vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM 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 2020-11-11 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:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are 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 2020-11-11 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:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
BSI Financial Services is reporting lates on my credit file. I recently checked my credit and noticed these lates. I had been making my payments a little past due but not 30 days past due because of a custody battle i am currently in the middle of. I have had to pay large amounts in attorney fee 's and was running low on funds. Regardless I had been trying to make my payments asap to avoid these late notations on my credit file. The couple past due payments I was not aware of until I checked my bank account and realized it had not been drafted. I checked my online account and noticed that the payment had not gone through due to a incorrect account number that I was not aware of. I fixed it and sent it through hoping it would go through in time. It takes a while for it to process through the online system so I made the payment on time but it was not processed on time. I had been on time for the past three years and these late notations really dropped my credit scores. I am asking as a long time customer that you remove the late notations as a one time courtesy. I truly did not mean to be late but with COVID and trying to regain custody of my child it has been hard to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are a result of malpractice or an error.

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have never had an affiliation with this company before. I have filed a report with the FTC as a result of identity theft. I request this be removed immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are 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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have applied a Citi premier credit card on XX/XX/XXXX with card ends XXXX. 

The sign on bonus is to spend {$4000.00} and get XXXX thank you points. 

within the next 3month, due to COVID-19, majority bank extends the 3 month requirement to 6month including XXXX, XXXX XXXX, XXXX and XXXX. Citi also followed the rules : Similar to other issuers, Citi is extending the time frame to earn the bonus by three months. 
Eligible Citi cardholders include those whove applied for a new credit card between XX/XX/XXXX and XX/XX/XXXX. These eligibility requirements are the same as XXXX and broader than both XXXX and XXXX XXXX XXXX. 

https : //www.cnbc.com/select/citi-welcome-bonus-extended-citi-prestige-travel-credit/ However, I have meet the spending requirement within 6 month but Citi doesn't honor the sign on bonus. 

I called the customer service on XXXX of XXXX about this case, the customer service said they already acknowledge the issue and fix it, the sign on bonus will honor in the XXXX statement. 

However, when I check the XXXX statement, it didn't show up and I made another call to Citi customer service, now they just emphasize I didn't meet the requirement because I didn't spend {$4000.00} within 3 month.

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 2020-11-11 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: MN

Complaint narrative:
On XX/XX/2020, I wanted to remove a credit report freeze temporarily at Experian. Because I did not have my pin number, I attempted to get this number using Experian 's website and was unsuccessful. I then called Experian and was unable to get a human being who could explain why I was unsuccessful in getting my pin number or assist me in retrieving it. 

Apparently, Experian only has human customer service representatives for businesses and a consumer is forced to endure endless automated menus which work only if you are reporting fraud, credit alert or requesting a copy of a credit report. At the end of the automated menu, Experian disconnects the caller.

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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They will not answer what services I paid for or what the debit is for in detail.

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

Complaint narrative:
I lost my wallet in XXXX XXXX XXXX while shopping at XXXX XXXX XXXX and my personal identity items within my wallet has bee used fraudulently every since.It was in XXXX that I first became aware of the misuse of my identity and that accounts were being opened in my name with XXXX and XXXX XXXX.I filed disputes over the years with several credit bureaus over the years when the thieves resurface and begin to use my personal information time and time again.Recently, there has been Unauthorized inquiries with companies such as XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 2020-11-11 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM 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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Reaching out to me and my family saying I owe medical debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter to Equifax well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
3 charges were made on my card that were not mine- totaling {$420.00} I called Bank of America and was told to contact XXXX, who told me to deal with bank Have now spent over 11 hours on hold with claims department- and then being cut- off a few times Was then told to send and email, which i did- no response SOS- i need the 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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi there! 

I would like to file a dispute with the Equifax. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my Equifax credit report. Equifax responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, XXXX ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like XXXX. This leads me back to Equifax. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the Equifax informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( XXXX is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.

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

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Will not show where I signed that I owed.I have no known of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I, XXXX XXXX, represent several Hotels ( under separate LLCs ) and have used Heartland Payment systems as our Merchant Processor for years for most of our properties. Due to Pandemic, one of our Hotels XXXX XXXX XXXX XXXX in XXXX Nebraska had to close. As a result, there were several chargebacks that Heartland had to process. Our financial institution placed a Hold on our accounts resulting in credits due to Heartland Payment Systems. Heartland has since frozen all of our Deposits ( in excess of {$35000.00} ) for all of other Hotels and is demanding payments in excess of what is currently owed to them. All of the Other hotels are under separate LLCs and have different investor bases. While, we are not denying the monies owed by XXXX XXXX to Heartland- they should have no right to withhold our funds without our permission well in excess of {$35000.00}. Being a Publicly traded company, We don't know how this is deemed as being legal. I am requesting you to contact me at XXXX to resolve this matter, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXXPayPal Credit/Synchrony Bank has failed to credit a refund of a returned consumer item that I purchased and have documented proof. 
I purchased an air purifier from the XXXX company ( order # XXXX ) using PayPal Credit ( Synchrony Bank Funded ) on or about XX/XX/2020 for {$590.00}. The item did not work when delivered. A provisional credit was provided on XX/XX/2020 that brought my account to a {$0.00} balance. On XX/XX/2020 the {$590.00} charge was reapplied to my account. I still had the item and was waiting for instruction on how to return. I again contacted PayPal Credit and informed them of the situation. On XX/XX/XXXX another provisional credit of {$590.00} was applied to my account, again bringing my balance to {$0.00}. 

In time I managed to get a prepaid XXXX  label from XXXX and returned the item. 
The XXXX label tracking number XXXX was used and the item returned. XXXX received the package on XX/XX/2020 at XXXX XXXX  in XXXX, Il. 

Sometime in mid/late XXXX I contacted PayPal Credit again to find out what was going on with my refund and I was told that the dispute had NOT been found in my favor, even though the item was returned, and my balance was {$590.00}. This i immediately disputed, again. 

On XX/XX/2020 I checked my PayPal credit account hoping to find my balance had been brought to {$0.00} only to find that not only had the {$590.00} still there but I had additionally been charged another {$590.00}. My total balance in the account is now {$1100.00}. 
On XX/XX/2020 at approximately XXXX XXXX  EST I spoke to a representative at XXXX who did in fact tell me that they had received the item and that I would be receiving a refund. On XX/XX/2020 I received an email from XXXX XXXX from XXXX customer service that stated Good Morning, this is regarding crediting your PayPal account, unfortunately at this time we are unable. This is due to the dispute you that is still open with PayPal. If you close the dispute then we can credit your account, the dispute # is : XXXX. We look forward to assisting you! 
I do not have the purchased merchandise. It has been returned and this can easily be verified. I have not made any other purchases. These charges are erroneous and I need to be made whole.

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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX amt XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX unauthorized transaction never got .my credit it was XXXX dollars of 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