vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to Equifax and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to XXXX XXXX. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from XXXX XXXX. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day and can not verify these accounts, under Section 611 ( 5 ) (  A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I pay all my bill on time and my credit goes down frequently plea se help with matter i don't have pending bill

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing this letter to request an investigation of the following : On XX/XX/2020 I tried to access my accounts online with JPMorgan Chase Bank only to find that all my accounts were closed and my assets were frozen without any prior notification. 
After weeks of correspondence and being bullied by customer service and personnel in the Executive Office, some of my assets were released and a check was provided. As of today, XX/XX/2020 the bank is indefinitely holding {$4400.00} from my closed checking account. 
I have explained and provided documentation to every level of the bank indicating that I am a travel nurse and have been negotiating unemployment compensation from the two states that I have been recently employed in, XX/XX/XXXX and XX/XX/XXXX. Because of the pandemic, there has been an extreme amount of confusion and delays with the unemployment insurance agencies that lead to an overpayment from XX/XX/XXXX UIA being deposited to my Chase checking account. I have been working with Arizona UIA to resolve this since XX/XX/2020 but the system is overburdened and very slow to make amends. 
I believe Chase has surpassed the legal investigation period and no longer has any reason hold my assets. Furthermore, the Chase Staff members have been very rude, intransparent and unaccepting of any explanations. 
Please see the attached a timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNCB appeared on my credit report and I didnt apply for a credit card or airlines credit card in XXXX. I have a XXXX XXXX credit card.

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 2020-08-11 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: SC

Complaint narrative:
I called Trans union customer service at XXXX XXXX on XX/XX/2020. I spoke with CSR XXXX about three reporting inquiries that did not belong to me. I explain to XXXX numerous times of the previous actions taken to confirm the inquiries did not belong to me. He reiterated that I send another letter or do a police report considering I did a previous option. I was very disputed with the customer service I received and that he really didn't want to assist me. I have three inquiries which are from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that should not be there. I would not advise anyone to contact Transunion customer service if they want help because they will not receive any.

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 2020-08-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Both XXXX and Experian have failed to acknowledge that I dispute the results of their " investigation '' into the late payments being falsely reported on both of my reports. I am attaching the supporting letter that I sent to XXXX via their website, along with a copy of my report from their site showing their failure to report that I dispute the account. This is a clear violation of the FCRA and I therefore demand that the items be corrected on both reports in the next seven days. I am keeping careful records of all of my correspondence and will escalate this as I have already experienced months of damage.

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 2020-08-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-11 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: Avant Credit Corporation
State: TX

Complaint narrative:
I have a loan with AVANT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and AVANT with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I applied for a bank of the west platinum credit card based on promotions I received and saw online ( 6 months no interest on purchases ). I  received some other promotion ( 15 months no interest on balance transfers ), but this change was not disclosed to me. I inquired about the promotion and the company took a long time to respond and I incurred hundred of dollars in interest waiting for their response. Nowhere on the account, settings, or statements were the promotions listed or identified. When I called they said they absolutely would not reduce the interest charge under any circumstances.

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 2020-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I recently signed up for the " Free '' Experian credit boost. It showed my current credit score a little over 700 and it asked if I wanted to boost it for free.. I did that and it did go up to XXXX but then it told me that they could boost it more if they take into consideration my utility bills, which are not normally reported to credit agencies. I would have to give them my bank account information to do that and I opted not to do it. I thought my score was higher than that, but I didn't have time to look further into it. 

About a week later, I got an email from them notifyingme that there was a drop in my credit score and I should log in to look at it. I logged in and it said my score was only XXXX! It scared me thinking that maybe I was a victim of identity theft or something. It said if I wanted to see what the issue was and get it boosted, I could subscribe to their service for {$24.00} a month! 

I then remembered that I have free credit monitoring with XXXX XXXX,  so I logged in and my score is actually XXXX. ( I have attached screenshots of both agencies ). This is a HUGE difference.

I feel like Experian Boost does this intentionally to scare people into thinking there is something wrong with their credit so they pay them. This is a very deceptive practice and I hope more people have complained. There should be some law against this! 

Thank you for listening.

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 2020-08-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a loan with SYNCB/PPC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and sync/PPC with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing this complaint because I have contacted Apple Card ( general Mastercard account serviced by Goldman Sachs Bank ) over five times in the past five days and the customer service representative has been unhelpful and has failed to follow up on my concern after saying they would within a 24 hour timeframe. I received an e-mail communication from Goldman Sachs Bank on XX/XX/2020 saying that my Apple credit card was canceled ( email attached ) due to Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. Upon receiving this email, I carefully reviewed all my available credit card statements and the Goldman Sachs Apple card member and rewards agreement again and first called the bank at XXXX on XX/XX/XXXX at XXXX XXXX ( pacific time ) and spoke with a representative named XXXX who attempted to find the reasoning for the account closure. Even the Goldman Sachs representative, XXXX was baffled and could not find the exact reasoning behind the closure of my account. XXXX stated she would make a notation on my account and submit it for further review. XXXX did not have the resources to help me further other than to forward my inquiry internally to another escalation level. I am not satisfied with the reason for the closure of my account because it is ambiguous and does not clearly state the specific reason of an alleged violation. It only states an ambiguous failure to comply with the card member and/or rewards terms, which is not acceptable. Attached to this complaint are all the copies of my credit card statement since this account was opened. As my account history shows, there is no activity or transaction that constitutes a violation, breach, or failure to comply with the card member and rewards agreement terms. It seems that the bank or the system that the bank utilizes has made the decision to close my account based on an unqualified arbitrary reason that is not specific, lacks a qualified reason and is certainly ambiguous. I have relationships with several other banks and unfortunately, I have never encountered such a situation where only a generalized ambiguous reason is given without any specificity nor have I ever not be given the courtesy of a notice via mail or phone call before an account closure action. This type of conduct has a negative reflection of Goldman Sachs Bank in my view and will affect my decision to ever have a relationship with the bank if I can not get a clarification of the closure reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account back in XX/XX/2019. I signed up for a promotion and was advised that after 5 months I would receive {$100.00} if I referred someone. I referred my Uncle who shares the same last name as me. I never received the referral bonus and I filed a complaint and they advised me that the local bank did not code my account correctly in order to get the bonus. The local bank advised that they are still working on 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 2020-08-11 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: CO

Complaint narrative:
on XX/XX/20 I received an alert from Experian stating that someone has looked at my report a hard inquiry from some small business loan place. I do not own my own business i did not apply for a loan. I have tried contacting the number on the hard inquiry and they transferred to a line that hung up on me. I have tried calling experian and have gotten no where I do not want this on my credit report I did not apply for a loan and if someone is using my info its needs to be stopped before they open up any loans in my name or on my social can someone 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 non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC should be able to be linked to XXXX. PNC is a phenomenal bank with great structure, but this is something that shouldn't even be a problem. I switched banks due to relocation, but now I can't connect my XXXX account to my PNC bank ... ... ..bummer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, experian, XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AK

Complaint narrative:
Officially changed my name with my banks and credit cards over 1 year ago. This change is still not reflected on my credit reports, causing me to be unable to secure a car loan. I sent in proof of name change, new social security card, and letter with request of action to all credit reporting agencies and did not hear back.

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