vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both XXXX and the experian credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
When I had to do some electrical work at my house, the electrician I worked with offered a no interest loan/credit card for 18 months. I use both descriptors because I'm not sure what it was and it's reporting all different information on my credit report. 

Originally I was told it was a line of credit for $ 12000+. The purchase was only $ 9,000+. The payment due each month was originally {$270.00}. This has been very confusing for the following reasons : 1 ) I  originally thought this was a home improvement line of credit, however, I never received a card from Synchrony. When I requested a card, about 9 months after opening the account, I discovered I could not use the credit card anywhere because it was actually a store credit card. This was never disclosed nor would I have known until I received the card. 

2 ) My payment due has changed from {$270.00} to {$230.00} without any explanation. 

3 ) I have late payments showing on my account. There was a time I had lost my job and stopped making payments HOWEVER at this point I had made {$6000.00} in payments whereas just using making the normal payment I would have owed {$2700.00} so I have far out paid what I agreed to this point. 

4 ) Even though I have over paid, I still had to pay late payment fees on the card amounting to over {$100.00}.

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 2019-04-16 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank is refusing to resolve a claim. 

1. Suntrust Bank accepted the dispute on XX/XX/XXXX. Document attached. 
2. They asked for more information and documents on XX/XX/XXXX. Document attached. 
3. I have submitted all the information and documents they have asked. 
4. They closed the claim on XX/XX/XXXX. Document attached. 

The reason Sunturst is giving while closing the case is very poor and irrelevant. They accepted the claim even after 60 days from the billing date and under review process instead of helping customer they are closing the case. It shows how poor is their customer service. 

I even talk to their supervisor/manager regarding the claim. They too are not interested in resolving instead they said i can close the account when i mentioned how other banks are always ready to help the customer. They are not willing to make any exception. I have given thousands of dollars of business every month. 

The dispute contains very high amount somebody like me. I would really appreciate if they can resolve this issue.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both transunion and the XXXX credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the following account such as XXXX and XXXX account, closed account with XXXX balances are reporting under my name, these are inaccurately reporting under mine, i have never had any XXXX   or XXXX account, equifax is not cooperating and is very much stubborn to have these two inaccurate and fraud account removed from their credit reports. please you are my last hope to have these inaccuracies fixed and removed from my equifax reporting. 
i will be attaching the documents such as the FTC reports and the police reports, same paper which i provided the equifax as well, they are not even disputing and very much on my nerves .appreciate your help in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: OH

Complaint narrative:
I got my free annual credit report and noticed some accounts that were not mine. I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report immediately i will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: HI

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a ticket for the event, XXXX XXXX XXXX XXXX, for {$300.00} under the organization XXXX using my Bank of America debit card. Later that year on XX/XX/XXXX I closed my Bank of America account. However, the event ( scheduled for XX/XX/XXXX ) that I bought tickets for changed their location and dates late notice and thus began issuing refunds. On XX/XX/XXXX I ordered a refund for my ticket. However after 1.5 weeks of waiting, I realized the refund I had asked for was sent to my closed Bank of America account. 
I filed a dispute with Bank of America mid-XX/XX/XXXX to determine if I could get my refund of {$300.00} that was sent to my closed account however it was denied because they state that after 3 months of closing the account the account is completely dissolved and any refunds being sent to the closed account after more than 3 months would automatically bounce back to the merchant. 
In an email sent to me on XX/XX/XXXX XXXX claims to have sent my refund successfully to Bank of America and claims my refund was not sent back despite it being sent to a closed bank account. In order to help me more, XXXX insists I supply them with documentation from Bank of America that the refund bounced back, however Bank of America states they have no documentation that they can show of the bouncing back of the refund because my account was closed for more than 3 months. 
After dealing with both Bank of America and XXXX, neither show they can locate where my refund is exactly and I have yet to receive it.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX is reporting an inaccurate listing of Chapter XXXX Bankruptcy my consumer 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ONE XXXX XXXX XXXX ACCOUNT INACCURATELY AND FRAUDULENTLY IS REPORTING UNDER MY NAME AND WITH IN THE EQUIFAX CREDIT REPORTING AGENCY. 
I HAVE TRIED TO DISPUTE AND REMOVE THIS INACCURACY BUT EQUIFAX HAS BEEN VERY MUCH STUBBORN AND IMPOLITE IN THIS MATTER AND HAS TAKEN ME MORE THAN A YEAR TO DEAL WITH SUCH STRESSFUL MATTER, I HAVE FOUND OUT FROM ONE MY FRIENDS THAT YOU WOULD BE ABLE TO HELP ME I DO NOT HAVE THE MONEY TO TAKE A LAWYER AND SUE THEM, HONESTLY I HAVE A XXXX XXXX  XXXX THAT I AM NOT EVE ABLE TO BE STRESSED OR ELSE IT CAN GET WORST. PLEASE HELP ME, YOU R ARE MY LAST HOPE. 
THANK YOU, I WILL BE ATTACHING THE FTC REPORT AND THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: HI

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank/XXXX closed my account for my credit card for no reason, reasons I believe are predatory and unfair for all consumers. I have had this credit card for only 5 months. I paid it on time each month IN FULL. I have never held a balance. I went to XXXX XXXX and come to find out my card was closed for no reason. I had recently bought a car because I was in a severe accident. I can not believe my account was closed without warrant. What makes the matter worse is there was no communication, either by phone ; email or USPS advising me of my cards status. 

I am beyond disappointed that someone can make payments on time and use the card responsibly and a company can be so predatory in its lending practices that they close the account because my score dropped a few points. I understand they can probably close an account at any time, however, why do so if the open account does not harm your bottom line and there is no negative information on the established account to otherwise warrant a closing of an account? It makes you wonder what kickback is Synchrony Bank getting out of the initial account opening, that they would close an account only 3-4 months later? An account that has established positive everything? WITHOUT even considering the positive account history and on time payments. Not only does this affect ones utilization ratio, which influences my score, Synchrony Bank has now closed a newly established account causing even more of a negative impact to my credit rating. In addition, after they closed the account after 3 months, they are still reporting information to all credit bureaus on my behalf and have a derogatory remark, Closed by grantor I want my account restored and credit repaired. Any corporation, who misuses consumers trust to maintain its business, shouldnt be allowed to operate and continue to practice predatory lending. They too should be held to the same fair lending practices as any other bank.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC
State: NY

Complaint narrative:
On XX/XX/2014, I entrusted this company called Clear One Advantage/XXXX   XXXX XXXX to help me consolidate payments to five creditors. I should have known something was wrong when I received paperwork with another company 's name on it. The rep insured me that their team was working with them to be able to make lower payments. I was instructed by the rep to NEVER answer the creditors phone calls to explain anything because the person calling probably would not know Clear One Advantage was working behind the scenes with the company.

My credit score was a nice XXXX and NONE of my payments were late. In fact, I had a perfect payment history with all of them. I fell on hard times and wanted to be proactive about making sure my credit score stayed intact. Clear One was receiving payments from me. 

Several months went by with me being reassured things were being taken care of ... and then I found out NOTHING was happening because this fraudulent company was WAITING for my debts to go into delinquency so they could come save the day. All the payments I sent them were just sitting, nothing going to the creditors. By the time I realized what was happening to me, it was already too late. My debts were going into charge-off status and there was nothing I could do. 

My great credit plummeted 200+ points. I suffered XXXX  and hopelessness. What did I do wrong? I had researched this company, saw good reviews, researched more - I did everything I knew to do. 
Finally, I confronted this company some months later and I was told conveniently the rep assigned to me abruptly resigned. No one helped me. They left me to rot and be among those who are subprime targets. All the years of perfect credit down the tubes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX  account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME '' account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
State Farm Bank is enticing their clients by promises of Visa gift cards,  which might as well be considered cash due to them being accepted everywhere. This is rebating and is highly illegal. They are essentially " bribing '' their customers to finance with them over another lender even though the other lender has a better rate or program available.

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 2019-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
Prior to using Square merchant services I was with XXXX XXXX for my merchant processing. 

In the 6 years I was with XXXX, I won over 90 % of chargebacks filed against my company. XXXX provided me with the full card number of the cardholder for each dispute, the name and phone number of the bank handling the dispute, and the means to send me rebuttals to the banks. Now that I am with Square, they refuse to provide me with any of these details, despite Square using XXXX as their own processor. 

Since signing up with Square I have lost 100 % of my chargeback disputes, which leads me to believe that Square is not sending the rebuttals and evidence I upload via their online dispute resolution process to the cardholder 's bank. When I called in to square to ask for the bank details for 2 banks handling 2 different disputes on my account, they refused. These disputes amount to over {$2400.00}.

On one dispute I have included signed proof of delivery to the customer dated after her complaint of " product not as described '', which is an impossible complaint to make before receiving merchandise. I also sent an email from this customer who stated she canceled her dispute with her bank and I would be getting my funds returned. Weeks have gone by and the funds have not been returned to my account despite uploading this documentation to Square refuting the customer 's claim. 

A second dispute the customer claimed non-delivery of Goods.  I provided a signed proof of delivery to the billing address of this customer. I also called the customer who confirmed he had contacted his bank, confirmed receipt of goods and that the dispute had been canceled. Despite providing this documentation to Square, my funds have not been returned.

How I can go from over a 90 % win ratio to a 100 % loss ratio from switching processors is a mystery. The only logical conclusion ( because the way I fight chargebacks is the same now as it was then ) is that Square is mishandling my documentation and not providing it to the cardholder 's bank, allowing the bank to defraud me for thousands of dollars. 

Requests for a supervisor by Square were denied. Requests for the cardholder bank contact details were declined. Proof that the documents I submitted to square were delivered to the cardholder 's bank were declined. A request for a callback from a manager/supervisor or the legal team were declined. Square is violating my financial rights and assisting with fraud against my account. They are refusing to provide information that XXXX gives them access to, stating company policy as their reasons.

Company response to consumer: Closed with monetary relief