vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I use Bank of Americas alert system ( email and mobile app notifications ) for when my acct balance drops below {$25.00}. The alert system is advertised as being a way to protect against overdrawing your acct. I have used this system for maybe 2 years. When I recieve an alert ( email ), I correct low balance/ negative balance before debits are cleared so I do not receive an overdraft fee. Yesterday ( XX/XX/2020 ) three transactions hit my acct and dropped my balance below {$0.00}. However, for some reason the alert system did not work and I received no email. The following day, at XXXX, after the transactions have cleared, I am emailed notification that I have been charged 3 overdraft fees because those transactions have posted. When I called and asked why I didnt get an alert, I was told that alerts are not guaranteed. This seems like they are really misrepresenting the quality of their alert system because it failed to alert me to prevent the negative balance from clearing. I would have corrected the issue if I had revived the alert, I had funds available in a connected savings acct, and I have done this many times in the past when I have received such alerts. They refused to reverse 2 of the 3 overdraft fees even though I explained, and they confirmed, I was not emailed the normal alert.

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 2020-01-29 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: OH

Complaint narrative:
I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now ( 2 accounts ) XXXX/XXXX/XXXX XXXX/XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: OH

Complaint narrative:
I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now ( 2 accounts ) XXXX/XXXX/XXXX XXXX/XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Syncrony Bank/Paypal calculates starting balance incorrectly on bills then charges incorrect interest rates then harms credit rating of consumers.

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 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2019, an unauthorized purchase was made using my joint checking SunTrust Checking Debit Card account with on XXXX. An XXXX Laptop was purchased in the amount of {$1600.00}. Subsequently, my rent bounced in my account due to insufficient funds resulting from this purchase. I have appealed to both XXXX and SunTrust concerning this purchase. I am unable to get any details concerning where the item was shipped or who received the item, although XXXX did indicate that an unauthorized party used the card. I have filed a police report in XXXX County ( XXXX XXXX ), and the XXXX account has been closed. 

I spoke with SunTrust Fraud Assistance Center concerning this matter and my claim was denied. I am not in possession of this laptop and need the amount fraudulent taken from my account returned to pay my rent and support my family.

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 2020-01-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2019, I received a charge of {$1000.00} ( statement ending XX/XX/XXXX) on my Uber Visa card that is managed by Barclaycard. This was a merchant charge completed by XXXX XXXX XXXX. In early XXXX, I contacted Uber regarding this charge and requested to dispute it. 
On XX/XX/2019, Uber provisionally credited by account {$1000.00} ( statement ending XXXX ) while the matter was disputed. I managed to resolve the issue with the merchant and on XX/XX/2019, Uber rebilled the {$1000.00} to my card ( statement ending XXXX ). XXXX XXXX XXXX  also credited me {$500.00} as the original charge on XXXX XXXX should have always only been {$500.00}. 
On XX/XX/2019 I received another charge of {$1000.00} to XXXX XXXX XXXX ( statement ending XX/XX/XXXX ). I first contacted the merchant XXXX XXXX XXXX and confirmed that they did not authorize the charge nor did they receive payment from it. I have been in contact with Uber Visa since XXXX regarding this matter and in good faith have been told several times that this charge is verified as erroneous, that it would be " escalated '' to receive credit and to wait 7-10 days. I have done this for several weeks in good faith as I've been told in good faith they would fix this. I have been given a number of case # 's for this issue including CIS XXXX. Each time that I call back, I am told that I am wrong about this and that both charges somehow cover one provisional credit. I then re-explain the entire matter and am again confirmed that the charge is an error and that it will be fixed. Each call after the first 2, I have requested and been denied the ability to speak to a supervisor. I am at a complete loss as what to do next. This is not a fraudulent charge but error on Uber 's part but at this point ( about 6-7 weeks of phone calls and escalations ) they are not doing anything about 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 explanation
Consumer complaint received 2020-01-29 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: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I received 2 phone calls from One Main, a loan company I used about 3 years ago. They informed me that a person with my same name come in for a loan and MY information was used in error. I was told they would fix it. Upon receiving the second call I was basically informed I needed to feel out forms to fix the problem. This is not acceptable. They were to send me emails with forms, this never happened. They stated the information WAS sent but would send it again, never happened. I have worked HARD over the last few years to improve my credit. I need the hard hit removed from my credit report. I have the following information :. One Main - XXXX, In. XXXX. Phone - XXXX. The branch I used a few years back - One Main - XXXX XXXX XXXX XXXX. XXXX,. NC. XXXX. Phone - XXXX. I spoke with XXXX, she run my report. XXXX was " trying '' to fix it. Again, haven't heard another word from them. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished Lexis Nexis, XXXX, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: CA

Complaint narrative:
After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy

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 2020-01-29 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: CA

Complaint narrative:
After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the checking account in XX/XX/2019 and deposited {$5000.00}. Based on the agreement I supported to get XXXX XXXX XXXX miles but have not got anything so far. In addition, i have not get any update from Citibank since XX/XX/2019.

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 2020-01-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/XXXX we received notice of a Sams Club Online purchase on our account and card being shipped to XXXX GA. We live in PA. We called Sams Credit ( Synchrony ) and reported it. The opened an investigation and replaced the card with a new account. In XX/XX/XXXX the card statement came and there was a similar charge to the first one and we called in and they told us that was also fraudulent. We closed the account. Also on XX/XX/XXXX Synchrony sent us a letter that the account was reopened in error and later was closed. When we received a XX/XX/XXXX statement it still showed a balance. We spoke to a couple of useless individuals that said they could not do anything. We finally got one that tried to help. She said someone closed the investigation. She would reopen it. She also said the second charge was moved from the first account and was not another charge. I told her that would have been useful to know, we would not have closed the account. On XX/XX/XXXX we received the XX/XX/XXXX statement with a {$110.00} credit and a different amount due, but new finance charges. We called in. We found out the first complaint was supposedly closed because the chard did not show on a certain date. They reopened it in XX/XX/XXXX with the correct date. They refuse to say how the account was reopened or acknowledge the letter was even send ( we have it dated XX/XX/XXXX ). Now we are told the investigation refund was applied to the old account on XX/XX/XXXX. ( We never received notification or notice of a credit ). So, we have an investigation that has gone on for over 100 days and aren't sure if it is even correctly resolved, and an account that was fraudulently reopened that they will not acknowledge even though they sent and we have a letter.

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 2020-01-29 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, XXXX, Sagestream and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: CORELOGIC INC
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, Corelogic, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2020 I received a voice mail from Chase. The voice mail as transcribed by my assistant was : " Hello, this message is for XXXX. My name is XXXX and I'm calling from Chase in the executive office regarding the concern that you submitted to the cfpb. Wanted to let you know that has been received in our office, and we will begin researching it at the same time. If I do have a complete resolution, I will provide that information to you by phone and then we also respond directly to the cfpb in by letter. If you have additional questions prior to receiving my response, you can return my call at XXXX. The extension number is XXXX, and my normal office hours are Monday through Friday XXXX XXXX Until XXXX XXXX Eastern Standard Time. Thank you and have a great day. '' I had previously informed Chase that I prefer not to communicate via telephone. It looks like Chase has not informed its associates about my communication preferences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I DO NOT KNOW ANYTHING ABOUT IT AND IN NO WAY IS ANY TRANSACTION MADE BY ME IS RELATED TO THIS ACCOUNT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a letter from Synchrony Bank in XXXX informing me that I needed to activate a Mastercard rewards card that would replace my existing credit card associated with a CareCredit account managed by Synchrony Bank. When I activated the card, a new account with Synchrony was opened and the old account I had with them was closed. I contacted Synchrony in early XXXX to resolve the issue, as I had never authorized the company to open a new account or applied for a new card. The representatives that I spoke to shrugged off my issue and I received a typed response from Synchrony informing me that by activating the new card, I had agreed to an upgrade of the my account and the old account was considered, " Account closed due to TRANSFER. '' Synchrony 's actions had a direct impact upon my credit score and I believe they possibly broke the law by opening a new account and closing an old account without my authorization.

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 2020-01-29 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: NY

Complaint narrative:
I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX

Company response to consumer: Closed with explanation