vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was the second signer on a Care Credit Card through Synchrony Bank. account # XXXX .Account Balance was {$830.00}. I did make all the charges on it my Ex -significant other made most of the purchases. He told me he paid it off and I have a screen shot of the pay off from XXXX Credit report ( see attached ) I called Care Credit and they refuse to help me and transferred me to a Global Call center where they refuse to send me a copy of the Care Credit Statements. I tried to log in to the Care Credit account and it says the account was closed. Then I received a letter with Synchrony Bank & Care Credit on it that said my closed account was sold to XXXX XXXX XXXX XXXX ( see attached ). Then XXXX XXXX started harassing my mother & I with collection calls. I called XXXX and a very verbally abusive female yelled at me and said I owed the {$830.00} and she would make me a pay off deal to subtract {$170.00} dollars. 
She stated Care Credit sold the debt to their company. I told her about my XXXX  credit payoff and she said I was " wrong '' and XXXX will sue me for the {$830.00}. 

I believe Care Credit and XXXX  are in violation of the Fair Credit Act and Harassment of creditors and refusal to send my last Care Credit statements. 
Please help me resolve and prove the pay-off on XXXX report.

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 2020-06-30 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: PA

Complaint narrative:
Hello, I have had a Bank of America credit card since 2017 that I used to pay for college. I have finally paid it off completely, and the company keeps charging me " {$1.00} '' interest fees even though I am already completely overpaid. 

I also am not getting an answer on the phone. I would like to get my overpaid amount back and close the account if possible. Or use a different service that does not try and charge fraudulent interest fees. 

I am trying to get out of college debt. A few dollars here and there because rich people in finance are in severe credit card debt doesn't matter to me. I know how to handle my money and make money. I am not going to cover these financial firms throwing the United States of America into the hole.

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 2020-06-30 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: LA

Complaint narrative:
I have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and 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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
We are in the process of refinancing our existing mortgage. The process began in mid XXXX and stalled at nearly every point of the way. It is now almost XXXX and we do not even know where we are in the process. In the middle of a pandemic, they asked us to pay for our appraisal and refused to tell us when the appraisal would actually be handled. As usual, the process of getting in touch with the people handling our mortgage has consisted of ATLEAST 3 emails, 5 missed calls, and a call to their supervisor. At this point, we receive not a call back but an email telling us which documents to upload. We upload the documents, which have usually already been uploaded, and when we ask if they can see the documents, there is no response. And they do not communicate with us ever again. Then a few weeks later as we realize there has been no progress or communication, we start the process again. The workers there clearly do not understand that they work for a mortgage company and people who have a mortgage on their home in which they live in with their family do not enjoy having their entire life/savings dangled in front of them. We have been hung up on multiple times throughout this entire process, forced to sign the same documents twice, upload some documents thrice, and pay almost {$500.00} for an appraisal that is apparently never going to happen. This is already a frustrating time and instead of being upfront, they are dragging the entire process out repeatedly. And now, when I log in to the Flagstar website, it tells me some of my documents are expired. Tell me how long a mortgage company can begin a process and not finish before the documents expire? This is by far the worst mortgage company I have dealt with and would not be my last choice ever.

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 2020-06-30 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 believe i am a victim of identity thief. In XXXX I had my identity stolen through XXXX  data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe i am a victim of identity thief. In XXXX I had my identity stolen through Equifax data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is the wrong information disputed on my credit report. Accounts are reporting in errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
There is the wrong information disputed on my credit report. Accounts are reporting in errors

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 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I need to connect my XXXX  with my PNC account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-06-30 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: AR

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 very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have tried multiple times to call citicard support. Also they have no email to access them. I believe what Citicard did is not fair to me as a creditor. I had credit line of {$14000.00}. My wife made a mistake one time and sent the payment a few days late. Yes, it was our mistake. We have been paying down all of our accounts. I have worked every day through out the whole coronavirus epidemic. Paid all of my credit cards down. Citicard dropped my available balance to what I owe them. Crushing my credit score. I would have a higher credit score if I filed bankruptcy on them. Total XXXX, time for someone to protect the creditors from lenders. This is almost the same as predatory home loan lenders did years ago. My credit score should be around XXXX Who let 's these lenders do what they do to creditors. I will be come full force on this issues. I will seek local and national legislation to fix the system and credit bureau. If I do not pay my bill fine, but everyone I owe gets PAID. 
Time that someone looks out for creditors or it will end up being another class action lawsuit against the banks. 
I have a buddy that filed bankruptcy 2 months ago for the 2nd time and has a credit score higher than mine. I should file, they would get nothing. I am a proud Veteran that has always paid my Bill 's and debt. Tired of large corporate banks taking advantage of the little people.

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 2020-06-30 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: TN

Complaint narrative:
They are reporting wrong address and name

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied citi costco card last year and never receive the card and never receive the statement. I never been worry about the balance because I never use it. I did credit report for my score about a month ago and found out there is past due amount with interest charge. I then contacted citi what is the balance for and they said the charge was for costco membership by XX/XX/2020, they verify my address was not include unit number that's why I have not receive my card and statement. I told then if they can wave off some of my interest then I will pay off but they said this case has been sent to debt collector which never answer the phone. Its only {$120.00} membership fee charge by costco without my authorization, talked to costco for help but no luck. I don't mind to pay for my membership fee and I have never late for my payment that I always pay in full.

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a checking account with Bank of America. When the banking statement of XXXX 2019 is not available in my account online, I submitted a request of a PDF file of this banking statement online. The PDF file should be free of charge as it is described online. But they charged me {$5.00} for this statement. When I submitted the request online, there is no charge notification and payment request. This made me think it is free. As I logged in my account a few days later, I saw the {$5.00} charge, and no PDF file in my account. When I called the customer service, I was told as long as I submitted a request, I would be charged {$5.00}. This is very unfair to not notify the charge before I decide to proceed my request. This is a very misleading trick to violate consumers ' interests and rights.

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 2020-06-30 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: AR

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 very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX  XXXX {$110000.00} 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 2020-06-30 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: AR

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 very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} 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 2020-06-30 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: AL

Complaint narrative:
I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2020-06-30 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: TN

Complaint narrative:
They are reporting wrong address and name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with annualcreditreport.com and called Equifax on XX/XX/2020. Equifax referred my back to to annualcreditreport.com, denying any connection between Equifax and the questions posed at the site. I've since received a letter from annualcreditreport.com instructing me to contact the bureau ( s ) directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.

Company response to consumer: Closed with non-monetary relief