vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: NY

Complaint narrative:
The company reports again a XXXX  XXXX business account which was already verified in the past as a business account and was deleted

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX2020, my PNC Bank Credit card was stolen. I instantly made out a police report. The police came to my home and gave a police report # XXXX. PNC Bank will not send me the fraudulent transaction from XX/XX/XXXX2020 to current -Last XXXX # XXXX. The officer need that information to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
This bank treated me horrible when calling to inquire about having an account they said I dont deserve to be their customer awful that I dont make enough money and send me an email with a rude manager from the XXXX XXXX XXXX branch he was rude to me the entire day calls me at XXXX to tell me that I cant have an account with no reason He even told me to go somewhere else I can afford this is unacceptable from a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: DC

Complaint narrative:
Citi Rewards Card Ending in XXXX On XX/XX/XXXX, I received a text message asking me if I tried to make a purchase in excess of {$4000.00}. I replied no to the text and received a subsequent text asking me to call the fraud department. I did. I was actually sleeping when the text came through, but I responded within an hour or two of receiving the text message. 

I called the fraud department and spoke to a CSR and we discussed the situation. The CSR asked me to verify some other purchases. I never made any purchases with this particular Citi card since I had it. I just kept it for the credit building purposes. Anyway, the CSR asked me about other charges for gas at some gas station, a charge for XXXX XXXX and something else. I told him I've never made purchases with this card and know of none of those places. 

The charges were all refunded back to the card. {$4300.00} to XXXX XXXX, {$4100.00} for XXXX, but nothing ever came through for gas or anything else. This was in XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account to see if credit from a different vendor had reached a different Citi card from a XXXX purchase, and I see a balance of {$4100.00} on the Citi Rewards card. That same night I received a letter dated XX/XX/XXXX, indicating that Citi feels that I should pay for the {$4100.00} from XXXX because they think I had the card with me. I 100 % disagree with their findings and feel that I should not have to pay for a credit card charge that I did not make. I didn't have the card and Citi sent me a new card and asked me to cut up the previous card. I put that card away somewhere in a bin with other credit cards that I never use ; I just build my credit. 

I've never used this card for ANYTHING! I never even knew of the charges from the gas station or the XXXX XXXX until the CSR told me over the phone they there were there. Further, how could I be refunded one charge but not the other?

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a letter from Convergent Outstanding Inc. saying I owe {$5500.00} to XXXX XXXX. I first heard this a year ago on one of my credit reports, I fought it and it was removed, I do not know about the other credit reports as I do not use credit often. 
I have NEVER used XXXX for anything, this is not my debt. 
When I called XXXX they told me the bill came from XXXX XXXX, a company that does not even operate in my state, but they refused to send me any letters as proof of where this debt came from. When they never replied, I assumed this was over with. 
But now I have this debt company trying to sue me for money I never owed. 
How do I make this go away?

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing continuously misplaces my mortgage payments or cashes the check and its not posted to my mortgage account. I have to pay 2 monthly mortgages sometimes and hope one of them gets posted. I have never missed a payment in over 20 years and they are making it harder and harder to submit a payment, its a complete nightmare. I have tried contacting them its a vicious circle. I pray they will sell my loan tired of the stress. Please Help Me

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XX/XX/XXXX I utilized PayPal as a payment device to buy plane tickets online for a family trip. The following day I contacted PayPal again and asked them to cancel those tickets because I was then under the impression that the company that I bought the tickets from was possibly fraudulent. PayPal told me that they would refund my purchase price in full, {$860.00} worth, to my account within 3 to 5 business days. After eight days I contacted PayPal again and asked them why I had not received my refund? They told me that it had been issued on XX/XX/XXXX, however, my bank does not show an inflow of refunded money until XX/XX/XXXX from PayPal. On XX/XX/XXXX I contacted my bank and asked them to review the transaction as fraudulent XXXX I had not gotten a refund. Instead of putting the transaction on hold during their discovery they instead put a stop payment on the transaction and fully refunded the money to my account. On XX/XX/XXXX PayPal also refunded the money in total effectively doubling my bank funds. That would otherwise be considered a windfall, however, PayPal then reported that I now had a negative balance on my PayPal account and demanded a reimbursement of the monies that they had sent to me. As of today I have spent over five hours on hold or awaiting someone to respond via PayPals voice response callback system and/or their chat application. All attempts that I have made to reconcile the account via the links and tools that they have provided online, all of which are linked to my bank account and my credit cards results in an error. Every attempt I have tried to make since XX/XX/XXXX to talk to a representative about the problem results in either being transferred to a department that cant handle the problem, or, being hung up on during the transfer. Every day I get messages from PayPal telling me that I need to reconcile this problem but the only available tools outside of attempting to get an agent on the phone is via their web application. Since my account went negative with PayPal they have locked me out of my account and are forcing me to attempt to pay this debt by charging it to a consumer credit card thereby inflicting me with a cash advance fee. I have the money to pay them, I want to pay them, but, they have made it impossible to pay them without incurring a fee for it and that is simply predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I called Transunion and XXXX about removing or repairing my credit scores because of someone submitting Credit Card or Loan application under my name. When I called or dispute and to have a credit freeze put on my account, they want me to pay for this, I do not agree paying for something that was put on my credit report and I did not submit the application. This is wrong and something needs to done about this. They should be able to correct this, they let the wrongful person put an Inquiry on my reports without my consent. It is not right and especially I am trying to buy a house and have not submitted any application except 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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I Signed up for the MyEquifax.com using their web page. After entering everything it said they needed to mail me a verification number in the US Mail and to follow the instructions sent along with the number to complete sign-up. Received the letter on XX/XX/2020. I immediately followed the instructions to enter the number on their web page. When complete, this time it said I needed to call XXXX & speak to a representative. I called and was told I would need to mail or fax drivers license, phone bills, rent receipts, etc. While I was on the phone, I received email that said I was all signed up and simply needed to log in. When I tried to login it told me my password was incorrect and I could change it. They would email me a link. When I received the email I went to the change password web page and followed the steps and it said my password was changed. I went back and tried to login using the new password. It said it was wrong again and I needed to call the XXXX number again. I called and now the machine just reports I will need to fax or mail the above information and will not let me talk to anyone who speaks english, and just hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: MA

Complaint narrative:
I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue. 

Despite all these efforts, Transunion and XXXX  still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.

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 2020-01-13 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: IL

Complaint narrative:
I have disputed the US DEPT ED along with the original creditor account DEPT ED XXXX  numerous of times ( XX/XX/2019, XX/XX/2019 and XX/XX/2019). Each time the credit bureaus said that they have verified the account as reporting 100 % accurate. I have shown proof from the original creditors that all aspects of the accounts are not reporting 100 % accurate like the FCRA requires. They are reporting the open date incorrectly

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
TD Bank Usa Target has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State XXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I noticed an account that appeared on my credit report earlier this year from XXXX XXXX XXXX XXXX XXXX XXXX it was listed as a collection from XXXX for nearly {$1600.00}. I haven't had an account with XXXX for nearly 6 years and when I closed my account I didn't have a balance this high. I have attempted to dispute this amount with the credit bureaus because I do believe this information is not correct but they have been unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: MA

Complaint narrative:
I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue.

Despite all these efforts, XXXX  and Equifax still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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:
THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
XX/XX/XXXX : Deposited {$560.00} into TCF ATM machine at their XXXX XXXX location ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ). ATM machine asked if I can confirm amount of {$100.00} is correct. I rejected amount and asked teller at bank to investigate why the machine is incorrectly reading amount deposited. Teller opens machine and pulls out three crumpled {$100.00} bill notes that were jammed in  machine. I deposit remaining cash I did not deposit in machine and crumpled {$100.00} bills into checking account with teller and submit claim for remaining {$260.00} missing. 

XX/XX/XXXX : Call TCF customer service as no update for claim was received and was subsequently told claim was rejected. I visit same branch and inquire the same teller from before why claim was rejected. Teller says the machine gets balanced weekly and only {$100.00} in surplus was found so claim of {$260.00} was rejected. I submit another claim asking teller to add a note to investigate through the bank 's cameras both for the time when I deposited funds and when the employee ( s )  who balanced the ATM had withdrawn the machine 's funds. 

XX/XX/XXXX : Call TCF customer service and was told claim was rejected again. Visit TCF branch and same teller who now claims that the machine showed a {$0.00} balance for that week and the previously mentioned {$100.00} surplus was from another customer 's deposit. Bank refuses to show footage and in the claim 's notes, there was no investigation into the employee ( s ) who balanced the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My wife has a credit card with Synchrony Bank credit card. She makes purchases and pays on time. One time in past six months she missed a payment. They reported to credit reporting. After which we did pay off the amount with in the 30 days of reporting late. 
Now, after many months it is still showing 60 day late and 90 days late on payment, even after it is paid off. Not only that, I am not linked to my wife 's credit card. And my credit report is showing bad scores. This delinquent report is showing on my credit history. 
We are requesting you help to remove this late fee record for my credit report. Also requesting to help in updating the paid off and not show delinquent in the future credit reports. Your help is appreciated.

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 2020-01-13 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: NV

Complaint narrative:
I filed a dispute with Transunion onXX/XX/2019 and all other credit reporting agencies and they could not verify this was my account. Transunion is reporting on my credit file under " XXXX XXXX XXXX ''. That account is still there and it is not mine.

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 2020-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My auto loan was paid off XX/XX/2019. 

I overpaid {$690.00} and asked for a refund. The bank wont provide a refund of the overpayment without asking two times. 
My account has been closed so Im not able to gain access and submit a request. 

Ive tried calling multiple times, and hold the line for an hour multiple times before ha hanging up in frustration.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State Safe at Home Program. Refer to Missouri Statues Chapter 589.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State SXXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.

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