vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: NY

Complaint narrative:
For the months of XXXX, XXXX and XX/XX/2020 I was charged a {$3.00} fee for paper statements. I never received any paper statements and did not change my settings from paperless to paper statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Account balance is {$0.00} and is showing as a charge off ( CO ) in error going back to 2015. Account legally paid in full.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

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 2020-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I received a letter from my LoanCare that they had resolved my payment issue in a previous compliant to them filed with cfpb in XX/XX/2019. However I have never been late on my payments and now they are applying each of my payments to the month before. Example. I made XXXX 's payment they are applying to XXXX. this problem occurred when i made my escrow & payment on XX/XX/2019 in the amount of {$53000.00}. When i made that payment i brought my payments current as well as paid off my shortage and should not be a month behind. I spoke to several individuals since then, one in particular was a woman who claimed to be a manager by the name of XXXX whom left me a fake extension number to reach her ( no body ever heard of a manger by that name nor that extension number ) spoke to her on XX/XX/XXXX, she also said that this needed to be corrected and that she was going to put in a ticket to resolve the issue. I haven't heard anything since.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two late delinquencies showing on my XXXX XXXX XXXX Credit card in XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per XXXX. 

Both times we spoke with XXXX XXXX XXXX on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this 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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Account balance is {$0.00} and is showing as a charge off ( CO ) in error going back to 2015. Account legally paid in full.

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 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I attempted to make a funds transfer from my Marcus account today, XXXX, an error message stated, " unable to process '' or similar thereof. The transfer was going to my linked XXXX account in my name, three prior funds transfers were made prior, amounts of {$2300.00}, {$600.00}, {$800.00} with no issues. I called to find out reason for issue, it appears Marcus placed a hold on the account yet again, second one thus far. The reason for the funds transfer is to cover ACH payment items due to withdraw from XXXX account. Also, I am in process of making an offer to purchase a house and need access to funds.. It appears Marcus likes to monitor transactions, mark them as suspicious to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a Citicard member for 31 years and in 2020 I have encountered the worst and most unprofessional customer service. I set up bill pay via my bank and have for the last 15 years. I set the payment up to pay on the due date and never had an issue with Citicards until XXXX 2020. Furthermore, I set up all my other bank payees in the same manner and have never had an issue. I have bank evidence and confirmation from my bank that Citicards ACH 'd my account on the due date ; however, they have begun holding the money and not posting to my account in a timely manner. XXXX also has this documentation. The only nice customer service representative I spoke with in XXXX, easily saw the situation and reversed the late fee and interest. This occurred again on my XXXX statement and there was not any professional CSR agents to assist me. Again, they clearly had the money but delayed posting it. 

I truly feel something has changed behind the scenes and they are now happy to rip off consumers.

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 2020-06-04 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Here is my record ( timeline of my case ) about what happening with citibank credit card of my unauthorized charge. 

XXXX XX/XX/2020 - Received alert of XXXX charge from my Citi app. 
- Called credit card to inform the unauthorized charge from XXXX - XXXX credit card was cancelled immediately by citibank. Citibank re-issued a new card XXXX. 
XXXX XX/XX/2020 - I received letter from Citibank about my dispute. 
- {$470.00} was charged back to my account. 
- Citibank attached a document from XXXX about the purchase that I did not make. 
XXXX XX/XX/2020 - Call XXXX XXXX XXXX to talk to Citi security department. 
- They requested me to submit them a prove. 
- I told them I can not provide evidence to prove that I did not purchase it because it never happened.

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 2020-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is still report an old account that's reporting negatively on my credit report. I call XXXX XXXX XXXX XXXX and spoke with a rep by the name of XXXX on XX/XX/2020 at XXXX XXXX. XXXX confirmed that the account is outside the statue of limitation so they advised all three bureaus to delete the account. Both XXXX  and XXXX  have deleted the account but Experian will not. I spoke with XXXX from Experian dispute dept on XXXX 's team and advised her of the information that XXXX provided me but she refused to do anything to help resolve the issue.

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 2020-06-04 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}

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 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This morning on XX/XX/XXXX, I called Navy Federal about my checking account. I am a XXXX XXXX   XXXX and received deposits for the PPP ( Paycheck Protection Program ) and EIDL from the SBA Coronavirus Aid, Relief, and Economic Security Act, ( CARES Act ) fund. That AID was intended to address the economic fallout of the COVID-19 pandemic for entrepreneurs. So, I was shocked when I spoke with a representative named XXXX who said she could not help me with my account because I owed Navy Federal {$3100.00} from a XXXX that I owned in XXXX. She told me the debt was from XX/XX/XXXX. I  explained to her that this was the first time I heard about it and I have been a member with Navy Federal since XX/XX/XXXX. I have always kept my address and whereabouts known. The account that she mentioned was a Corporate account for a C-corp that I owned. When I moved to VA in XXXX the corporation was dissolved. 

In XXXX, I started a new corporation here in VA called XXXX XXXX XXXX XXXX - new tax ID, This current entity has nothing to do with my dissolved corporation. It is not even in the same line of work. When I asked to speak to her supervisor, a man called XXXX, he was very defensive and said this is the money that I owe Navy Federal. I explained to him that I was never notified and never received even a letter or phone call. I've had my personal account since XXXX. He was adamant in keeping my money as well. I explained these funds are earmarked to provide for payroll. I said if it is seized then I will have to pay it back with interest, plus it won't be used as it was intended. He was very rude. 

I even asked if he could even go after an uncollected debt after the 6 year time limitations had past. He did not care and hung up. 

When I checked my account thereafter, sure enough {$3100.00} was gone. This is my personal account. My taxes are reported on a Schedule C. I believed that bonafide corporations shield their directors from personal liabilities. Even if I wasn't shield from such liability, I was never notified of the debt. Now, I suffer a triple whammy - limited funds to pay myself and contracts, no way to have he {$3100.00} forgiven and more debt to repay with a business I may not be able to keep because I don't have enough funding. 

Will you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to Experian, XXXX  and XXXX. 

The credit bureaus have not updated my account since XX/XX/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
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: CO

Complaint narrative:
30 days ago I submitted a dispute with XXXX concerning capital accounts llc. XXXX  forwarded my entire dispute to Capital accounts llc. I explained that they are attempting to collect a debt that was the result of identity theft. I also attached a police report confirming my stolen identity. I also explained that at the time of the incident I was living in California, not in the XXXX XXXX united states, and to travel there for medical services is lunacy. Still Capital accounts llc verified the account but gave no information as to why the account was verified as accurate. When I contacted capital accounts llc and explained that this account was fraudulent, they did not care and asked me to pay for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank called me in XXXX to ask me if my address had changed ( it had not ) and to ask if I had made certaincharges ( I had not ).

Subsequently, SynchronyBank opened an investigation and closed myaccount. At the same time, they reported to the credit bureauthat my account was closed due to lack of payment, and I believe this had a negative impact on my otherwise outstanding credit score.

Leter, SynchronyBank sent me a letter stating the fraud had been resolved in my favor. 

In XXXX, SynchronyBank ( Amazon Store Card ) charged my bank account checking account {$2100.00} for changesmade on XX/XX/XXXX -- after Synchrony had closed my account. I contacted my bank and reversed those charges. 

Today, XX/XX/XXXX, I receiveda collection call from Synchronyasking for the above amount. After an hour on thephone, they said they will open an investigation '' to help '' me. Also, they still havean the fraudulentaddress in Illinois for me. I have never lived in Illinois as stated by me in XXXX. 

My main interest is to keep Synchrony Bank from continuing this kind of abuse. 

Thank you for your time and I hope to hear from you soon.

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 2020-06-04 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 call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}

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 2020-06-04 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: Trident Asset Management, L.L.C.
State: TN

Complaint narrative:
We received a complaint from a debt collection agency called.Trident Asset Manager for a check written to XXXX XXXX over five years and 10 months ago. The check was for {$52.00} and was presented to our bank and the bank paid it two days later. It was a valid check and Trident continues to claim it was a bad check. I have called them several times. They want our bank account number, date of birth and the last four numbers of our social security numbers. They refuse to provide a case number/account number until they receive the personal information they requested/demands. Per the CFPB website, we are advised not provide personal information to a collection agency. I personally believe they don't have a number or a check number, if they did, they would have the check number. I have written them twice a year for the past three years with no answer. I began calling them which has been to no avail. They started hanging up on me for the past two years.

In addition, there are two other gentlemen with my name, neither are related to me. I also plan to write XXXX XXXX and the local XXXX XXXX XXXX. We would certainly appreciate your help. 
XXXX XXXX XXXX XXXX

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