vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On Friday, XX/XX/XXXX at approximately XXXX XXXX I went to BMO Harris bank on XXXX XXXX XXXX in XXXX, WI to deposit {$240.00} into my checking account via ATM. At that time {$120.00} was recorded but was not placed into my account however {$240.00} was the amount deposited. The denominations were one single  XXXX dollar bill and seven XXXX dollar bills. The ATM logged off and shut down, and at that time I saw an employee exit the building as they were closing for regular business hours. I asked her if she worked at the branch and she replied yes. I quickly explained what had just happened and the employee stated that the only way she could help me was for me to come back the next morning. The next morning I went back to the branch to discuss this with the same employee about the issue I had experienced at the ATM. She called the corporate office and filed a dispute to rectify my {$240.00} deposit. I was told ATM would be balanced and my money would be deposited at a later date. However my rent was due and I needed the money placed in my account immediately. My boyfriend stepped aside to take a phone call, the employee proceeded to offer me a credit card so I could take a 26.4 % cash advance on the credit card in order to pay my rent. I had no intention of opening a credit card, I did not believe this was the only option to obtain my funds however felt forced into opening a credit card with BMO Harris. Due to my age I felt that opening a credit card was not a reasonable option. After I had opened up the credit card, I called the BMO Harris customer service phone number to explain the issue that had occurred and the lady on the phone would not help me as she was stating that I was being " coached '' by someone in the background during my phone call, the lady proceeded to state that she could not help us due to this fact and hung up. To date my funds have not been deposited into my account. On XX/XX/XXXX, I called the bank manager to see how this situation had progressed and was told that it was not even on record but would look into it the following monday, XX/XX/XXXX. I am not in a position to be without this much money and need this rectified as soon as possible.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a best buy credit card thru citibank after my house hit my credit report they lowered my credit limit from XXXX to XXXX when i was carrying a XXXX balance now i am almost over the limit. I was not informed by the creditors this happened and called to find out why all they told me was because of my credit report. Now my score is lowering because i am over the limit on the card. Reps at bank just said the only way to go back is to re apply. Which i do not want to do since they just raised it 2 months ago.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.

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 2019-12-07 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX report wrong info including late payments

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 2019-12-07 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
SYNCHRONY BANK is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.

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 2019-12-07 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:
XXXX XXXX XXXX has a inquiry never auth to pull my credit XXXX XXXX also and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2019. My spouse who is not on the credit card was contacted about my past due American Express account of {$3400.00} balance. He is not on the card and had no idea why he was contacted about a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
capital one bank has a inquiry never auth to pull my credit XXXX XXXX also and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2019-12-07 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: Danco Financial Services, LLC
State: GA

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have a hard inquirie from Ace Cash Exp XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/XXXX and I never authorized any credit check from this company and I have no knowledge of this company. 
I have another hard inquirie from XXXX XXXX XXXX, CA XXXX from XX/XX/XXXX that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: Automotive Services Finance, Inc.
State: GA

Complaint narrative:
This is not my account

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 2019-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had stolen my identity and someone had stolen my caredit card and used it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

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 2019-12-07 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: U.S. BANCORP
State: MI

Complaint narrative:
Company my dispute is with is US Bank. In XX/XX/XXXX I spoke with US bank and let them know that my wife and I had recently had our daughter, and that I was running behind on that payment due to my wife being XXXX and out of work. Anticipating the labor and delivery costs and temporary loss of income I proactively wanted to resolve this as soon as possible. I have never missed any payments on anything in the 12 years my credit has been established, I also never missed a payment on my previous mortgage. I was told that the XX/XX/XXXX payment would be marked late and that I would be in a payment arrangement starting the next month in which, as long as I made the payment arrangement amount, nothing would adversely impact my credit or show late on my credit except for the XX/XX/XXXX payment. I accepted the one late payment, and proceeded to make every payment arrangement payment on time. I called in frequently as records should indicate, and constantly reached out to make sure that everything was good on my mortgageand every time I was told that I was good and to continue making payments. Following the advice that I was given, I still was marked late for many months on my credit report. If I had known my credit would be impacted this much, I never ever would have entered into a payment arrangement and instead made a double payment after my month of hardship to bring me current. Never would I allow my credit report to be marked late that many times if I had any indication. I have spoken to many different customer service representatives, today a conversation lasting around 58 minutes to assist in resolving this issue.l and was hung upon when they couldnt give me an answer. I feel that I have gotten the run around ... Ive called at least 20 times, even with assistance from another mortgage professional ... and still..no one has helped me. Ive been hung up on and treated very poorly. Ive put in a dispute with US Banks default reporting department, sent an email and at least 4 faxes to their credit reporting department, as well as filing disputes with all 3 credit bureaus. The loan has been paid in full 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 2019-12-07 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: BANK OF THE WEST
State: CO

Complaint narrative:
Bank of the West XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " Bank of the West 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 2019-12-07 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX  on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website. 

On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

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 2019-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX 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 2019-12-07 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: SC

Complaint narrative:
I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2019-12-07 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM 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 2019-12-07 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM 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 explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit inquiries deletion. 
Transunion would not delete unauthorized credit inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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