vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}

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 2020-04-27 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 I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
On XXXX XXXX, I contacted Net Credit and was transferred to collections to get help with my account. I told NetCredit Collections that I was having major issues financially due to the COVID-19 pandemic. I was really upset about the death of my co-worker and unexpected job closure that took place in XX/XX/XXXX and should've waited to call NetCredit. They told me they would defer the due payments to the end loans and that gave me relief until I could figure things out. Today I ( XX/XX/XXXX ) called and said I'd pay XXXX on XXXX from stimulus check. ( I need to get better ) They told me I have two payments due and account is past due.I was very upset because when I called for help they assure me not to worry because who knows the timing to the end of COVID-19 pandemic. They told me I have a past due balance for XX/XX/XXXX that was declined and another payment due. Now I'm stressed all over again trying to reach out for help and to make arrangements to pay didnt work for me and keep I recieving past due notices when I thought they'd help me during this crisis. This is terrible!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

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 2020-04-27 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX  XXXX  XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I have reason to believe I do not owe this debt, as I had closed my wireless account with XXXX on XX/XX/2018. 
I had cleared my account and returned all the equipments against which XXXX issued a XXXX balance receipt ( Copy of original receipt enclosed ). 
I have tried to resolve this matter with the debt collecting company Source Receivables Management, unable to listen or help fix my problem. I have an excellent credit they ruined it by reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have PayPal account I have had for years. I reported Fraudulent activity on the card and the account was frozen. I tried to reach PayPal by phone and had no success for over a week. PayPal no external email or work phone numbers to contact them unless you log into their account. Today I decided to give it one last effort and I was able to get a reprehensive in chat. 
After an hour on chat I was able to access the account again. Upon reviewing my account, I found there were additional charges on the account not authorized. I told the representative about the charges and she said well PayPal has an end user agreement with all the people. 
I have had a PayPal account for well over 10 years and I have never had an issue with a dispute. I currently have three charges on the PayPal account that I have closed and did not make those purchases.

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 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
Rebuplic Finance has violated my rights as a consumer by using unethical and predatory loan practices during the Covid-19 pandemic. My hours were cut at my job and I informed Republic Finance of my financial distress and uncertainty of my income. Not only did they call 2 times a day requesting payment but they also sent multiple letters requesting payment that led to additional emotional distress for me and my family. I have made on time payments since my first payment on XX/XX/XXXX. I called to request a relief due to loss of income and was told that the only relief that could offer was a one time reduction in payment that had to be paid right away on XX/XX/XXXX. I explained that I didn't have anymore income to replace what I had in my account and was told they only have that solution. The loan is predatory in nature with a 39.180 % interest rate and I had to list the televisions in my home as personal property collateral. Republic Finance has engaged in enfringement on my right to privacy, harassment from the multiple calls and request for payments. Statements from company were false and misleading and the constant communication has led to undue emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NV

Complaint narrative:
I notice multiple accounts showing on my credit report that I never opened nor authorized. I summitted a disupte the beggining of XXXX and the company closed my complaint without investigating what I was disputing

