vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
. I have the XXXX account on my credit report. It is reporting more than seven years at XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the week of XX/XX/XXXX I had noticed that my checking account I have with Chase bank had recorded 0 activity on it. Whether deposits ( which in actuality were transfers from my XXXX account and also ACH 's ( such as my mortgage payments, one Credit Card payment and also my Utilities Bill. On Monday the XX/XX/XXXX I stop by the Chase bank on XXXX XXXX in XXXX and was told, " compliance department needs to verify my social security number. Filled an SSA form at the bank and was assured it was sent three times and that compliance department would review and unfreeze my account in 24 hrs. It did not happen. Called Chase Compliance department on XX/XX/XXXX and after 45 minutes on hold, the guy I spoke with said that he would at least allow my two mortgage payments to go thru and that the accounts ( both checking and savings ) would unfreeze and funds would be available on the next day which would be XX/XX/XXXX.

on XX/XX/XXXX, not only were my funds not available, both balances on my checking and savings were wiped out. Both showed {$0.00} Balances. Alarmed I go to the CHase Bank, XXXX XXXX location. Spoke with XXXX who was telling me she called and spoke to XXXX XXXX in the Retail Fraud Department who had promised he will expedite and funds will be available in 1 business day. On XX/XX/XXXX funds were not available. Ws promised by XXXX they would be available on XX/XX/XXXX. On XX/XX/XXXX funds were still not available. Spoke on the phone with XXXX and also XXXX ( regional and/or other bank manager ) who assured me funds would be available by XX/XX/XXXX,  Tuesday. I go to the bank this morning XX/XX/XXXX and funds are still not available. After wasting another two hours, I got the same run around I have gotten every day since XX/XX/XXXX, even from the branch manager XXXX XXXX who put me on the phone with a XXXX XXXX in the " executive office '' who pretty much fed me the same hogwash I have heard from everyone at Chase since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Financial Corporate Offices XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX  Account/Credit Limit Decrease Acc # XXXX Dear Synchrony Financial : I was very disappointed on XX/XX/XXXX when I was spoke with customer service XXXX ID # XXXX that my credit limit on my XXXX XXXX credit card decreased. My account was opened on XX/XX/XXXX and my credit limit was XXXX. My high balance was XXXX dollars and I have been making on-time payments for XXXX years. My credit limit was cut to XXXX dollars the amount of my balance. 
I have been a loyal customer of Synchrony over a number of years and a good amount of money every month to your company. When I spoke with XXXX ID # XXXX over the phone I explained to her that the algorithm being used to review my accounts was not a Fair XXXX FICO score as detailed in the correspondence, rather an external credit score.

I believe the decision to lower my credit score was arbitrary and I have asked XXXX to process an adverse action request. I would like to have my credit line reinstated. 
This occurrence had also happened years ago with my XXXX XXXX account when paying down my balance my credit line was drastically cut. The practice of balance chasing and cutting credit lines is an unfair practice. I am asking your office to review my account history and the reasons of the adverse action. 
I believe I was targeted by your credit analyst who reviewed my account and made the bad decision to cut my credit line. My credit utilization ratio on my account went from 24 percent to 97 percent and may have caused my credit score to be lowered as a result of high utilization. 
My financial and credit situation has not changed as a result of the pandemic, my attorney will be contacting XXXX XXXX XXXX. 
I am asking you for some resolution in reference to my XXXX XXXX account and for my credit line to be restored and all encumbrances removed from my Synchrony accounts as a result of mishandling. 
I can be reached at XXXX or my email at XXXX Sincerely,  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 2020-08-25 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: GA

Complaint narrative:
Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted

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 2020-08-25 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: AR

Complaint narrative:
My personal information was involved in the XXXX data breach and someone used it to open accounts

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: VT

Complaint narrative:
Macy 's is not reporting my payments made on my Macy 's charge account DSNB/ Macy 's # XXXX accurately. Acronym AID is listed. Card ending in XXXX. No payments shown that I made online. 
I never requested a credit increase from XXXX, XXXX dollars to XXXX, XXXX dollars and my last payment on XX/XX/2020 at XXXX Macy 's in store of XXXX is not listed. 

A scam artist or relative that found out I have a Macy 's Account could be commiting Fraud on my Account. My balance should not be XXXX. 

Sincerely, 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 2020-08-25 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: GA

Complaint narrative:
I have credit reporting of XXXX  on my credit report. The account was open on XX/XX/2011. More than seven years for this account on my credit report. I still can not download or access my account.

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 2020-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Seven years ago, I had a single, protracted, but continuous delinquency event with a Bank of America mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX  has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as Bank of America on this error, but have been unsuccessful in getting them to correct it. 

Bank of America claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of 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 2020-08-25 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: NY

Complaint narrative:
Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. Equifax has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NJ

Complaint narrative:
I received a text message from my Father on Monday XX/XX/2020 In reference to a purchase in the amount of {$6.00} that he made on his PayPal MC through Synchrony Bank and the item never received. My Father put in a dispute and the {$6.00} was refunded. On XX/XX/2020 the same merchant put a charge in the amount of {$95.00} on his PayPal MC. My father is XXXX years old and has a XXXX and is unable to speak to use the phone. This is were I came in to help my Father. I called Synchrony Bank on or about XX/XX/2020 to see what process needed to be completed to help my father rectify this issue. I was told by a customer service representative that I needed to have my father type up a letter with his name, address, SS, DOB, Synchrony CC account number my name, address, SS and DOB have my Father sign ( no notary needed I asked ) and fax it  to a specific fax number. This would be a lead time of 7-10 days and to call back to see if they received the letter. I followed their instructions and when I called back they did not receive the letter. I faxed the letter again, waited 10 days called back and was told that was not the proper process. I was told by a supervisor in a not very nice manner that my Father needed to obtain a durable power of attorney and I need to fax the POA to a specific number. Additionally, I was told by the supervisor that if one thing was wrong with the POA it would be denied. To review the POA this would have a lead time of 7-10 days and to call to see if received. My father received notification in the mail from Synchrony Bank on XX/XX/2020 that they received a request from my Father to add a POA to his CC account and that additional documentation was needed. On XX/XX/2020, I spoke with a Synchrony Bank customer Representative that explained to me that not only would I need to complete additional documents that I need to sign and have notarized, that they need to receive a letter from my Father explaining exactly what authority he would want me to have. I tried to explain to the representative that a durable power of attorney states what authority I have. I first reached out to Synchrony Bank on or about XX/XX/2020 and it is now XX/XX/2020 and I have not been able to resolve or help my Father 's problem. Meanwhile, on a daily basis he received numerous phone calls, emails and mail in regards to his account not being paid. Additionally, his credit score has gone from the XXXX to XXXX. I will complete the steps that need to be taken to received the authority needed to resolve this problem. My problem is each time I call I have to send more information due to not receiving the correct information each time I call.

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 2020-08-25 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted

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 2020-08-25 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: AR

Complaint narrative:
My personal information was involved in the Equifax data breach and someone used it to open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
My personal information was involved in the XXXX data breach and someone used it to open accounts

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a method of verification to XXXX  about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to XXXX, and Experian showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both XXXX and Experian how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. XXXX  sent me back a response onXX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they  must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I deposited a check to my Chase account for XXXX from a job i recently completed. Three days later I called to check the status. CSR told me it was on hold and " I could thank the people who do fraud for the wait ''. I called the person who wrote the check they confirmed that the money had been released from the account and i should have it. Along with that they sent me picture of the amount deducted. Contacted the bank again was on hold for an hour just to be told that the check was confirmed as a fraudulent item and my account had been closed. Ive banked with Chase 10 years and have never had an issue no explanation was given and was treated so bad. Not only because of the times we are going through but to be accused of doing fruad is something very serious.

Company response to consumer: Closed with explanation