vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing because I need immediate action from CARE CREDIT. Your company has allowed fraud to occur and I need it to stop right away. I reported identity theft with the police on XX/XX/2019. I put a credit freeze on my identity with all credit bureaus. I have done all in my power to prevent these actions from occurring. After all of that stress, I got a letter in the mail from Synchrony Bank/ Care Credit that is dated XX/XX/19stating that they are unable to approve my instant credit request due to the freeze from XXXX . That means that even if your company does not do background checks on adding authorized signers to accounts, your company still had run a credit check on me and found a freeze, and then still allowed my identity to be added to FIVE ACCOUNTS ( That I know of ) on XX/XX/XXXX which is when I was alerted by the credit bureaus. I had ZERO notification that I was added to any account, there were no emails, phone calls or letters in the mail to confirm this. It is wildly inappropriate and negligent to allow someone to be added without their consent, and much less without even notifying them. I still would not know that I was added to the accounts had I not had the previous fraud and credit score notifications. 

Furthermore, how could you allow someone ( or multiple people ) to add me as an authorized user after seeing that there was a freeze on my account? It is very negligent and irresponsible to add authorized users without a credit check or any notified consent of the user. To reiterate, to this day, I have not been notified from Care Credit or Synchrony Bank that I have been added as an authorized user on five different accounts. Also, adding five accounts for one person in a short period of time is highly suspicious and your company should be doing more to prevent fraud. 

As you can imagine, all of this has caused a great deal of stress - emotionally and physically. Additionally, it has affected my job because Ive had to take time away from clients to make numerous phone calls to your company, fraud alerts, the credit bureaus, social security offices and the police. Some of these calls have taken more than an hour each time. 

I am requesting a statement from your company that states : I am a victim of fraud, that I will never be added to any accounts in my own name or as an authorized user, and that my name has been successfully removed from all accounts. 

If I do not here back in 15 days from this complaint ( XX/XX/XXXX ), then I will be seeking legal action.

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 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is manipulating payment transaction dates so that they can unfairly charge excessive overdraft fees to their customers. 

On XX/XX/2018, my account had a balance on {$21.00}, I used my debit card for a purchase amount of {$7.00} which would have brought my account balance to {$14.00}. On XX/XX/2018, XXXX XXXX extracted {$44.00} from my bank account which would have overdrawn the account as I thought the debit was coming out of my XXXX XXXX XXXX account and did not realize it was scheduled to pull from PNC. 

Once I realized the error, I deposited funds on the following business day to cover the transactions. 

The {$7.00} transaction did not post until the 7th and the {$44.00} transaction did not post until the 10th so funds were in my account at the time the transactions posted. 

When you review my account history the only transactions that overdrafted the account are he fees that PNC charged. 

However, PNC decided to manipulate the postings and reduced my available balance with the XXXX debit before the {$7.00} transaction which was from the XXXX  at XXXX XXXX  and charged me overdraft fees for both, when in reality, funds were available when both cleared, and the funds were available for the first transaction when it was pending and posted. 

I called PNC multiple times to try and come to a reasonable agreement for the excessive fees that were unfairly charged. Each time ended with me being hung up when I insisted on holding to speak with a supervisor. 

PNCs website is flooded with advertisements about how they can help with achieving your financial and investment strategies. Im struggling to understand with how manipulating payment postings to charge excessive overdraft fees to someone who is obviously struggling financially is helping someone financially? Also, how customer service assists by hanging up and then mailing my correspondence to my old address which is my parents house and was updated years ago? 

Unfortunately, Im basically helpless as I am one customer that is being stomped on by a large bank. I file this complaint in hopes that regulators will step in and make this behavior illegal so that more customers are not taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 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: NY

Complaint narrative:
The facts that I know is that an inquiry was placed on XX/XX/2019 by Equifax Mort. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting Equifax Mort on XX/XX/2019, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. 
I called the company on XX/XX/2019 and I called Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX XX/XX/2019 and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I applied for a XXXX XXXX and a XXXX card through XXXX XXXX they approved me and over the next few days closed my account. Then I go to apply for a XXXX credit card I guess through them and they denied me because of previous stuff with them. How can they approve me and turn around and close my account right away. Then because of that they wont give me a card for a different store. Then because of this since I didnt have credit with them really it is on my report how can I get that removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This complaint is in regard to a Citibank credit card that can be used anywhere but is also a card you can use at XXXX. We earned last year the amount of {$25.00} in rewards and were notified sometime in XXXX or early XXXX about the rewards. We were supposedly sent a reward certificate in the mail but never rec 'd it. After reviewing our account, we asked about it and received it via e-mail and then rec 'd another duplicate. Anyway, today XX/XX/19 went to XXXX and made a fairly large purchase and presented the coupon. It took them forever to enter it as no bar code, we held other customers up and were finally told the reward was not good and another one had probably been issued. I called XXXX in Citibank customer service and explained to her that she should just credit the account like my other cards do but she could not do that, she said she would send an updated certificate but never rec 'd that via e-mail. Anyway, I want the account credited for the {$25.00}. I mean this is about the worst system there is for giving customers credit for points earned. This small amount was earned last year and here it is XXXX and still no credit. I'm having to waste time on this, we held other customers up today at XXXX and I really don't want to present another " coupon '' that does not work. XXXX can do better than this.

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 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was at home on a Saturday ( XX/XX/XXXX ) when I noticed some unauthorized charges on my account. I had my debit card with me so I didn't lose it. I immediately called my bank ( Wells Fargo ) at XXXX XXXX on their 24/7 fraud line and filed the complaint ; This was within 24 hours of the fraud charges on my account, as the charges were not there on the XXXX. My issue still has not been resolved with my bank and my money has not been reimbursed. {$120.00} Was stolen from my account. I really need that money back and am feeling lost with my dispute being left in the " open '' status. I need help.

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 2019-04-01 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: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I requested some form a contract we verification on this XXXX party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX # XXXX I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not recieved anything and its been longer than 30 days!!

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 2019-04-01 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: NY

Complaint narrative:
The facts that I know is that an inquiry was placed on XX/XX/XXXX by XXXX  XXXX. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting XXXX  XXXX on XX/XX/XXXX, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
I called the company on XX/XX/XXXX and I called XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX of XXXX and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.

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 2019-04-01 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: KY

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both Equifax, XXXX, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

Equifax is reporting a fraudulent account with XXXX XXXX XXXX  is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: KY

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, TransUnion, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX is reporting a fraudulent account with XXXX XXXX XXXX is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX TransUnion is reporting XXXX XXXX reporting for 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 2019-04-01 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: KY

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, XXXX, and Experian. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX  is reporting a fraudulent account with XXXX XXXX Experian is reporting a fraudulent account with Chase Auto, XXXX XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for 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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
What good is this portal, if you accept a company 's response, even though answer was FULL of mis-truths, but you accept it & close the claim? I filed complaint # XXXX, which was closed as soon as the company responded. I had to edit original complaint MANY times, due to website 's character limits.There were MANY facts omitted, I thought more info would be requested later.Appears to be total waste of time. I overpaid my mortgage for 2 months by over {$300.00}. but I managed, did homework to get it fixed, but many errors were made by company in process. They opened 2 help tickets on XX/XX/XXXX-one to update taxes, other to re-analyse, was told would get new analyses 7-10 days later. When called on XX/XX/XXXX, ticket to re-analyse was closed on XXXX, because taxes were not updated. Verified by phone, prior to XXXX insurance payment being sent, new declarations page had been received-payment amount info had not been updated. Why are you here, if not to help 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 2019-04-01 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: LEXISNEXIS
State: GA

Complaint narrative:
OnXX/XX/19 And on XX/XX/2019, I sent certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/XXXX, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This information is false. I received a letter from the United States Bankruptcy Court stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' Then onXX/XX/19, I received a letter saying I requested for them to initiate a dispute on my behalf with XXXX, XXXX   XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response, I received from LexisNexis, they have not only violated federal laws. Because reporting per FCRA should be 100 % accurate. They have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. I am attaching substantiated evidence to support my complaint. The entry is inaccurate and unverifiable so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus- XXXX , XXXX XXXX , and XXXX   being that LexisNexis is who reported the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: FL

Complaint narrative:
i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX XXXX   opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX inquiry att services

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 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I cosigned a private loan with, Salliemae for my son XXXX XXXX 's loan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of  approximately {$34.00}, 000 for him to get an XXXX degree at XXXX. The account was consolidated at a rate of 3 % and it stayed at this rate until XX/XX/XXXX. The rate has jumped from 3 % to 5.25 % by XX/XX/XXXX. I was not even aware of it since payments are withdrawn automatically. Navient took over from Sallimae few years ago. This practice is to ensure students never get out of student debt. Is there any law against constant increase in rate approximately every three months. Is there any cap on student loan rate? I feel these are corrupt practices to make students keep on paying interest and not get out from debt. We have been making payments regularly over these years without missing a payment and are being rewarded with increased rates. Is there any federal agency overseeing these practices. Is it against the law. I don't understand why in last 4 years rates have almost doubled having stayed constant for so many years. Any help would be appreciated. i can provide more details if needed. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: National Credit Services, Inc.
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being National Credit Services. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to National Credit Services, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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 was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX  XXXX  opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX inquiry XXXX  XXXX

Company response to consumer: Closed with non-monetary relief