vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiate an external transfer of {$8000.00} from my XXXX checking to my Citi checking on XX/XX/XXXX. The money was deducted from my XXXX checking on XX/XX/XXXX. And I received a phone call from Citi on XX/XX/XXXX saying that the money was rejected by Citi because of some mis-information. Meanwhile, the Citi agent called XXXX verifying my info during our phone call, and it turned out all the info are correct and it was some mistake on Citi. So Citi said they would unblock any future transfer from my XXXX checking but unfortunately they already sent that {$8000.00} back. And the Citi agent mentioned that the money would be shown in my XXXX account in 3 days. Today is XX/XX/XXXX, 5 days after Citi called me, and I still didn't see the money showing in my XXXX account. I called XXXX and said they never received the deposit back from Citi. And then I called Citi, they said they don't know what happened and don't know where is my money. 

This is totally Citi bank 's fault that they are so inefficient and mess up with my money.

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 2020-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per 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 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had an available balance of {$2000.00}. They offered instant transfer. As soon as I did that, it was delayed by 72 hrs. Paypal falsely advertises the instant transfer but does not actually provide it. They always seem to have an excuse to inhibit access to your money. No inhibitions exist on money going into PayPal but always, Always exist on any attempt to take it out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Im a victim of identity theft

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GFS II, LLC
State: AL

Complaint narrative:
Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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 Systems,Inc.
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT SYSTEMS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thanks so much!

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This collection agency keeps calling me asking for someone else. I personally do not have any debt in collections with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS
State: TX

Complaint narrative:
A posted Judgment filed on XXXX in the amount {$1200.00} for apt XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated there was mix up due someone living with my same name. XXXX. Vendor info- LexisNexis XXXX XXXX XXXX XXXX XXXX ... I also called XXXX XXXX where case # XXXX XXXX Texas they said I needed to get with the apt complex. It was filed on XXXX. During all this time supposedly I lived there, I lived at XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -MERCANTILE ADJMNT BUR # XXXX -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Asked for information pertaining to the collection. Never received any info. The only communication made is between CFPB and them. They responded to CFPB and said they acted in accordance with the law. Not sure what that means. Anyhow, all I know is that they said the debt is from XX/XX/2017. I have no medical debt from 2017. They have not sent any paperwork for me to figure out what this is. If needed, I qualify ( qualified ) for financial aide for medical debt under income poverty but I dont know how to apply the aide to the debt since Financial Credit Network collection agency has failed to send me one document of info so as to clear this up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After the death of my mother on XX/XX/2020, I started being contacted by Chase bank for payment of a balance of an overdraft protection account in my name. This was the first that I learned that my mother had stolen my identity to open the account when I was approximately XXXX. When I informed Chase that was a fraudulently opened account they did not transfer me to fraud claims. They told me tough luck, it didnt matter if I didnt open the account or that it was opened through identity theft when I was I minor. They told me that since I had recently turned XXXX, I was responsible for the fraudulent account and needed to make payment arrangements or they would report me to collections. They tried to coerce me repeatedly into assuming fraudulent debt. They even told me that I should just pay it even if it wasnt mine or they would keep calling and reminding me of my mothers recent death.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 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: LEXISNEXIS
State: TX

Complaint narrative:
In 2017, I and XXXX made a conference call to Lexus Nexus to have information corrected on my report. XXXX XXXX XXXX filed a claim on my insurance intentionally and knowingly that I was not the own or had knowledge of the vehicle related to a hit and run. A name was given to XXXX as a relative being me and XXXX insurance agent decide to find my insurance policy and file it with my insurance. A fraud report was report to XXXX Police Department on the agent for file the fraud report and I contacted XXXX XXXX -Manager which, stated the false information was taken off my record and confirmed remove by XXXX XXXX However, XXXX  insurance failed to remove the information from Lexus Nexus which, is causing my rates to be tripled on comparison with other insurance companies. Lexus nexus never removed it from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' I have disputed this account with them several times and they have failed to provide me with the documents used to verify this account that does not belong to me. Please assist in resolving this matter. Thank you!

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have no idea what this collection is regarding. They called me and said they had a PO Box and I told them that I have never owned a PO Box . Then they asked me for my mailing address and I told them if that debt was mine they should have it. I believe that this is not my debt and would like this removed. I asked them to validate it and I have yet to get validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I previously opened a case with Navient on this website in XXXX case number XXXX which mentioned the unfair automatic capitalization of interest after I enrolled in a graduate program. As a resolution they stated they reversed the capitalization that occurred in XXXX, which was great, but it appears that they have undone this resolution in my Navient account after my case was closed with CFPB. This is a dishonest resolution to that case and I am reporting it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. BANCORP
State: OK

Complaint narrative:
Us bank had existence me for 4 moths awesome right? 

Well due to Coronavirus I could not make payments following the pandemic length I was giving a year on my home and now that I am back to work and was trying to pay 2 payments up and split the next for a few months they agree to take the payment but I will be still sitting on a Repo list how can I get my truck repoed then go back to work loose truck then looose home it doesnt make sense to me this is going to be a complete struggle for America as all my savings was spent to live Im self employed I dont know how to do the grants and gov loans not even sure with my credit like it is today I would even be approved Im back to work I cant loose my source of income thats my truck

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 2020-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
I received an Illinois Department of Employment Security ( IDES ) prepaid debit card by KeyBank on XX/XX/2020 and by XXXX XXXX  on XX/XX/XXXX. I did not request these cards. I am not unemployed. I reported the possible Identity theft and fraud to the IDES on XX/XX/XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The previous complaint with CFPB, reference number XXXX, was resolved. Attached is a copy of the letter from TD Bank confirming resolution. However, when I attempted to use the retail card, it prevented me from completing the purchase. Attached is the screenshot of the attempted transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo deleted my online account without notice causing me to delay my payment again due to there long activation process for setting up a online account. This is causing me a inconvenience and having to mail a check delaying the payment I want to make on a specific date and time. This company has done this to me before and a complaint was filed here. Wells fargo has bad business practices and still continue to make things difficult for there customers.

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 2020-11-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer dispute. My credit is really holding me back right about now.

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 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My care care account was closed XX/XX/XXXX for what the company called possible fraudulent use. I called synchrony XX/XX/XXXX because I had a notice saying I had a hold. They said it was because I changed my address, which was true. I verified my address and she told me the hold was lifted and I have no restrictions. I tried to use it today ( XX/XX/XXXX ) and was told it was closed. I called and was told there was suspected fraud and the entier account with a XXXX limit was closed. My account had not had any activity since XX/XX/2020 when I had made a payment of XXXX bringing it to a XXXX balance. No one attempted to use it and the company can not supply me with what the suspected activity was.. they told me " we can not discuss it any further with you '' This has adversely affected my credit score, causing me to lose several points due to the account closure. The company did not try to contact me and simply closed the account. There was no activity since XX/XX/2020. The only activity was when I changed the mailing address, which I did by calling in. I also have 2 other accounts with synchrony and they have not been closed to my knowledge. I changed the address on those as well.. all to the same mailing address.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried with Equifax to resolve this now Im filing a complaint with consumer financial protection bureau, I have a fraudulent inquiry just one on my credit report, I do recognize this inquiry I want it removed every time I call Equifax I have been hung up on and treated rudely, i know the fair credit reporting act and it says i can dispute any and all negative accounts that are not mine and any information I dont recognize including inquiries that show up in my report, this inquiry is from XXXX days XXXX I do not recognize this inquiry Im disputing this as fraud and please remove this inquiry from my report I DO NOT WANT a fraud alert on my report I repeat do not put a fraud alert on my report just simply remove this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
It appeared on my credit report that I have $ XXXX and I tried reporting it but its only temporarily fixed because it keeps going back and forth from $ XXXX to {$0.00} for available credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been ordering from qvc since last year and paid everything off on time. No problems. 

Out of no where they closed my account and said I owed them for a purchase made by someone in 2011. I did not make this purchase. This debt is XXXX years old and for them to try to collect this first without notification of collecting a debt and collecting a debt older than 7 year they are violating my rights to the fair debt collection act as well as fair credit reporting if they try to damage my credit over this. 
I still have purchases just made I owe on recently and I have no acces to my account to Even pay for these now. 
All because they wanted to collect fraudulently a debt from 10 years ago from someone. This is ridiculous.

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 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I wanted to upload a PDF file to Santander, but there is no option for that on Santader.com website that I could find, so in order to deliver the file to Santander I am using this portal.

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