vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: FL

Complaint narrative:
This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of 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 2020-02-20 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: NJ

Complaint narrative:
I called this company in XX/XX/2019 I made payment arrangements they have been taking {$190.00} every month faithfully without missing a payment and its being on time. They told me this year they would not be taking my income tax I just looked and they took all my money and they did it last year to after Ive been making payments faithfully not only that they did not update my credit report accurately every month it says not on time when I have proof with my bank account my bank statements showing Ive been taking XXXX out automatically every month how is that fair? My name is XXXX XXXX My phone number is XXXX this is not fair Ive done everything they told me to do and they still took all my money they lied to me and theyre not updating 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 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TrueAccord Corp.
State: AR

Complaint narrative:
On XX/XX/2020 i recieved an email from TrueAccord on behalf on XXXX XXXX threatening me that if i did not contact them regarding the debt, that XXXX will use an attorney to take me to court for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI

Complaint narrative:
I have been trying to obtain a proper debt validation from XXXX XXXX XXXX, Second Round Up, XXXX XXXX as well as from the three major credit bureaus with no such luck. Attached is a copy of dispute results from XXXX showing theyve deleted this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a G.M. Card that Capital One is administrating. Every XX/XX/XXXX is my anniversary date. In the past and what I paid in XX/XX/XXXX I received my 5 % credit toward a new GM Car. This past XX/XX/XXXX. I had unusually high expenses for me and I did not get the 5 % credit. I called in and I was told that there were problems with their bills. I called in XX/XX/XXXX. and received the same answer. I finally got 5 % credit for my XX/XX/XXXX. Bill When I called about XX/XX/XXXX. I was told that they ( Mr. XXXX ) will put in a ticket. I just called again and the voice mail said that my anniversary date is nowXX/XX/XXXXXXXX  and when I spoke to some girl she said its XXXX. She said that she can't do anything about it and also told me there aren't any supervisors for me to talk to. I would like to get my 5 % credit ( my bill was for {$1600.00} and 5 % of that is {$80.00} ). This was the 4th time I was told someone will call me. When I asked for a ticket number for the complaint I was told there aren't any ticket numbers. Can some one please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: IN

Complaint narrative:
Ref : Citibank MC Account # XXXX XXXX I need to dispute 23 Florida charges because they are not authorized nor initiated by me. I also was not in Florida and did not sign for them. They are fraud. I logged into Citi website and found unauthorized charges on XX/XX/XXXX, and then saw that my card was missing. I then closed the card and report these charges as fraud online on XX/XX/XXXX. 


XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$3.00} XXXX STORE {$3.00} XXXX XXXX XXXX {$53.00} XXXX # XXXX {$14.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX {$14.00} XXXX XXXX   XXXX {$11.00} XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$69.00} XXXX # XXXX XXXX   XXXX {$45.00} XXXX XXXX {$9.00} XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX {$6.00} XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$6.00} XXXX # XXXX XXXX XXXX {$31.00} Please investigate and credit my account for these 23 unauthorized charges ( dated XX/XX/XXXX to XX/XX/XXXX ). You need to reverse the charges while you investigate. I did not receive goods or services. If you require a fraud affidavit, then you need to mail it to me. I consider this letter an affidavit of fraud. It has been over 30 days since reporting it. I have faxed and emailed letters. I have chatted online. I am now filing a complaint. I have never experienced such a difficult process from a credit card, and will not be using your card in the future. 

Sincerely, 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 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received an invitation from Bank of America to open a bank account that promised a {$350.00} bonus upon completion of the terms. The terms were that direct deposits totaling {$4000.00} would be deposited within 90 days of account opening. We completed that end of the agreement well before 90 days, and should have received the bonus in our account on or before XX/XX/XXXX. When that did not happen, I called a BOA representative around XX/XX/XXXX, and she apologized and stated that the bonus should deposit within the week, perhaps was delayed by the holidays. Mid-XXXX we still did not have the deposit, so I called back and was referred to the Digital Services department of BOA. Once again, they looked over the account, noted that our end of the deal had been met, could not explain the error, but promised it would be " escalated ''. I called back again on XX/XX/XXXX and spoke with XXXX in Digital Services ( XXXX ), who now thoroughly apologized, also could not explain the failure to deposit the bonus, stated he could see the {$350.00} bonus sitting in some sort of holding account, but did not know why their automatic system did not release it. He promised it would be deposited by XX/XX/XXXX, which is today. It has still not been deposited to our account. I can not seem to get any further with Bank of America, and feel they have reneged on their own offer. I need help resolving this issue. I have all of the emailed correspondence from BOA displaying the original offer.

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 2020-02-20 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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX   XXXX XXXX {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: FL

Complaint narrative:
This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of 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 explanation
Consumer complaint received 2020-02-20 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: FL

Complaint narrative:
This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of 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 explanation
Consumer complaint received 2020-02-20 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: OH

Complaint narrative:
On XX/XX/2020 our debit card was used at XXXX XXXX   XXXX in XXXX ohio. Within a 15 minute time period our card was used without our authorization for a transaction of {$470.00}. We disputed this to our bank chase bank who gave us back the {$470.00} and then investigated it for us but found no fraud and took the {$470.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of 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 non-monetary relief
Consumer complaint received 2020-02-20 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX. 

I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 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: Amsher Collection Services, Inc.
State: UT

Complaint narrative:
Amsher Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MN

Complaint narrative:
In good faith, my husband and I entered into a loan agreement with LendingClub to make necessary repairs to our home. Unfortunately, he was unemployed shortly thereafter for approximately 1-1/2 months and his salary was reduced by {$70000.00}. We have continued to make monthly payments of {$710.00} at 20.30 %. On XX/XX/2019, we tried to renegotiate the loan with XXXX and XXXX of LendingClub to more favorable terms of {$510.00}, 15.17 %, 60 months. It was denied. On XX/XX/2019, we spoke with XXXX of LendingClub at XXXX to discuss renegotiation and erer again denied. Also during this time ( XX/XX/2019 ),  LendingClub tried to put us into collection with XXXX XXXX XXXX XXXX, XXXX for missing one ( 1 ) payment which we did not. Even XXXX agreed that LendingClub 's action was ridiculous. The continuing payment of {$710.00} is now a hardship and we want to settle the remaining balance of {$21000.00} with a cash amount both parties agree on to dismiss this debt with no adverse credit rating. In closing, LendingClub has been making harassing phone calls to both of us on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with XXXX XXXX. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people

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 2020-02-20 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I have not been able to have physical ( verbal over the phone ) contact with Sagestream LLC, they have reported some false data ( very slanderous ) and thus I have been trying to confirm an see what is on my " version of their credit report '' and have been trying to get things resolved and corrected ( history shows they are notorious for this type of behavior per BBB reports from other consumers that have led to SageStream LLC having an F rating ) I have submitted electronically all documents requested. 
I have also requested a freeze as well I have NOT gotten any confirmation from them with regards to my info as they requested from their website, nor any form of communication from them.. They DO NOT pick up the phone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I received a call and was convinced to purchase a vacation package from XXXX XXXX XXXX. Due to issues with obtaining my passport, I called to cancel the vacation on XX/XX/XXXX as outlined in the XXXX XXXX XXXX disclaimer. I spoke to a representative named XXXX and was told I would receive a refund in 5 to  10 days but never got it. After following up with XXXX and being ignored, I called my credit card company, XXXX, to file a dispute. On XX/XX/XXXX I spoke to XXXX at XXXX and he suggested I wait another 10 days and call back if a refund was not issued. On XX/XX/XXXX I filed a formal dispute with XXXX for the transaction in the amount of {$1300.00}. Attached are responses to my complaint from XXXX dated XXXX XXXX stating that they would not assist me even though they contacted the wrong company, XXXX XXXX XXXX, during their investigation. On XX/XX/XXXX I reached out to the BBB, followed their complaint process, worked with a rep named XXXX XXXX at XXXX and again received responses that XXXX will not assist me in resolving the matter. It is obvious to me that XXXX XXXX XXXX is using unethical business practices as they ignore calls, drop phone calls, do not respond to emails, and have an inoperable website that does not allow customers to make contact. However, I thought my credit card company, being the giant that it is, would provide better protection for consumers like myself who have done everything possible within the prescribed guidelines. I now question the business practices of 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 2020-02-20 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: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
AXCSSFN/CNGO # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation