vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
At the end of XX/XX/2020, I signed up for auto-pay with CITI-card at the same time as I did successfully the same day for another credit card and for a couple of additional recurring expenses. 

The following sequence of events then occurred : 1. XX/XX/2020 - I received an email from CITI stating my balance and nothing more. I thought great, it will come out through auto-pay 2. XX/XX/2020 I received a CITI email indicating that as of XX/XX/2020 my bill was past due. I have no idea why they didn't inform me on that day. I was charged a late fee and interest. 

3. XX/XX/2020 I did an electronic fund transfer to pay the bill in full. I called CITI to see why it had not been taken out automatically. They informed me that I had only signed up to pay electronically but not for auto-pay as I thought. I had done arranged auto-pay successfully for XXXX XXXX and 3 other companies on the same day. Apparently I wasn't capable of figuring the process on the CITI website. CITI waived the interest but not the late fee. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( even though it had been paid of the day before ). I called CITI and was informed that my bill was not paid off and that I could have found this out by checking my account by phone or going on line. I was told not to worry about it. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( I checked online and it wasn't past due ). I called CITI again and they said that I was paid up and not to worry about it. 

XX/XX/2020 I received a second email. this one indicated that " Your Account Will Remain Open ''. I didn't even know that there was a question of my account being closed. 

XX/XX/2020 I received another CITI email early in the AM indicating the bill was past due. I checked online and it wasn't. I called CitI again and was again told not to worry about it. I asked to speak with a supervisor and have heard nothing further. 

I have no way to know if these CITI emails represent planned harassment to discourage people form being late for payments or incompetent account management by CITI. Neither option puts CITI in a good light. I also have no way to know if someone has stolen my identity and has a CITI account with my name that is unpaid. 

In short, CITI has been of no help in clearing this up.

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 2020-04-24 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: FL

Complaint narrative:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I sent a full packet of documents via XXXX, with a notarized Fraud Affidavit, and other documents that I also emailed to XXXX XXXX XXXX Department on XXXX to Resurgence via certified mail. I did not get a letter from them stating that that received my documents. Instead, I received a letter yesterday XXXX summoning me to court. There are no dates or anything. No court date. It was filed on XXXX with the XXXX XXXX for a substitute appearance. I did not get so much as a call or response, just court paperwork. I do not know if this is legal but its quite unorthodox and does not seem like a professional practice. I do not owe this debt because it was never mine & I never received any correspondence from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi, Someone is using my identity to my a purchase or something. Account was opened on XX/XX/2020 of a credit limit of {$800.00} with a balance of {$570.00}. I don't know if, I'm going to the wrong source to solve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NY

Complaint narrative:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit file.

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 2020-04-24 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:
I still have accounts due to my identity theft case appearing 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 2020-04-24 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:
I still have accounts due to my identity theft case appearing 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 2020-04-24 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-04-24 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-04-24 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: FL

Complaint narrative:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.

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 2020-04-24 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: FL

Complaint narrative:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.

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 2020-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by  phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are 5 hard enquiries on my credit report from trans union when I called them to dispute it. Transuion told me they can not send in a dispute for it and I needed to call these companies individually and then these companies telling me I need to dispute it with the credit bureau TransUnion.

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 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I transfer from Chase bank to XXXX bank XXXX, for an amount {$250.00}, plus the bank charge of {$50.00} for the international transfer. The date that I made this transaccin was XX/XX/2020 at XXXX XXXX, This money its was gon na be available for the XX/XX/2020. Today Its XX/XX/2020 and the money is not available yet. I went to the Chase bank for complaint about this transfer and they told me to communicate with you. Please let me know what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 Bank of America closed my oldest credit card account ( of 13 years ). This has caused my credit score to take a hit specially because the credit limit was very high and the card carried a {$0.00} balance. 

On my credit report, it says that the credit card was closed at the customers request. I never requested one of my oldest cards to be closed. In addition, I contacted BofA by phone on Saturday, XX/XX/XXXX and then a manager reached out to me on Monday, XX/XX/XXXX. Both times, the customer service rep COULD NOT re-instate the card that they closed.

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
My husband and I have filed our Oklahoma State Tax Return for year 2019. A Refund issued on XX/XX/2019 via prepaid debit card by a program called " Way2go ''. The bank issuing this card is XXXX Bank.This Way2 go program is used by several government agencies to disburse money to people. The card was mailed to an old mailing address, not the address that was on the 2019 tax return. 
The card is now lost. We have contacted the Oklahoma State Tax Commission three times. Each time we are told to contact the Way2go company customer service line at XXXX. This number puts us on hold for 1 hour and 20 minutes at that time, the calls automatically disconnect. We have tried to contact XXXX Bank. They also have no person available to contact. I have used their computer automated system to request a return call. Have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that 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 2020-04-24 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that 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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I went through a terrible divorce, lost my home, had to file bankruptcy. XXXX was in that bankruptcy and was discharged. On XX/XX/2020, Source Receivables Management put this debt on my XXXX  Credit Report. I believe they are a third party debt collector. As a result they brought my credit score way down. They also call my phone all the time. I no longer answer them. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
On XX/XX/2019, I took out a payday loan from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 675 % APR. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the  number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. The more I looked, it seems like this a " tribal payday lending '' scam. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
I took out a loan with Goldman Sachs on XX/XX/20, I paid off the loan on XX/XX/20. It was for XXXX and needed an additional XXXX per the rejection letter it says that I have an existing loan and the time is too recent. When I called for additional information because the letter is not clear. No one can give me explanation and I am trying to find out. They just saying that they would escalate the issue but nobody is doing what they saying they going to do. They are saying its a system issues but the sales reps can fix. I called them the company on XX/XX/20, XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation