vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Installment Loan Statement billing address change request is being ignored by Citizens One. 

It took months for Citizens One to address an error in the first billing address. They forgot to include the apartment number. 

When Citizens One made the apartment number correction I received my first installment loan statement and I returned the bottom portion with a checkmark in the box for address change request. I also completed the backside with the new address. 

Many requests for the address change was made to Citizens One. The last request was made via email on XX/XX/2020 at XXXX XXXX EDT. As of today no response to this email from Citizens One and I have not received an installment loan statement at the new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
On XXXX, COMPLAINTANT has opened an account with " Bank of Oklahoma. '' From XXXX, SMS/Email notifications related to mobile banking have started to go through successfully. 
On XXXX, COMPLAINTANT 's online banking account was suddenly suspended. 
On XXXX, mailed debit card by XXXX was activated. 
On XXXX, representative claimed that the account looked suspicious and had to be closed. 
Representative went on to ask the COMPLAINTANT as to whether he knew what he was doing. COMPLAINTANT indicated that the representative shifted the reason for termination of account twice. From ( 1 ) account having added external accounts to ( 2 ) being outside of it service area. 
COMPLAINTANT wonders whether only the accounts having added no external accounts fit BoKF 's criteria of not being suspicious. BoKF can close anyone 's account for any reason, however in this case, it had to switch reasons around to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-04-08 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-04-08 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: TN

Complaint narrative:
Unemployment made two deposits to me. It stated that my banking info was wrong ( it wasnt ) so the money was deposited on a way2go card. I never received a card and I can not get a live person to talk to at the way2go card. No number or option is available or email address. I need to get in touch with them for the state of Tennessee. I have contacted the unemployment office in XXXX but they can not help with the way2go card. I have contacted the bank that backs the way2go program and I was told they only provided the plastic for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have submitted to the credit bureaus to remove dispute messages off my 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 2020-04-08 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
The company called XXXX XXXX c/o XXXX reported on my credit report that I was past due on a loan that I did not approve. This was reported on my XXXX  report on XX/XX/XXXXXX/XX/XXXX, with the loan amount past due being {$3800.00}. When I got the alert I called the company and after several hours I was able to get a customer service representative on the phone. I explained to her what was reported to the credit reporting agency and that I had no knowledge of this account and never requested a loan from this lender. She took my information and said her company would investigate this and get back to me as soon as possible. I never heard from anyone for 2 weeks. I called back and got the same answer. After another week, I called again and told them that I had been told for 3 weeks that someone would be investigating this account with no results and the agent again told me that they were still investigating my account and they would notify me when they came to a conclusion. After never hearing anything from the company, I disputed the account on my XXXX   report, but there were no changes made to this account. I have since not been able to get ahold of anyone higher than a customer service representative. When I ask to be transferred to a supervisor I am told to please hold and then the line disconnects. This has happened over 5 times. I have made many many attempts to contact this company as well as the credit bureaus with no luck whatsoever. After several months of trying to fix this issue, it was reported to XXXX  that the debt was sold to National Credit Adjusters LLC. I have since contacted them via the phone number and address listed on my credit report, with the same results as the last company. My last attempt to contact this company was on XX/XX/XXXX via phone and XX/XX/XXXX via mail with no further response. The account history reported shows 4 paid on time payments to this account, which of course were not made from my bank account- which I would have been able to dispute through my bank. When I also made this aware to the financing company as well as the debt purchasing company, they just told me that they would notate that in the file and let their supervisor know and get back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is against Bank of America regarding false and erroneous banking practices. Bank of America is duplicating charges in my checking account. On XXXX/XXXX/2020 I paid XXXX XXXX from my Bank of America checking account {$650.00}. The transaction cleared and posted to the checking on XX/XX/2020 as paid. On XXXX/XXXX/2020 a duplicate transaction for {$650.00} was debited to my checking account by Bank of America this caused my account to become overdrawn by {$51.00} and I now have no access to my money to go grocery shopping. I called XXXX XXXX, the merchant, and they only have one payment in the amount from me of {$650.00} not two as Bank of America is reflecting in my checking account.what is more is on Friday XXXX/XXXX/2020 my debit card was cancelled due to fraud in the amount {$710.00}. The fraud was cleared up on XXXX3 days later. If my debit card was cancelled on XXXX/XXXX/2020 how was my card debited a second time on XXXX/XXXX/2020 four days later in the amount of {$650.00}? there is NO way for XXXX XXXX to charge my card for {$650.00} from a debit card that was cancelled four days previously.

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2020 I noticed an alert on my credit file from Jefferson capital systemXX/XX/XXXX wireless. Its a collection saying I owe them {$1000.00}. 
I immediately tried to contact them. I filed a dispute with XX/XX/XXXX the same day of the alert to get it removed from my account. On XXXX/XXXX/2020 the file was only updated. This is not my account. It's taking a toll on my credit score. That's not right. Please help me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Someone from the Company duplicated my mobile account upon the time of first opening and I spent months and months trying to explain this to the phone company but what happened was they did nothing and I received the final bill and the letter of debt collection on the same day.

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 2020-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
well the account was charged off being my monthly payments more than doubled. It was harder to keep up payments. Well last week, they drafted two payments from my account over {$700.00} but tried to draft three payments at one time, but the bank rejected the last one. During this COVID-19 ordeal money is tighter than usual and for them try to get 3 payments out my account is ridiculous. My entire check was gone! I heard of businesses offering customers a 3 month moratorium, I just want to know was this action lawful under the fair debt collections policy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS

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 2020-04-08 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 identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-08 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 identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-04-08 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: AZ

Complaint narrative:
Collection company is reaching out to me about a debt that isnt mines. 


Ive never worked with the collection company nor do I have a contract with the company nor have I at any given time. 

Ive tried to work with the company and informed them Ive never worked with them but they continue to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute with Equifax online after waiting on hold for over 2 hours. I could not get any answers from agents over the phone and they didn't even undestand what I was talking about. I followed the directions and submitted the dispute using my Equifax account. I went to check the status and was met with the following message : " It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX  until XXXX XXXX  EST, seven days a week so that we can help. '' I called the number and the systems hangs up every time you press 1 to speak with an agent. I called corporate and I was put through to a specialist and a supervisor who did not know what the message meant and said they could not help. Equifax is not assisting me and not correcting the information on my credit report. I even uploaded a letter from a lender to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX//2020 I attempted to close this Golden 1 Credit Union savings account by entering an ACH transfer from this account for the remaining balance of {$20.00} to my primary bank. The account I was attempting to close had been opened with a minimum balance as a requirement of an auto loan that I have since paid off. Since opening, I have never overdrawn this account nor have there been any transactions in it. 

Although the transfer would have drawn the account down to {$0.00}, not a negative balance, the transfer was stopped for non-sufficient funds, and I was charged a {$29.00} fee for the returned ACH. On XXXX/XXXX/2020, I called Golden 1 customer service to request the erroneous fee be reversed, have my balance transferred to my primary checking account, and to have the Golden 1 account closed. I explained that the stoppage of the ACH was an error, since the ACH would not have overdrawn the account. The agent claimed that the fee was not an error on the part of Golden 1 and he was therefore unable to reverse it, although he was unable to explain how a non-negative balance constituted NSF. He also claimed there was no manager I could speak with to escalate the issue and explained that if I wanted to close the account, I would now need to deposit {$9.00} to cover the overdraft ( caused by Golden 1 unjustifiably stopping the ACH ) first, then I could request the account be 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 monetary relief
Consumer complaint received 2020-04-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS

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 2020-04-08 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have submitted to the credit bureaus to remove dispute messages off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This loan isn't mine I have filed a police report several years ago regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}

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 2020-04-08 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 bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}

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 2020-04-08 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:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$410.00} XX/XX/XXXX XXXX {$900.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX {$890.00}XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00}XX/XX/XXXX XXXX {$62000.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$23000.00}XX/XX/XXXX XXXX {$3900.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation