vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX on 2020 I reached a settlement agreement with Synchrony Bank in regards to my Care Credit account. The agreement was set to be paid off in three installments. The first two payments went through no problem. Then with the third Synchrony never attempted to pull the payment. The money set in my escrow account for 30 days and then was defaulted back to me after Synchrony Bank opted to never pull the final payment. I contact Sychnrony to find out why they never pulled the last and final payment and got a new story each time. I have tried to make the final payment as we agreed upon but they will not take it. The original settlement defaulted since they back out of the agreement, and now want to re settle for and additional {$3500.00}. I have been advised that these deceptive practices are common with Synchrony. I have provided them the information from my bank saying the funds were waiting for them, I also have the payment confirmation codes. However, they will not budge. I want the original settlement to be upheld, and to make the final payment, again, so that I can be done with this horrific company. They have recorded every conversation I have had with them and those recording will prove that each time I talked with them I received a new story. There have deceptive practices and policies and should not be allowed in business.

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 2020-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Based on race XXXX XXXX, age and gender, Experian has segerated my consumer credit report to what they referred to as an special department and refused to allow me to dispute inaccurate fraudulent activity and obtain information regarding the consumer credit file via telephone. I brought this illegal practice of preveting certain American from obtaining information via telephone several years ago via multiple complaint filed with CFPB against Experian and to date you have refuse to provide the consumers protection from this abusive practive especailly during COVID-19, a consumer should be able to immediately dispute fraudelent activities. I had made several attempts to report inaccurate information and fradulently activity to Experian, each time after being transferred multiple times and placed on hold for over and hour I am either disconnected or transferred to an voice mail. To date experian has refused to allow me to dispute fradulent activity and inaccurate information contain in the consumer file.

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I had to vacate an apartment due to living conditions and I had no choice but to let the payments default. ( XX/XX/XXXX ) The collection was first with XXXX XXXX XXXX XXXX XXXX. 
They moved the collection to IQ Data and they contacted me in XXXX, I told them I did not have the {$4000.00} to pay. 
They told me they will put it on my credit ; I wont be able to buy a house ; im not responsible and they were RUDE! 
Yelling at me. 
They called my job XX/XX/XXXX asking for me. I asked how they got the corporate number and asked the to Desist calling because we are a SECURE GOVERNMENT FACILITY. Those types of calls are screened by the government. 
The guy proceeded to get rude and I hung up. 
I called back to speak to his manager that questioned my job performance because I had not paid this collection. 
He also said, " So what you want me to do, call you boss and get it from her? '' IN NO WAY IS THIS ACCEPTABLE! 
They are rude ; they keep threatening me saying that I wont be able to attain anything because I dont pay my bills and these people do not know me! 
I am taking care of my parents home and mine! I work VERY HARD! 
Im tired of them calling me and threatening me!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  services appears on my Experian credit report illegally. 

As a result of this ; Experian currently reports negative remarks such as. 

: High balance : Miss payments : Account and collections XXXX XXXX XXXX   services ; currently does not report account balance. A violation a violation of section 1681 XXXX XXXX XXXX services ; currently does not report if account was sold a violation of section 1681 Please know that these are egregious actions taken against me by Experian credit reporting agency. With multiple Violation of FCRA rules section 1681

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Unable to connect account to XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened a savings account in XXXX XXXX  on XX/XX/2020 around XXXX XXXX  EST. 
I was not able to link my PNC bank checking account to put funds into the savings account just opened in XXXX XXXX, using linking accounts process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2020-06-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I received an email from Citibank confirming upcoming travel ( attached ). At about XXXX XXXX, I notified the fraud line that I was NOT traveling and had not reported that I was traveling. The specialist then told me that someone had charged {$2500.00} at XXXX in XXXX, MD using a card with a number that I had not activated. Citi then closed the account ( see attached ). 

Five minutes later, another Citi Fraud Specialist called on my landline ( in XXXX ) asking whether I had just complained about Citi 's refusal to allow a {$5000.00} Home Depot charge. I told him that I had not called him and was delighted to be able to quash the charge. 

The thief had been able to call Citi using my cell phone number because they had my SIM card installed in their phone in a XXXX, MD XXXX store at XXXX XXXX. A XXXX Fraud Rep identified the person who did it as " XXXX '' ( see attached ). This enable them to answer the account verification calls I would otherwise have received and elude detection. During this time, I had no cell service. 

I thereafter contacted the XXXX County Sheriff 's Office reporting XXXX as a possible suspect and tried to report the crime to the XXXX Fraud Department and my local precinct, which refused to take the report without a " Letter of Affidavit '' from Citi. However, Citi 's Security Department said that such a letter could not be issued because the XXXX charges were in dispute and the police would have to contact Citibank 's Law Enforcement Department at XXXX. I sent this information to the law enforcement officers with whom I had spoken. 

Last week, I received a bill showing {$2500.00} in charges at XXXX and {$5000.00} in charges at Home Depot, despite closing the account, rejecting the pending charge and being told that it was stopped. 

By letter dated XX/XX/XXXX, Citibank has deemed me responsible for the fraudulent charges, including the Home Depot charge.

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to enroll my account in XXXX  to have my money work for me and Pnc will not allow linking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2020 I paid my Bank of America credit card in full using their online banking application. There were three choices to make a payment : 1 ) XXXX statement balance ; 2 ) Current balance ; and 3 ) other balance. I paid the current balance in full before the due date which was XX/XX/2020. To my surprise I noticed on my XXXX XXXX that there was still a {$20.00} balance due on XX/XX/2020. I looked and it seemed to be interest charged on purchases from the close of my XXXX XXXX to XX/XX/XXXX. ( I would like to point out that there were no new purchases since XXXX, 2020 ). When I chose to payoff my current balance there was no indication that there could be a residual interest charge on my next statement. If I did not notice via XXXX XXXX I would have thought my card was at a {$0.00} balance and not made a payment in XXXX which would have in turn cost me a late fee and negative impact on my credit. Thankfully I caught it-but when I called and complained the service rep said she could not reverse it and also that BOA did not have a complaint department. I feel that this is deceptive practices in order to generate fees. The Service Rep also  stated that I should always call for a payoff quote. This was no where indicated on the online banking page!!! There was no warning or flag to tell the consumer that there could be more interest on the next statement balance. I would like an investigation to see if they are properly warning the consumer about interest rollevers and also if this is clearly stated in their disclosures.

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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: FL

Complaint narrative:
The company Orion has called me repeatedly. They wanted me to verify my social security number. I refused. As I tried to explain to " XXXX '' that I wasn't comfortable with that as my identity was stolen he refused to listen said he would just " assume '' that it was my debt and they would proceed to sue me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2020-06-24 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Ticket number XXXX XX/XX/2020 I purchased a flight with XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/2020. Days later XXXX Government stated that it was best for us to stay home and not to go outside only for necessities. I notified XXXX about this situation and the representative told me to stay up to date with what's going on as far as cancellations. I told her to notate the account as well stating that I would like a refund not credit. 

I called and called and couldn't get a hold of anyone days prior to my flight taking off. I couldn't leave my home. I filed a complaint with my bank and they refunded me. Weeks later I received a notification stating that the case was reopened and XXXX provided them with information such as " a credit '' so they took the money back out and it went back to XXXX. 

Once again, this is a pandemic and they should have basic empathy for customers during this time. It's been months since I was able to received funding for my small business so I was relying on any cash that I could have received during this time. 

This is beyond absurd and I feel extremely manipulated. I do understand the no return policy but this should be escalated and a refund should be given to me as a courtesy due to this world pandemic.

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 2020-06-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW   license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.

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 2020-06-24 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: TX

Complaint narrative:
Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data

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