vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I did not request to open a checking acct ( acct # : XXXX ) with Citybank, nor an ATM card ( XXXX XXXX XXXX XXXX ). I have contacted City Bank since early XXXX to report this fraudulent account by phone, mail, etc. and followed up with City Bank a few times but never received any response from them. On XX/XX/XXXX, I just received another bank statement from City Bank and it seems that they still keep this illegal account under my identity. I need to know when and who opened the checking acct under my name, and why no one from Citybank ever contacted me and verified with me. 
I requested Citybank immediately cancel this fraud acct and ATM card. I want to let you know that I wont use your checking account service as I dont have a plan to do so. Please have an investigation to see who and how this happened and make sure it wont happen again that unauthorized request or activities to my Citybank 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 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NH

Complaint narrative:
usbankreliacard : Unresponsive to telephone inquiry ( XX/XX/2020 )

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 2020-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased 4 flight tickets from XXXX to XXXX  using my Chase Sapphire credit card - where Chase Reward is considered to be the travel agent, order number XXXX. The Total amount was {$3800.00}, which {$800.00} came from the amount as credit earned points and the rest - {$3000.00} as the balance charge. 
The flight was scheduled to leave XXXX on XX/XX/XXXX and return to XXXX  on XX/XX/XXXX. 
Due to the COVID19 situation I realized that we may not be able to get on the flight due to the fact that the country of XXXX closed the sky for tourists and those that were allowed to get on the flight ( XXXX Citizens ) will be requested to stay in self quarantine of 14 days. 
We made many phone calls to the airline company while we were waiting on average 2 hours in order to get a representative on the line - the conclusion was that the airline company can not communicate with us directly since we purchased via a travel agent ( Chase Reward ). I was trying to contact Chase rewards for a few weeks, spending over 3 hours on the line to get a representative until the line was getting disconnected over and over. I had a chat with Chase Cards to dispute the transaction however I decided to wait to see how the COVID19 situation will develop. Our scheduled flight was eventually cancelled and rescheduled to an unknown date where Chase Rewards still did not provide any support and or explanation. On XX/XX/XXXX I held a call with Chase CC dispute and after a long call the representative agreed to start a dispute process. On XXXX, XXXX, XXXX I received a letter asking for more explanation. We provided a highly detailed letter of explanation, mailed it, faxed it, and handed it into Chase branch to deliver to the dispute department. A week after I saw that I had a missed call from a restricted number followed by a voicemail which was not clear and no phone number for a return call was provided. On XX/XX/XXXX I received another letter asking for more details about the transaction. At this point I feel that the credit card company does not protect my legal right to dispute the transaction and receive the funds back along with the interest rate. Obviously I did not cancel the transaction and the service provider couldn't deliver the service which we agreed upon on a specific date. Chase credit cards are part of this world pandemic and they are aware to the face that many flights were cancelled due to this. For some reason it seems like they try to drag their legs and to find any possible way to decline my legit dispute. As a client of Chase Sapphire I have the expectation that the company will protect my interest as their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX submitted complaint no XXXX on problems during payment process making it difficult to make payment due to portal issues and bad customer service. That was part of the total complaint. The second part was not resolved. That is the nature of this complaint. Escrow account increased as it relates to insurance from XXXX to XXXX per year. After review of insurance with XXXX agent, net increase on all insurance coverages and not all paid by escrow was {$1000.00}. A difference between XXXX and XXXX insurance of {$2600.00} while actual insurance is significantly less than that amount. Need cfpb to impose sanctions or something to make this lender stop these practices since it appears that they have no respect for customers and oversight agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
WE KEEP GETTING FORCED TO PULL XXXX   AGFAINST OR WILL THIS I DONE WITHOUT PERMISSION AND LOWER SCORING AND HIGHER RATE

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 2020-08-01 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: LA

Complaint narrative:
I've tried to resolve this issue multiple times but I'm getting no where. The accounts that are listed on my report that I'm disputing doesn't even have an address listed on my report so how are the accounts being verified??? I don't have a name, telephone number or any way of contacting these companies so how can the accounts verify as my accounts?? I need the accounts removed immediately. Their are laws put in place for this type of issue to protect a consumer but what do you do when they aren't being followed??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Collection is not from original creditor. I never heard of XXXX XXXX XXXX to owe them {$1500.00}. I never had a contract with 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 explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: CA

Complaint narrative:
After initial contact, I sent Penn Credit a debt validation letter in XX/XX/2020 with no response until XX/XX/XXXX of 2020. The request for payment claims I owe XXXX {$260.00} for purchased merchandise. However, I have not been contacted by XXXX and assume they have had ample time to send me a bill. Im not sure if this debt is valid because they have not responded to my validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have {$380.00} in collections according to XXXX XXXX because of Hunter Warfield. They believe I still owe my apartment complex more money after moving out.

I paid my deposit of {$400.00} that's in my lease that me and the manger of said complex signed but the lease has been ignored and they believe I only put down {$100.00} deposit. 
I have sent my lease agreement to them and received no response.

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 2020-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Card erroneously placed a charge on my account in XXXX. 
The Discover account representative acknowledged this error and said that it would be reversed and corrected. It was not. 

The charge was still on the next monthly statement. On XX/XX/2020, I called again and spoke with the head of the accounting department who assured me that the erroneous charge would be removed within two days.

Today, I received another statement, and found that this issue still is not resolved.

I call Discover again, and was told the matter was still under investigation. This is completely different from what was stated on my prior calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Wont let me link my pnc account to any virtual currency accounts. XXXX XXXX  account, any stock market apps and ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Collections is not from original creditor I dont know Portfolio RC-XXXX yo owe them {$1200.00}. I never heard of them and I never had an contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Problem getting your free annual credit report
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
WE APPLIED FOR AUTO LOAN AND FORCED XXXX  IN OUR FACE BECAUSE OF LOWER SCORING AND HIGHER RATE.

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 2020-08-01 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: OH

Complaint narrative:
I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX provided that 'bought ' the account is no longer in business. I need answers.

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 2020-08-01 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: OH

Complaint narrative:
I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX  provided that 'bought ' the account is no longer in business. I need answers.

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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was approached by a female I'd known for some time, who said she needed {$160.00} to get her electricity turned back on.I sent the money through PayPal, and she said she wanted to come to see me, but needed money for gas. She was supposed to be here the weekend of XXXX XXXX, but never showed up and kept texting that she needed more gas money. By XX/XX/XXXX, I had sent her a total of {$770.00} and still no sign of her. I asked for my money back, she refused. I then filed a dispute with PayPal, and they denied it. 

I can send you a complete record of the transactions upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 is incorrect
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
Factual Data is a credit reporting agency that is affiliated with most lenders, banks, and mortgage companies. 

The information that Factual Data has stated that they list on their credit reporting database is generated from the three major credit bureaus. 

However, the information that Factual Data has listed is dated and old and outdated. I have in the past on multiple attempts contacted Factual Data both via US Postal mail and phone calls and the issue still persists and has yet to be corrected to date. 

I have again recently within the past week requested a current copy of my personal Factual Data credit report, and I was sent an old report in the mail that was dated from XX/XX/2019 and still shows inaccurate and outdated information and details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CA

Complaint narrative:
I disputed this back in XXXX XXXX it now has been 4 times and they will not send me a wet copy of the original sign contract per FRCA SEC 61 .A 1.A. 609 5A. IF NOT RESOLVED soon I will file suit in 30 days ill have no choice covid 19 Nd this forced lockdown with no work no one to help and the3se negitive items that are not true now the SBA w0nt give me a grant im drowning no help n n0 0ne cares please help you could be my finL hope.XXXX XXXX XXXX account # said xxx. XXXX please delete

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 2020-08-01 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: CA

Complaint narrative:
i have a fraudulent account 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 2020-08-01 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: WHEELS FINANCIAL GROUP, LLC.
State: NM

Complaint narrative:
The account was in charge off status on my report from XXXX  and XXXX  I disputed the account and it was removed from XXXX but not XXXX. In XXXX of 2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX  account showing open and current! I have not And will not ever paid on this account as my XXXX  ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my abuser! However if you look at the history of the account you will see it should not be reported as open and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CA

Complaint narrative:
i have a fraudulent account 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 2020-08-01 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: CA

Complaint narrative:
i have a fraudulent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION DURING CORONA 19 ALSO, IGNORED CEASE CALLING MY DAD ( XXXX ) XXXX CALLED 11 TIMES AFTER CEASE HAVE SCREEN SHOTS.

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 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I never had a credit card so that's why I never had a credit report. I opened my first credit card four months ago and when my credit score became available, I found out that there's a medical bill collection on my credit report. I never received any notice or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CT

Complaint narrative:
I applied for a XXXX Mastercard and they declined me. I recieved a letter from them on XX/XX/XXXX and they claim my credit score is XXXX which is completely incorrect. I know my credit score is over 600 and use XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief