vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. Sync XX/XX/XXXX, Sync XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, sync XX/XX/XXXX, sync XXXX XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX sync bank had agreed to remove the inquiries. I will show a picture of my XXXX  report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
I filed a Consumer Finance complaint previously with XXXX XXXX  regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my XXXX  report the account is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi I have multiple Complain in my credit report for Incorrect information 1- my Credit age isn't correct it shows only 4 years with XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXit's over 6 year since XX/XX/XXXXwith XXXX XXXX XXXX 

2-Synchrony bank- Ashley card i Paid the total amount {$1900.00} and I bring the balance to {$0.00} they didn't report it over 1 month and they lowered my limits for {$5000.00} to {$1900.00} and damge my credit report 3-XX/XX/XXXXXXXX it shows that I have a late payment, Which is not correct I made the payment on time and I changed my bank account and I updated in the system, and they Try to take money from the old bank account that I already close and they didn't inform me with anything about the payment until I seen it on my report! And my payment history went down from % 100 to % 99 4-XX/XX/XXXX I didn't Authorise them to run my credit and they did it without me knowing over the phone 5XXXX XXXX XXXX I paid {$2000.00} and I lowered the amount from {$5400.00} to {$3400.00} and I didn't see that have been reported It. 

6-XX/XX/XXXX auto finance, they charged me high interest rate on my car that I Finance with them and I called them to lower my interest rates because of covd19 I get effected Financially they refuse to Cooperate with me and I never missed any payment.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My unemployment card was mailed to me on XX/XX/XXXX via XXXX. I was told on XX/XX/XXXX that it would take 3 to 5 business days for card to arrive and was told no tracking number can be provided. On XX/XX/XXXX at approximately XXXX, I heard my door bell ring. I'm XXXX years old and don't move as far as I used to, I hear foot steps walking away. At first i didn't think anything of it because I wasnt expecting and packages, this was the second day. So around the 4th day XX/XX/XXXX I called Bank of america and asked about the status of my card and they said it was activated and all the money was gone. I filed an initial claim which I was told was automatically denied. So I filed a second one on XX/XX/XXXX. I asked for provisional credit but was told I wouldn't get it. I really need the money for bills and medicine. Please help.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter requesting investigation for inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.

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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
I was using cash app and someone hacked my account and took XXXX on XX/XX/2020 and also XXXX XX/XX/2020 I emailed cash XX/XX/XXXX and they told me i couldnt do anything unless request a refund, which wouldnt make sense because someone hacked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} I've contacted the company in XX/XX/XXXX to update the late derogatory marks. Please update the 30-day late reporting due to financial hardship and payments being deferred during those times. Payments were deferred and not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian just closed my complaint stating a Duplicate complaint which is not the complaint number XXXX that complaint was about the XXXX XXXX  letter stating I do not owe any Debt money nor is the XXXX XXXX  reporting a debt. My recent complaint is stating why is Experian reporting a Debt Collector XXXX XXXX XXXX XXXX as an installment loan on my credit report for {$270.00}. Under the Fair Credit Acts a Debt Collector is not a Banker. Experian has let XXXX XXXX XXXX XXXX open an installment loan illegally in the name of XXXX XXXX  on my credit report then reduced my credit score by 50 points with out any legal documents that state I had installment loan with XXXX XXXX  that is deceptive practices. I have also notified the proper authorities to have Experian prosecuted for fraud and invasion of privacy. I have sent Experian Credit Report showing XXXX XXXX XXXX XXXX as an installment loan. Experian why do you not send this complaint to your furnisher?

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I called fidelity creditor service XX/XX/2020 at XXXX call lasted 11minutes in attempt to start making payments. i was able to accomplish making a payment of {$50.00} on XX/XX/2020 at XXXX. i asked for some form of proof of payment the representative named XXXX told me " no '' they don't do that and that they wont give me anything until my debt is at a {$0.00} balance. she never had me sign an agreement for payments my payments are $ XXXX/month on every XXXX of the month. On XX/XX/2020 at XXXX lasting a total of 3minutes i called again spoke with a woman to make a payment of {$220.00} again no proof of payment not a receipt, email, or a contract because they refuse to give me proof. also if im making payments they should not be increasing my debt amount last reported increase was in XXXX of {$16.00} ( XXXX XXXX didnt give specific dates )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX XXXX XXXX  had agreed to remove the inquiries. I will show a picture of my transunion report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi I am trying to get payoff information on my equity credit line attached to my house acct ending in XXXX that was charged off in XXXX but its still attached to my house. I went through bankruptcy but didnt include my house. There lies the problem. Due to BOA charging off equity line then my filing bankruptcy, even though house not included in bankruptcy NO DEPT would take responsibility for issuing payoff letter so around in circles I was transferred/put on hold/disconnected etc. I am selling my house and signed contract XX/XX/XXXX and was supposed to close XX/XX/XXXX and signed extension to XX/XX/XXXX and now extension through XX/XX/XXXX with same approved buyer. I have so far missed two closing dates for lack of payoff information from Bank of America I have been communicating with Bank of America since XX/XX/XXXX when XXXX XXXX was getting no response to payoff request. I have been calling/transferred to following depts : Bankruptcy XXXX option XXXX then option XXXX again ALSO XXXX XXXX XXXX XXXX  XXXX ALSO Non-converted loans dept XXXX. After little or no help getting payoff and daily run around I sent an email to corporate customer service. XXXX XXXX and received a call from XXXX XXXX XXXX Ext XXXX who is trying to assist me but no payoff info yet. I contacted my attorney who helped me with my bankruptcy ( which I did not include my home in the bankruptcy but we never received communication from BOA concerning the second mortgage during the bankruptcy process so my attorney stated that I would just need to contact him if I have issues, which I did and he recommended I make a complaint with the XXXX and your FL Dept ) I have filed a XXXX  complaint and now filing with you. My nerves are shot Im XXXX XXXX XXXX XXXX have XXXX etc.etc. trying to get this handled I have spent time on the phone since XX/XX/XXXX every day from three hours at a time getting disconnected then trying again and again sometimes up to nine hours a day Im promised this that and the other but never get the payoff letter sent to my title company the amount wont change {$27000.00}, theres no fees to add to it, its the amount they charged off but still they cant send over a simple payoff letter with that amount on it, they can tell me the amount but they cant send a letter. I am at my wits end please help me before I lose the third closing with my approved buyer on 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 non-monetary relief
Consumer complaint received 2020-11-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - XXXX XXXX XXXX status closed charge-off {$3100.00} In XXXX 1XXXX XXXX XXXX on D .status closed charge-off {$1400.00} 2-JPMCB card services status closed charge-off {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: DISCOVER BANK
State: FL

Complaint narrative:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - XXXX  XXXX XXXX status closed charge-off {$3100.00} In XXXX  1- XXXX XXXX on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX  status closed charge-off {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX 1- XXXX XXXX  on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX status closed charge-off {$3100.00}

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 explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have been trying to get a copy of the statement or bill since XXXX of XXXX. I was working on my credit report and noticed in XX/XX/XXXX there was a bill for Wakefield & Associates. I disputed it right away. It kept coming back so I called in XXXX of XXXX. They told me they were a collections company for a medical bill from XXXX XXXX 's for my daughter back in XXXX and they believed I had reached the insurance statute of limitations. My daughter insured during that time through government-provided insurance and I advised that I needed a copy of the bill because I was homeless at the time. Wakefield said they could not send me a copy f anything verifying the debt and I would have to reach out to XXXX XXXX 's. I reached out to XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX and they are denying me a copy of the bill because they sent it to the debt collection in XXXX. I can get this filed through my daughter 's insurance and pay the remaining balance, but I can not if no one will give me a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX recently reported a collection account at the TransUnion consumer reporting agency - on behalf of XXXX - in the amount of {$1600.00}. They were notified that said account was fraudulent on XX/XX/2020. Thereafter, a dispute claiming fraud was filed with the consumer reporting agency. 

XXXX XXXX XXXX  and TransUnion have ignored my claims of fraud notwithstanding several complaints, disputes, and the issuance of a fraud victim statement.

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was reached out by an account manager to invest in XXXX XXXX XXXX. I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!

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 2020-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian replied in my CFPB Complaint XXXX, that the request to dispute inaccuracies on MY credit report they BELIEVE was not sent by me. Well who else would have sent it? Where is the proof that I didn't send correct information to correct my credit report? Who else benefits from me correcting bad information on MY CREDIT REPORT? 

Please provide proof that it was not me or delete the information immediately. This seems like an easy way to not comply with the law by simply stating you believe I didn't send information after providing property documentation.

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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a company debit my account for a rental after the rental was returned to them for another week even though the rental is back in their possession Ive gotten everything to the bank to show them that I no longer have that vehicle in my possession. They gave me my money back twice and took it 3 times for the same dispute I cant talk to anyone about it just leave messages. And no one calls just sends letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my XXXX  has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the XXXX/XXXX  caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.

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