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 2020-04-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My husband passed away on XX/XX/2020, I am XXXX XXXX XXXX. To avoid any charges on our card, I cancelled his card for being deceased, and also cancelled my card and BP - Synchrony Bank issued me a new card number. I noticed charges on our card for XXXX and Amazon but had no idea what they were, they could have been my husbands. Even after I cancelled my card, BP aka Synchrony subsequently gave XXXX and Amazon the new account numbers. The charges were not authorized. I do not have access to the XXXX or Amazon account, and Amazon says I must log in, XXXX would only say the charge was valid. I disputed the charge On XX/XX/XXXX, they made me fill out paper forms and send them in to dispute, later I subsequently called the company where I was told they cant stop it, and they will give out my card number for recurring charges. I explained that these were not authorized, and I would cancel my account if they showed back up. They stated that even if I cancelled my account with BP and Synchrony, I would still be responsible and I needed to wait for the result of their investigation. After all this time, they credited me for one month, but allowed the charges to continue on my account the very same day. They are taking advantage of a widow senior citizen by not stopping these charges.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have tried to transfer money from my PNC account to my XXXX  account and it wont let me because it said something about the bank not allowing you I dont see the point in having PNC as an option to transfer money when youre not even able to transfer any form of funds in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting an account as being a credit card/ charge account, when in fact it is a revolving account. I have reached out to Equifax and I also have several complaints that I have expressed, but I have yet to hear from Equifax. The account that needs correction is XXXX, XXXX XXXX. Date opened : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I made an online purchase from " XXXX  XXXX  XXXX   XXXX XXXX '' for a replacement engine ( 3.3 liter ) for my XXXX XXXX XXXX. On XX/XX/XXXX I contacted Citi Credit Card services to put a hold on this charge as the merchandise had not been delivered, claim # XXXX. On XX/XX/XXXX a delivery of an incorrect item was delivered to the dealership responsible for completing installation. I was notified by the dealer that a 2.7 liter engine for a XXXX XXXX XXXX was sent in error. I contacted " XXXX XXXX XXXXXXXX XXXX XXXX '' and was informed they did not have the correct part I needed in stock and could not give me an estimate of when one would be available. I told them that I would need to look elsewhere for the part as I had no vehicle to drive and asked them to refund my payment and they refused. I contacted Citi Credit Card services and made them aware of the above transactions and to issue a full refund. Citi contacted the vendor and was supplied delivery documents for the incorrect part and refunded the vendor anyway. I contacted Citi Credit Card services by registered mail and by phone numerous times asking for an explanation for their actions and proof that the vendor had satisfied the dispute with documentation. I was told that they would investigate and send me documentation for their actions but only received letters saying the dispute was closed. I have been a Citi Credit Card services customer for 28 years and the first dispute I file is totally mishandled and I am expected to pay {$2100.00} for merchandise I did not receive.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX  charged me {$72.00} on XX/XX/2020 to renew a service that wasn't supposed to renew until XXXX/XXXX/2020. I called XXXX on XX/XX/2020 to cancel the service and request a refund for the charge, since no service had yet been given for it. They refused the refund. I then called Chase Bank, and filed a dispute. Chase bank now refuses to recover the funds, saying I received services for the amount paid. I sent them several irrefutable documents proving that was not true. They still refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Debit MC is denying access to my account online and via telephone who's answering service is instructing you to go online and when doing so the website is denying access. went a local Bank XXXXf AmericaATM XXXX XXXX XXXX XXXX House ) and according to inquiry $ XXXX which is impossible because on XX/XX/XXXX Deposit $ XXXX XXXX {$13.00}.?? opening balance not showing in statement XXXX XX/XX/XXXX Available Balance {$27.00} XX/XX/XXXX Available Balance - {$11.00}? 
XX/XX/XXXX Available Balance- {$11.00}? 

Also, this debit card can not be overdrawn

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Td bank americas most convient bank. turning a fraud victim, into a suspect. 
On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house. 
Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}. 
The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX  XXXX  MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX  to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device. 
Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim. 
Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection. 
XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The issued resulted with the Hunting National Bank during the period of XX/XX/2020 in relation to the final pay of the vehicle loan I had with the bank. 

1. The monthly not for the loan was {$270.00} which was always paid on time for the duration of the loan of 60-months. 
2. There were allowed by the bank upon two separate occasions during the XXXX periods ( 2 ), and accepted by me that the monthly notes would be delayed until the end of the loan ... with the appropriate interest charged at the time pf final pay. 
3. There was a remaining payoff of {$650.00} to be paid that would completely pay off the loan balance. This amount was agreed by the customer service agent to be paid ( in split ) amounts ; however, according to the agent there would need to be a late charge fee of {$35.00} applied which the agent agreed to be waived if both payments were made on time as agreed. 
4. The first payment was made on XXXX XXXX, 2020, the second was made on XXXX XXXX, 2020. Both had been made on time that should have commensurated the term of the loan including the additional interest charged for the extension. However, several days following the final payment to the loan I received an alert from my credit score that my score had changed by XXXX point ( negatively ). Upon inquiring, it was determined that the cause was due to a late payment to the Huntington Bank because of a late feed not paid. When I inquired to the bank as to why, I was apologetically told that the action should not have been reported and that the bank had no means of changing their reporting to the credit bureau and that I would need to file a formal complaint in order to get the matter corrected. Prior to this matter I had no negatives in my credit report from either of the three reporting bureaus. I am seeking to have this removed from my record an my formal score restored, Thank you for your consideration and assistance in getting this corrected. 

I Remain in Sincere Regards, XXXX XXXX XXXX email : XXXX The issue resulte

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX  store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX  and they are of no help and will not 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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been getting charged {$20.00} per month. This has been a free account in the past. We have a mortgage with Citizens Bank that also meets the relationship requirement. I called in. I was on hold for over an hour. When the person came back on she stated she could not hear me and hung up. I would like the funds I have been charged to be re-funded. 

Thanks

Company response to consumer: Closed with monetary relief