vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
My complaint is against Brown & Joseph LLC dba XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter and called my phone to collect {$3900.00}. They have the year make model of my car, my name, my address, and my telephone number. They are collecting for an 'insurance claim ' that on XX/XX/2022 I side swiped a car and sped off leaving another car to repair damages on XXXX & XXXX XXXX '', two avenues that do not intersect, in XXXX XXXX XXXX CA. The date they claim, XX/XX/XXXX is impossible for me to be at the scene because I was in XXXX, MD at that time and my car had been parked for a two week period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys gift card for XXXX. They said I could apply to get the card re-issued. I did and they denied the reissue of the card, meaning I cant use it. They sent me the denial today XX/XX/2022.

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: IN

Complaint narrative:
XXXX XXXX  contract termed not renewed. Account sent to collections because contract was not canceled in time and business attempted to renew contract without consent. Amount owed is completely inaccurate and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Randomly closed good standing account, no late pays, usually paid in full. When accounts were closed it severely impacted credit score. I have worked my tail off for 5 years to rebuild my credit from XXXX to XXXX, now after accounts closed I am back at XXXX. The banks should not be able to ruin your credit when you have 100 % pay and not late pays. I am not the only person this has happened to. This causes higher interest rates which is what most of us were trying to fix. I was so excited when I was finally able to go from a 14 % interest rate to a 6.4 % rate because my credit score was GOOD. Also they told me when I called they informed me of this, they did not. No statement, email or standard mail.

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 2022-09-14 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: VA

Complaint narrative:
First I must begin with my information was part of the massive XXXX XXXX leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, XXXX keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with XXXX a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at XXXX and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however XXXX not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had an Amazon store card with Synchrony bank for years and have never missed a payment. In XXXX I had two payments that were returned within a 24 hour time frame. Firstly, I did not realize I setup 2 payments of both {$500.00} and {$600.00}. Second XXXX XXXX XXXX used to allow them to go thru and I would just transfer the money in my account to cover low or insufficient funds. This time I am not sure why they did not allow it. The day the payments were returned ( which was in 24 hours ) I immediately issued a {$700.00} payment to post to my account and also incurred a {$40.00} late fee which I paid. I have had a lot of fraud activity lately and do not keep much money in my checking for this reason. On XX/XX/13 I went to make a purchase and the card was declined. When I checked online it said my account was closed, so when I called synchrony they advised it was because of these two returned payments. This is really night right as I accidentally had this returned payment happen one time in how many years. I didnt realize I scheduled double payments and because I keep low funds in my checking due to fraud I have lost an account that I frequently use and always pay on time. This is not good treatment of a long time customer with excellent paying history.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
SOMEONE STOLE MY DRIVER 'S LICENSE, USED IT TO GET A DL, AND GOT TRAFFIC CITATIONS IN MY GOOD NAME, IN THE STATE OF UTAH USA. 
UTAH TRAFFIC CITATION # XXXX, ON OR ABOUT : XX/XX/2021. 
AND CITATION # XXXX, ON OR ABOUT : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I called back in 2018 when I paid a debt that was owed attached to my social security. Later to find out that they were charging me again for the same apartment complex just a different apartment number. The account national credit system has have a different social security number that isnt mine. The contract that they provided doesnt have my social number on it. They purposely remove the social security number from it. I asked them how can I get an apartment in the same apartment complex if I owed a balance? Thats not possible. They ignored my claim and refused to remove it, after I had just paid XXXX dollars for the debt owed with my social security number. This isnt my debt I paid what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the victim of identity theft. 
In XXXX of XXXX I placed a Credit Freeze on my credit report with Experian. 
In XXXX, some criminal took out a credit card in my name and address with XXXX XXXX XXXX XXXX XXXX. 
I informed XXXX XXXX on XXXX about this situation and they informed me that they would perform an investigation. 
On XXXX they sent me a letter stating that they see nothing wrong with the account and I am responsible for the account balance. 
Please 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM XXXX XXXX A NATURAL BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Transunion & XXXX is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... ... all of the unverified information must promptly be removed. 
They can see in there system that this account was previously disputed without being verified. XXXX has violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission not only that they did not have my consent. They not respect my right to privacy which is under 15 USC 1681 ( a4 ). The account being disputed is XXXX XXXX XXXX XXXX of XXXX GA.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I AM XXXX XXXX A NATURAL BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that XXXX XXXX XXXX is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... ... all of the unverified information must promptly be removed. 
They can see in there system that this account was previously disputed without being verified. XXXX has violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission not only that they did not have my consent. They not respect my right to privacy which is under 15 USC 1681 ( a4 ). The account being disputed is United Auto Acceptance XXXX of XXXX GA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lockhart, Morris & Montgomery Inc.
State: WA

Complaint narrative:
I received a phone call at XXXX on my home phone. I was awakened, as my family was still on vacation, but I missed the call. When I called back at XXXX to inquire about it, I was asked to hold, then hung up on. I still have no idea - WRITTEN or otherwise- as to what the issue is. I filed with the company 's local XXXX ( with whom they are a member I believe ), and received a canned response from their legal unit 2x telling me to contact the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I currently have a mortgage with PNC. I'm continually being sent letters for non payment. The bank seems to purposely either not process the payment or is losing it. It has taken them on my last payment an extra 18 days to process a payment. It seems they are in the business of purposely making my payments delinquent. I have all the dates of when payment is sent. I have always paid this the same way since the beginning of the loan. Now there is always some confusion with their system. There is a example of a payment that was from XXXX that should be applied to XXXX and they still have not completed this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
As I logged into XXXX to check for inaccuracies on my credit report on XX/XX/XXXX, I noticed that I have an inquiry on my Equifax for profile for XXXX XXXX XXXX XXXX XXXX. This inquiry took place XX/XX/XXXX. I submitted a dispute yesterday with Equifax and they did not remove the inquiry. I have an extended fraud alert. I am also a victim of fraud which is why I have an extended fraud alert on my credit profile. The dispute results came back as " updated '' instead of " deleted ''. The inquiry was not made by myself and should be removed. When I notice anything on my profile that needs to be disputed, it is done immediately. For Equifax to come back within hours and say this inquiry came back verified and accurate knowing I am a victim of fraud confuses me. I do not feel a thorough investigation has be done. This inquiry was not made by me and it pains me that after disputing the item it is only being updated and not removed. I do not own a XXXX XXXX account nor did I make an inquiry. The same way I found that I had an account with XXXX but I never owned an account with XXXX. The same way someone tried to open an account with XXXX XXXX XXXX but I already have an account with them. XXXX XXXX XXXX reached out to me saying someone is attempting to open an account. How they submitted my social security number to them and forms of ID. This attempt was made in Washington last year. The same way someone made purchases with my debit card for a XXXX flight that I didn't take. I was at home. I am not sure how this is being done but what I can assure you of is that I constantly monitor my credit profile and whether or not the inaccurate item is seen right away, I always take steps to address any item I know to be false and not submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
Several years ago I joined XXXX XXXX in CA. When I joined I set up automatic payment with my bank. Approx. XX/XX/2022 I called and informed XXXX XXXX that I was moving to Indiana and wanted to cancel my membership. They took, my information, told me I was current with payments and that I was cancelled. I then called my bank and stopped the automatic payments. A few months later I was contacted by a XXXX XXXX agent who said I owed {$130.00}, I told them I cancelled my membership and was current when cancelled. They said they would check. I was then told I was okay. Heard nothing else for 6 months when the law firm of Aldous & Associates contacted me. I informed them in writing that I disputed the claim, and that I cancelled as described above. I asked them in writing for an explanation of the {$130.00} charge and all documents pertaining to the charge. I only received an illegible copy of a membership agreement that was unreadable. I again asked for an explanation of the charge and copies of legible documents. I was supplied with no other documents or information verifying what was owed. They reported the alleged debt to credit bureaus. Despite knowing that the debt was disputed, they provided no legible documents or information, after I had requested these same twice in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,

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 2022-09-14 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has NOT reported any of credit cards account information to any of the three major credit bureaus in more than 90 days ( Over three months ) their last reporting was in early XXXX and this is negatively impacting my credit score, since i have been consistently making payments to lower my balances and as of XXXX all of my five accounts with Comenity bank had been paid in full. However, as of today XX/XX/15 has yet to be reported to the credit bureaus. 
When I contacted them they couldn't even provide a reasonable ( if any ) excurse at all as of why they have failed to report to the credit bureaus. 
My responsibility lies in paying these bills every month. Theirs is to report to the agencies. I been doing my part why haven't day?

Company response to consumer: Closed with non-monetary relief