I disputed that info and also submitted the email stating it was paid in full. They still settled with the debt company. There was another company that I disputed as well. Because they kept my account open after I relocated and the electric account was switched over it was just energy and I submitted proof I I relocated to another state they still sided with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a letter lowering credit limit from {$8500.00} to {$500.00} after card was paid off in full. Letter stated reasoning as ( one or more chase cards is delinquent, Bankrupt, or in a payment program Amount above the required minimum on some chase cards is low, Credit Report shows delinquency, Public record or bankruptcy one or more credit cards are over limit ) which in all cases are false and do not apply to me. I feel that JPMorgan Chase Bank applied the wrong identity information or falsified information to lower my limit due to the situation of the pandemic. Ive been in good standings with Chase and all credit cards. I possess only one credit line with Chase. This situation hurts my credit score tremendously. Which effects my future credit standing in this unforeseen times of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX  and Trans Union credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and Trans Union by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and TransUnion was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed 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 2020-04-10 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: NJ

Complaint narrative:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX and XXXX XXXX credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed 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 2020-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Mr. President may this letter find you and your family in good health. 
This letter is to inform you that I XXXX XXXX have been a excellent credit card customer with Goodyear Tires for the past 8 years and present and never had a late payment with Goodyear tire nor any late with any of my credit card companies. 
In Light of the Global Pandemic I experience a difficulty with Goodyear online payment center in trying to make my {$28.00} payment I was not able to log on your system, I try calling could not contact anyone that day of XX/XX/2020 then I continue to call still I could not get in contact with anyone, when I finally got through it was on a recording and I was on hold to speak to alive person for 2 hour. 
When a customer service representative did pick up I informed her of the situation that I was trying to make a payment for the last 3 days and was not able to get through evidently the rep. I was speaking to did not care and I ask her why was my credit card limit was decrease she said the computer automatically decrease my limit from {$2300.00} to {$700.00}. I inform her I was trying to buy a tire because I had an emergency I had a blowout tire on my car I went to Goodyear tires to get the tire fix to learn that I did not have enough money on my credit card to get the tire fix it was so embarrassing that my limit was decrease without forewarning, I ask to be transfer to a supervisors she was very rude to me she indicated to me that my credit was decrease because I was late even though I called 3 or 4 days earlier trying to make a payment and was not able to get through your online system. I finally was able to make my {$28.00} payment. 
Doing this Global Pandemic I understand what we all are experiencing, But I have been an excellent customer with good year tire and I value my credit worthiness I feel I was disrespected and mistreated my Goodyear representatives. Please investigate this matter and please reinstate my credit limit back to {$2300.00}. 
Doing this pandemic even the credit bureaus are not reporting late payments The president of the United States even ask all credit card companies to work with their customers due to this pandemic Please Mr. President on Goodyear tires have your credit department raise my credit limit. 
Sincerely Miss 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 2020-04-10 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 ACCOIUNTS ARE NOT MY ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
THESE ACCOIUNTS ARE NOT MY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 ACCOIUNTS ARE NOT MY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 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: SC

Complaint narrative:
XXXX, Equifax, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: SC

Complaint narrative:
Experian, XXXX, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account 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 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
company - Capital One financial date started - XX/XX/2020 date reported - XX/XX/2020 Loan Amount - {$2000.00} Reason - auto repair person spoke to - XXXX phone # - XXXX On XX/XX/2020 I applied to get a loan cause im a delivery driver and my cars beat up and needs some fixing. On XX/XX/2020 I received a call from these people saying I was approved up to {$10000.00}. First thing I got suspicious about was they needed my bank login information to attempt a mobile deposit which my bank found fraudulent and fixing that situation now. When I first got the loan approved they said I didnt have enough credit history which is true under my end but they said they would move on and let my credit history build up from some type of program. so I didnt even get the loan to start and to build that credit I needed to pay them back and they mobile deposited a small fee into my bank account. After this happend today XX/XX/2020 they told me at XXXX this morning to go to a XXXX XXXX  and buy a XXXX XXXX gift card in the amount of XXXX $ which was not optional cause they said they would red flag my social security if I didnt do it. Now im sitting here with no loan a huge scam and I spent XXXX on something that I coudlnt control and no loan. So now im broke caue they emptied my pocket of money and took it for a joy ride with gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I did not receive any written or verbal notification of this collection or what this is for. It just showed up on my credit report. I think I have the right to see what this is about before anything is placed on my credit report

Company response to consumer: Closed with explanation