vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank closed all my accounts with them on XX/XX/2020 with no warning, I had actually used one of the cards earlier in the day. My sams club card had 11 months of cash back rewards they say are forfeited because the account was closed even though it was closed by them. They actually increased my credit limits among 3 cards in the approximate amount of XXXX the previous week I asked for the limit increase because of XXXX shopping. My care credit card was on a 6 moth interest free program as was several of my XXXX purchases on Amazon store card and pay pal credit. My credit file.has went up in the past week as a matter of fact I had a score increase on 1 reporting agency of 1 point 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 explanation
Consumer complaint received 2020-12-03 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: VA

Complaint narrative:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

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 2020-12-03 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: VA

Complaint narrative:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: United PanAm Financial Corp.
State: DE

Complaint narrative:
Company falsely stated that I paid on time for 2 months on a inactive account. These 2 false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was told if I got a credit card at XXXX XXXX ( Comenity Bank ) and I could save a certain percentage on the bill. I paid the charges within the time frame of a month. I was told I would not be charged any extra fees but was. I feel as though I am being harassed for a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to Equifax numerical times in reference to unknown addresses. I have previously had these addresses removed back in XXXX of 2019 After submitting a request to have them removed again permanently, Equifax informed me they were unable to find my file, needed additional identification so forth and so on., I have hired an attorney and we are in the process of taking this matter to litigation.. He has first informed me to send them Equifax a Affidavit Of Unknown Addresses accompanied with my social security card, copy of my birth certificate and additionally a utility bill that clearly states and has my name and Correct Address attached hereto., It is of and within my legal rights according to the FCRA Subsection 623 ( a ) for Equifax Credit Bureau ., TO PROVIDE ACCURATE INFORMATION., Duty to Correct and Update Information., A furnished that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that Previously furnished information is not complete and or accurate and to Correct that information. I hereby send this Affidavit of Unknown Addresses for the addresses of 1 ) XXXX XXXX XXXX, XXXX Pa XXXX 2 ) XXXX XXXX  XXXX XXXX, XXXX Pa XXXX 3 ) XXXX XXXX XXXX, XXXX Pa XXXX I have exhausted all attempts with the unknown furnishes of addresses., This is my last attempt before filing a lawsuit in the Court Of Common Pleas., located in XXXX, Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I, the consumer, disputed this debt in XXXX of 2020 with XXXX , XXXX. After an investigation, the credit bureau concluded that this account is an error and sent notification to Cavalry Portfolio Services to cease reporting and trying to collect the erroneous account information. Despite notification per the FCRA and removal of the errors by XXXX , XXXX, Cavalry Portfolio Services , LLC has continued to report the erroneous information, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX  ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-03 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an identity theft victim and someone has opened accounts in my name. Im trying to get all of the fraudulent accounts removed from my credit reports. I sent a notarized letter on XX/XX/XXXX by certified mail with USPS return receipt required. Experian did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Experian on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Experian has ignored all XXXX letters. In the letter of XX/XX/XXXX, I demanded that Experian provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Experian has neither removed the debts from the credit report nor have they sent me written proof of the debts they report. It should be noted that I thoroughly proved my identity when I went the letter dated XX/XX/XXXX. Accompanying the XX/XX/XXXX letter, I attached a legigble copy of my driver license containing my current address. I also attached my social security 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 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was scammed by a person that was able to hack my work app. I work for XXXX and they contacted me from the companies phone number. While speaking to me they were able to see my location and everything going on, on my XXXX app. When you speak to people from the company they can see that information. This is where it went wrong. 
I don't know if the guy was able to mirror my phone or what but he said they were updating their system for payments. I had to sign into my bank app from my phone to get some XXXX information. About 30 seconds after I was on my app I was hung up on. I immediately had a bad feeling and checked my acct. XXXX $ was transferred through XXXX to the scammer. His email came up as XXXX and phone number XXXX on the XXXX transfer. 
I contantacted the bank immediately. The second person i spoke to at the bank bank tried to make it sound like I gave him my information when I gave absolutely no info to the scammer. I have called and complained XXXX times to the bank on this issue but they are claiming there is no fraud. I made a police report to XXXX on XXXX XXXX NY. The Police report number is XXXX ( identity theft XXXX ). The number for XXXX XXXX is XXXX. 
I don't want to have to take legal action but that will be the next step if there is no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Company falsely stated that I paid on time for XXXX months on a inactive account. These XXXX false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.

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 2020-12-03 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: FL

Complaint narrative:
I have disputed information on my Trans union credit report six times for XXXX XXXX XXXX. XXXX removed this account with no problem, but Trans union has not after numerous disputes. This account was closed on XX/XX/2016. My credit report is still showing a balance of XXXX. This company sold me a car under fraudulent terms. I wrote a formal complaint about this company with the XXXX XXXX XXXX They have thousands of complaints on that site for misrepresenting loan and contract amounts. XXXX removed this account promptly after dispute, but Trans union has constantly denied my request. TRANS UNION constantly has posted WRONG information on my account. Trans union appears to NOT want to HELP people to improve their credit but HINDER them. Also there is validation to my claim or XXXX would not have removed the account. WAKE UP Trans union you are messing with peoples lives!

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 2020-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
From the Citibank website I initiated a transfer of {$8000.00} from XXXX to Citibank on XX/XX/XXXX. The transaction failed due to an address discrepancy. I have corrected the address with Citibank, and they and XXXX have confirmed the addresses match, but my funds are still frozen in a " pending '' status at Citibank. I have contacted Citibank XXXX times in the past week, and I have been given multiple different stories by various CSRs. 
XX/XX/XXXX ( 1 ) - CSR stated XXXX must cancel the transaction XX/XX/XXXX ( 2 ) - CSR stated funds will be automatically returned on XX/XX/XXXX XXXX ( 1 ) - CSR stated funds can not be returned because they are held by a third party XXXX ( 2 ) - CSR could not assist, but will " raise a complaint '' to a " higher department ''. Refused to connect me to a manager or anyone in the " higher department '' XXXX ( 3 ) - CSR stated funds will be automatically returned on XX/XX/XXXX. CSR could not answer why it was XXXX and funds are still not available. 
XXXX ( 1 ) - CSR disconnected after XXXX minutes due to it was time to clock out XXXX ( 2 ) - CSR transferred me to the Fraud department who stated funds were released XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This will be a third complaint against Chase Bank. 
I wanted to add another complaint to my previous complaints in regards to the closure of my bank account with no notice prior to being lock out onXX/XX/2020. 
I was also at my local bank located at XXXX XXXX State Route XXXX, XXXX XXXX on XXXX denied my remaining balance. When I went into the bank the refused me my funds which I stated in an earlier complaint. The additional complaint is now in regard 's to the follow up call XXXX I had from Chase in which XXXX a chase representative ( XXXX Ex XXXX ) in regard 's to my first XXXX complaint in which she told me my local bank should not have denied me my funds when I went into the Bank to receive them and that she would investigate. 

This still does not give me any access to my funds. When asked when I would have access she would not give me a time frame. I would think in a national pandemic regarding banking during this time it would be unheard of to deny me my funds at the bank. 
I have medical issues going on and I am in the middle of being seen for heath issues. I now can not see doctors because the Bank refused me my funds and I only have a Chased debit and credit card. I don't no all the laws requiring this with Covid19 with Banks. 

See other XXXX complaints for full details. 
Case # XXXX, # XXXX 1. Investigation into best practices within Chase. 
2. Reinstatement of my bank account and any damage done to my credit if done by Chase.

3. Damages for loss of business and suffering.

4. Audit of local bank for refusal of my funds on XXXX 5. Funds immediately available. 
6 .Explanation and apology 7. Copies of my complaints with Chase made available to me- local bank and on phone have refused me these. 
8. Bank statements of my account from the beginning of when I opened my account made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
As per Complaint # XXXX submitted to your agency on XXXX ( and was closed by your agency ). " Mr. Cooper continues to manipulate my monthly payments regardless of any past intervention from your agency. My monthly payment dated XX/XX/2020was again not applied as I wanted. My regular payment and extra principal was applied fully to the principal of my mortgage. I can not afford to have my monthly payments applied in this manner. It is obvious Mr. Cooper does not find your agency to be a credible protection agency for consumers. I respectfully request that you transfer my complaints to a state or federal agency if your investigation ( s ) do not provide any fruitful results. Thankyou!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AES/PHEAA
State: PA

Complaint narrative:
My dates opened arent the same on each credit bureau, my date last active arent the same on each credit bureau & my last reported dates arent the same on each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: LA

Complaint narrative:
my account with reliacard was locked in XXXX so XX/XX/XXXX i sent in a id that i had to get from dmv and a selfie two weeks later i got a letter saying to send id again andand selfie and taxes for XXXX and ssi card so i got everything together and sent on the XXXX of XXXX i even sent XXXX XXXX and XXXX taaxed along withXX/XX/XXXXi called everyday they said it taakes 2 days then they said it takes 5 to 7 days then they said the documents werent clear enough so i send id the ssi card and then XXXX taxes again its now XX/XX/XXXX and my account is still lockedthis is a joke i cant believ this i had two trees fall on house and have young children in my home who cant eat properly because im waiting on someone to look at my id ive sent messeges for someone to call and nothing no one calls back this bank is a joke

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 2020-12-03 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: CA

Complaint narrative:
i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.

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