vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I called and negotiated over several months to pay the Balance in full. The original loan amount was with Reliable Credit Association in the amount of {$2000.00}. I was incarcerated and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : Reliable Credit Association Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I went to attach PNC bank to XXXX to see what subscriptions I have with XXXXXXXX and my bank has completely blocked me from seeing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with XXXX. I requested documentation to validate that this account was personally done by me and never received any information about it - not from XXXX, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that XXXX has on file. I have even mailed in letters to XXXX and have never received a response, I am literally being ignored by this company.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with XXXX. I requested documentation to validate that this account was personally done by me and never received any information about it - not from XXXX, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that XXXX has on file. I have even mailed in letters to XXXX and have never received a response, I am literally being ignored by this company.

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 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: LA

Complaint narrative:
XX/XX/XXXX : I receive a letter in the mail from Netspend concerning an account that I closed back in XXXX. The letter was dated XX/XX/XXXX, and it stated that my account was issued a refund for Foreign Transaction Surcharge fee associated with returns and reversals. 
The letter also stated that this refund was sent to my account on XX/XX/XXXX. 
Again, I closed this account, but if theres funds leftover in it now, then I want my XXXX funds! By the time, so had gotten the letter, their call center was about to close. HOWEVER ... I still called just to see if I could some assistance, but no. Their automated voice bot makes you go through their menu and then while waiting on hold, this bot has the audacity to tell customers to solve our issues online through Netspends website due to the lack of customer support because of COVID-19. So, I sent an email. ( Spoiler alert : I still got no help ). 

XX/XX/XXXX : I finally got a response to my email that I sent yesterday to customer service, and Ill attach a screenshot that shows that customer service just gave me the run around by informing me to contact their support line because theyre unable to help me via email due to data concerns and other XXXX. Yet, their automated voice bot on the support line tells customers to go online and solve our issues ourselves. 

XX/XX/XXXX : I file a complaint to Consumer Finance to let them know that Netspend is using the pandemic as an excuse to avoid helping their customers with their financial problems during a pandemic. 

Note : I attached a picture of the letter, and the unhelpful customer service response to my email.

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 2020-07-31 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: DISCOVER BANK
State: AL

Complaint narrative:
When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. DISCOVER CARD IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
In XXXX, I subscribed to XXXX XXXX for $ XXXXmonth. Recently I received notice that the price is going up to {$64.00} on XX/XX/XXXX. I do not want to pay that amount and have desperately tried to cancel all of my cards associated on the XXXX XXXX  account. However, that fraudulent company called Google, Inc. will not allow me to cancel my payments even though I have cancelled my XXXX XXXX subscription. I do not and can not afford to have them bill my card on the XXXX of XXXX for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Conn's, Inc.
State: AZ

Complaint narrative:
I opened this Conn 's account in XX/XX/2014 I was never late I asked several times when I made my payment on time to set this account in automatically payments and they did for was never informed that was only for 2-3 months and they removed it without my consent I still made my payments this account shoes charged off and it was not it was paid in full as agreed there's is late payments and incorrect information I need this to be corrected and deleted please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

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 2020-07-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

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 2020-07-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid my balance in full of {$380.00} to CREDIT MANAGEMENT LP. When I asked if they woulf take it off my credit, they told me they would not and the reason is because they had sent paperwork to a former residence of mine in Virginia. I never received any debt collection paper work or anything along those lines. I found out about the debt after it was reported as a collection on my credit report. I feel its kind of XXXX to have you pay this collection and then it stays for 7 years. Why bother paying it then? I tried to dispute it on all three credit bureaus but they wont budge. Id like to have it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened Citibank Account Package including both Checking Account and Saving Account at the beginning of this month and then transferred XXXX $ from my Chase checking account to that saving account. 
On the morning of XXXX XXXX, I receive an email titled " Confirmation : Your Citibank? Banking Card is now unlocked ''. But I do not receive that card. Therefore, I open my online CITI bank asap and find there is a withdrawal XXXX $ in that Saving account ( Cash Withdrawal XX/XX/12 XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX , CA ). I report this case to CITI online bank asap. The custom service block that card, record this case and ask me to wait for further message. 
The manager of my building says our building is broken into by thieves that morning. Mailboxes and some equipment in the hall are destructive. The thieves obtain the mail with card then unlock it and withdraw money on ATM. I have reported this incident and Identity Theft to XXXX police and IdentityTheft.gov. 
At last, CITI tells me that this withdrawal was made from your account with your Citibank Banking Card and refuse any reimbursement. The focus is the transaction is an unauthorized ( this card has been used without my permission ) instead of whether it is made from my account. 
These days, I contact custom service of CITI online bank and call servicing hotline. They refuse any reimbursement and offer any further explanations.

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 2020-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2020-07-31 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
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 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 2020-07-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a letter from Fifth Third Bank stating that my credit card limits were being decreased. Fifth Third states that XX/XX/2020, my credit score from XXXX XXXX was XXXX. I received my credit report in the mail from XXXX XXXX which showed that an inquiry from Fifth Third Bank was not requested until XX/XX/2020 and XX/XX/2020. How was the suggestion from XXXX XXXX made if my credit report was not pulled on XX/XX/2020 by Fifth Third Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My year of birth is incorrect and I keep getting fraud alerts on my accounts. I am XXXX  years of age and i provided a picture of my birth certificate and my XXXX  records to attach to my credit report for future reference

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 2020-07-31 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-07-31 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a loan with XXXX XXXX XXXX, NORDSTM/TD, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, NORDSTM/TD, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX, and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation