vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: PNC Bank N.A.
State: PA

Complaint narrative:
pnc closed my account out of no where and is miss reporting on my credit report saying im late i have never been late on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Fraudulent collection on credit report resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I leased a XXXX in 2020. It was in the shop more than 4+ times for the same problem, so the vehicle went back under the AZ Lemon Law. Chrysler Capital paid me for the return of the vehicle. Chrysler sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. XXXX is still showing the account as open with a $ 10+K balance. Chrysler gave me a letter to give to XXXX to have the credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I opened a XXXX Credit Card with Synchrony Bank on XX/XX/XXXX with an {$800.00} limit. I made several purchases and always made my payments on time each month. I just paid off the balance a week ago with a payment for {$740.00} to pay off the balance which was processed with no issue. I confirmed all of this with chat representative XXXX XXXX on XX/XX/XXXX at or around XXXX PM ET. I am delinquent on none of my other accounts. In fact just finished paying off almost all of my credit cards. I have a stable job making over the average median income that was unaffected by the pandemic. I was literally approved for credit increases on some of my other longstanding cards and a new XXXX through the XXXX XXXX XXXX for {$1500.00} limit just last week. I am the antithesis of a risk. 

This evening, I received an e-mail with an electronic PDF form letter saying that due to a periodic review of my credit worthiness, that they would be closing my card. They have failed to show any actual evidence as to what financial risk they faced by maintaining an account with them. They have unilaterally made a decision based off no actual risk behaviors from me. There is no new delinquencies of any kind reported on my account, no accounts at any other institution not current, most without balance. They have decided based off nothing that they are going to take action against me that seriously harms my credit score and financial health. 

Read their XXXX page, and I am sure you have many other similar complaints, that this pattern of abusive, malicious behavior is a mainstay with them. In order for a company to be able to affect your credit score in such a manner there needs to be some form of delinquency. Otherwise you are allowing the tail to wag the dog, they get to tell you that you are not worthy of credit and then ensure it by enacting in a manner that affects your credit score. Now this will affect my ability to obtain credit with another issuer and for what? Nothing. They can argue all they want about their right to do these reviews and make assumptions, but until they can provide documentable proof that I am or am about to default or miss a payment, etc., they have no legal authority to impact me negatively. Which they have.

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 2022-03-22 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: IL

Complaint narrative:
I have been disputing this XXXX account because it is not me the address they have does not match mines. I also disputed comenity bank/victoria secret and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.

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 2022-03-22 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover is the worst bank that XXXX have It's hard on transactions and deposits When my money come on to the account I am done with discover I'm taking it all out And I'm going to another bank that have more common sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
It has come to my attention that GM Financial has denied myself and my husband credit. I, the NATURAL PERSON, creditor, and Applicant, am aware of the letter that was suppose to be sent to us which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) within 30 days after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. We have never received any letters from GM Financial with an actual adverse action, we have only been told through the telephone and the dealership of their denial. Pursuant to 15 USC 1691 ( a ) ( 3 ) It shall be unlawful for any creditor to discriminate against any aspect of a credit transaction, because the applicant has in good faith exercised any right under this chapter. As the Original creditor, we initiated a consumer credit transaction, using my credit card ( SSN ) pursuant to 15 USC 1602 ( L ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit making GM Financial an assignee pursuant to 15 USC 1691 ( e ). However, we DID NOT receive any benefit from that transaction, but it had a negative impact on our consumer report, proving the transaction did in fact go through. Lastly, Congress states " No Credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 

I have given several attempts to resolve this issue with GM Financial and they stated that the file had been sent back to the dealership for them to resubmit, however, nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern. The CBE Group , Inc sent a debt collection for a company that I have already disputed as fraud. It was with one company and then sold to another company. It keeps being sold when it has already been determined to be fraud. This account does not belong to me and I want this disputed and removed from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
The CBE group, XXXX, and XXXX, ( outside collection, claims I owe {$1100.00} for cellular, I do not owe any bill, I will sue for damages if this continues, I will not tolerate harassment by phone or mail, Im warning for this to stop with a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has sent me a fraudulent check that I can not cash or mobile deposit. Citibank sent me a check in the amount of {$1200.00} from closed checking account # XXXX. I was on the phone today for countless hours with more of Citibank 's nonsense and poor customer service. Each rep tells me something different and places me on hold for countless hours, and even hang up. This account has been closed since early XXXX and why am I not able to take this check elsewhere and cash it This is my money that they are still withholding now from me only using a fraudulent check. 

One rep told me I wont be able to use mobile deposit for 90 days. One transferred me to a useless check verification system that kept hanging up. Everyone else has no clue and write their own story.

Again, this is fraud to give someone a check where they can't get their money. Citibank this ends now, all the games and ridiculousness.

I am getting in on the next class action lawsuit about holding/blocking people 's money, damages, and all these wild goose chases.

I was told I need to mail the check back in order to deposit it into my account ; why didn't they just refund the amount in my other account. There are no Citibanks for thousands of miles.

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 2022-03-22 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, Medical Revenue Services added a collection to my XXXX credit report a derogatory mark per my XXXX. Upon further research, this account was transferred/sold and I am longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contact, or signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medical revenue services have violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2022-03-22 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: AZ

Complaint narrative:
I leased a XXXX in 2020. It was in the shop more than XXXX times for the same problem, so the vehicle went back under the AZ XXXX XXXX. XXXX XXXX paid me for the return of the vehicle. XXXX sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. Experian is still showing the account as open with a $ XXXX balance. XXXX gave me a letter to give to Experian to have the credit report corrected.

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 2022-03-22 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: FIRST NATIONAL BANK OF OMAHA
State: ND

Complaint narrative:
The XXXX 's XXXX card has a promotional offer of 0 % interest on purchases at XXXX 's over {$500.00}. On the statement they have a section called the " Charge Summary '' that separates the transactions into the two interest rate categories. I have tried to contact them several times asking why I am still being charged interest after paying the amount listed in the " Balance subject to Interest '' column. They stated the balance is an average of the balance subject to interest. When I asked how am I supposed to know how much to pay to avoid interest charges, the man on the phone suggested I call and ask every month before making my payment because that amount is an average of the daily balances subject to interest. I called again a month later because again I was charged an interest charge after making a payment I thought was sufficient. This person stated I must take the " Balance subject to interest '' amount from the Charge Summary and add the minimum payment to find out the payment to make in order to avoid interest. This is a very very deceitful way to make money from customers. I should not have to do multiple calculations in order to determine my monthly statement balance and proper payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IL

Complaint narrative:
I have been disputing this XXXX  account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX  and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.

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 2022-03-22 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: IL

Complaint narrative:
I have been disputing this acima account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called the XXXX # for Capital One and I spoke with a Representative about opening a Business Checking Account. I was transferred to the local branch in XXXX, Texas and the representative went on to tell me that they were short staff. She told me what was required to apply for the nonprofit business checking account. This conversation lasted roughly 30 minutes. I explained to her that the website she provided to me did not have any appointments available as far out as XX/XX/2025. I even told her that they have appointments in XXXX, XXXX, and XXXX, Texas. She told me to check back daily. I told her that I wanted to close my personal checking account with them. She sarcastically told me that they have the cash on hand whenever I come in and close the account. 

My frustration level was to the roof at this point, I asked her to let me speak to the Branch Manager. Of course she was unavailable. I spoke with someone else and they took my complaint. The Branch Manager, XXXX called me and she reiterated what her staff told me about being short staff. I explained to her that 30 minutes was waisted on me today. She went on to tell me that I would have to check daily. She did not care if I closed my personal account. I will be doing it over the next few weeks. 

I believe that I was treated this way because I was XXXX XXXX. What else could explain why the person did not want to open my nonprofit account. I have my tax exempt status from IRS, my Corporation paperwork from the state, letter indicating from my nonprofit that i am authorized to open the account, my EIN letter. The Customer Rep was just randomly calling out information that she figured I would not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX checks were issued by Bank of America seem to be stolen with my name deposited into my account signatures are forged

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 2022-03-22 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:
XXXX  XXXX account reporting in error. Balance and account status incorrect

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 2022-03-22 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:
XXXX  XXXX account reporting in error. Balance and account status incorrect

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 2022-03-22 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: GA

Complaint narrative:
XXXX XXXX account reporting in error. Balance and account status incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have made several attempts to contact SunTrust now known as trust. They refuse to acknowledge any payment and insist that my payments are late. Every time I call they either place me on hold indefinitely or hang up. I use an auto pay service and they refuse to accept the correct dates of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
My name is XXXX XXXX I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft i've contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identity-theft which told me that was not true so Im resend my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 8 years i recently spoke to Experian Identity Theft department they told me my credit file may been mix up with someone else that they would fix it! still haven't seen changes!!! I sent In My ID, SSN, BILL to prove my identity Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2022-03-22 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: PA

Complaint narrative:
Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b

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