vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a XXXX student, have two accounts with Synchrony bank and both accounts have similar issues of illegal service fee and overcharging. 

I paid off my Chevron card account having {$500.00} limit, had a {$0.00} balance. In late XX/XX/2020, I received an email asking me to pay {$62.00}. I contacted the bank on XX/XX/2020 and asked where this amount came from, the representative said it was a fee from card security. I said that I never asked for card security added to my account and how could you charge a huge amount on a {$0.00} balance? The rep was not able to satisfy, so, I requested him to close the account and said I will report to Texas Attorney General 's office. 
I thought my account was closed at my request but I was wrong. 
A few days ago, I received a notice from my credit card company that my credit card limit was reduced by almost 75 % and my credit score dropped by 92 point on XX/XX/2020. 
Synchrony intentionally punished me for my request to close the account by messing up my credit score and I am not able to finance a vehicle due to a 92 points drop in my credit score. 
It's a serious matter which needs to be investigated, my credit report needs to be fixed immediately or I will file a case against Synchrony bank.

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 2020-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just got notified of your updates. Extreme inaccurate information on continues to report inaccurate information on my credit report. Three credit bureaus reporting different information. How can there be different information on ONE account???? And original date after 30 years of original day of indebtedness changed from XXXX to now XXXX! I NEVER opened a student loan in XXXX let alone for that amount. 
This is NOT a duplicate Complaint!!! This is on response to your lack of accuracy in your recent update on my credit report. Robots are ruining our lives Inaccurate balances, it's closed therefore should not say balance, monthly payment, past due amount, should not be multiple accounts diliquency remarks are wrong. The closed date is wrong from orginal closed date decades ago. And orginal day of debtness from orginal day of debt in XXXX it shown to begin with from orginal information I saw. It keeps changing in the last four months. 

This as shown says 100 % paid student loan of {$27000.00} etc which you should show on your records!! See attached.

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 2020-05-25 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: CA

Complaint narrative:
I have been a victim of identity theft, these accounts do not belong to me.

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 2020-05-25 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: CA

Complaint narrative:
I have been a victim of identity theft, these accounts do not belong to me.

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 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
The debt is a medical bill for {$650.00} for services for my grandson back in XXXX. I have no idea why my name appears on this bill. I likely accompanied my daughter while she took her son to this visit, I usually did whenever he was sick. But why my name is on the bill I do not know. The only thing I can think is that while waiting my daughter used the restroom or stepped out for a smoke when they called my grandson to register. Its been five years and I honestly dont remember the incident. However, I did not ever have financial responsibility for -or custody of- my grandson and am in no way responsible for this debt now- just as my father was not responsible for my childrens bills or anyone else is responsible for their childrens bills. My daughter, at the time, had chip, the PA health insurance for qualified applicants and their children. As far as I know, chip -through XXXX  XXXX, should have paid this bill. For whatever reason, apparently, the bill was not covered, in which case it became my daughters responsibility. Unfortunately, my daughter passes away in XXXX. Her son was adopted by another family. She died penniless, there was no estate and even if there was it would have been settled long ago. 
As another note, the holder of this debt, commonwealth financial, is appallingly predatory. I didnt even know about this bill-its been years- yet upon purchasing the debt commonwealth immediately put it on my credit report before ever even contacting me about it. I learned about this from a credit service notification I recieved. One week after they put it on my report I got a letter from them stating I had 45 days to dispute the bill, but it had already been reported and remains in my credit report. Their behavior is inexcusable and repulsive. 
So, to recap, Whoever checked in my grandson on this day made a mistake a put my name on the registration not my daughters. Until this showed up in XXXX of this year I had no knowledge this even existed. Because they made a mistake, however, does not make me responsible for my daughters expenses. It should have been paid by chip and any denial should of went to my daughter. I did not have custody. The patient is my grandson, if he was under my custody this bill would be my responsibility, but I did not. Nor can I be held responsible for an error made by the person checking him in. While I do not remember this, I can guarantee I would have provided all this information at check in and Im certain my daughter must have also presented herself to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FIRSTBANK
State: AZ

Complaint narrative:
On XX/XX/2020, I noticed that my bank card from 1st Bank of Colorado was missing from my vehicle in my driveway ( along with two other cards and my license ). At this time, I reported the card stolen to the bank and they sent me a new card. At this time, I noticed two charges pending on my account to XXXX XXXX ( {$29.00} ) and XXXX XXXX ( {$17.00} ) that I did NOT authorize. I have been told previously I could not contest pending charges so I had to wait until they were actually finalized before I could attempt to make a claim. Starting on Monday XX/XX/XXXX, I made attempts to call the bank. Hold times were longer because of the COVID 19 situation. After multiple attempts being on hold and disconnected I went to the website and requested calls from the bank. I did this daily for three or four days until I finally got through on the phone speak to someone about my contested charges. After a couple of weeks, I reached out to the bank via email to ask about the status of the claim and I was told it was denied and to call a specific number for details. The number isn't even an active phone number! I have two other cards that were stolen at the same time and attempted to be used at other establishments. I didn't report them to the police because the banks all claim to have protections for fraudulent charges. I never left my home on the day these charges were made, I have never set foot in the liquor store and have not bought pizza from any XXXX  in months if not years. 

Also, when I checked on the status of this order, I reported a third false charge for {$29.00} made a week earlier on my account and the bank is ignoring any communication about this charge even though I have emails from the company involved saying they have no orders from me. I am attaching the emails for this claim below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 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: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, Equifax, and XXXX   has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, Equifax, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, XXXX, and Experian has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and Experian has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

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 2020-05-25 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, Mid South Adjustment, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is for the Citi AAdvantage Platinum Select Card. 

XX/XX/2020 -- Called to close account. No balance owed. 

XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX  out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. 

XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. 

XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. 

XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.

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 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just got notified of your updates. Extreme inaccurate information on continues to report inaccurate information on my credit report. Three credit bureaus reporting different information. How can there be different information on ONE account???? And original date after 30 years of original day of indebtedness changed from XXXX to now XXXX! I NEVER opened a student loan in XXXX let alone for that amount. 
This is NOT a duplicate Complaint!!! This is on response to your lack of accuracy in your recent update on my credit report. Robots are ruining our lives Inaccurate balances, it's closed therefore should not say balance, monthly payment, past due amount, should not be multiple accounts diliquency remarks are wrong. The closed date is wrong from orginal closed date decades ago. And orginal day of debtness from orginal day of debt in XXXX it shown to begin with from orginal information I saw. It keeps changing in the last four months. 

This as shown says 100 % paid student loan of {$27000.00} etc which you should show on your records!! See attached.

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 2020-05-25 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: FL

Complaint narrative:
Wrong credit reporting to mu XXXX y account. accounts not open or approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: NJ

Complaint narrative:
I was living at XXXX XXXX XXXX for 4 month left and went back to my moms house at XXXX XXXX XXXX XX/XX/XXXX we had a fight he stole my passport I did not apply or take out any student loans or give my information to be used as co-sign the person responsible is XXXX XXXX XXXX please update your info and help he stop the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation