vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The account belongs to my XXXX year old, XXXX XXXX bound, XXXX XXXX aunt and my XXXX year old XXXX XXXX XXXX Veteran father. I was placed on the account in case something were to happen to either of them. My XXXX year old mother and I are also durable power of attorney for my aunt. In XXXX of XXXX ( PRE-COVID-19 ), I was added to the account. My parents and I went to the bank branch and completed the transaction. I was asked to show my license and sign my name, which I did with my current drivers license and legal name. This was all done digitally. I was given no paperwork as proof of what the employee was typing into the computer. In XXXX of XXXX, I requested an ATM card for this account. When it arrived, it had my maiden name on it. I called the bank manager about this error and he told me his bank computers linked my Social Security number to that name and I would have to prove I WASN'T that person. He wanted me to produce additional private documents and bring my parents to the bank again. I told him, because of COVID, I was not comfortable bringing my elderly parents to the bank and especially did not want to give him my personal documents. I told him I would come to the bank and show him my license again. I even offered to show my military i.d . also as a second form of identification. He didn't care. He told me all parties listed on the account had to be present. I explained my concerns over COVID and pointed out that his bank had changed its banking policies due to COVID. Also, I asked how all parties could be present when one of the people listed on the account does not exist. He became irritated with me and told me he had to leave to pick up his child. He refused to fix his bank 's error. I have sent letters to this bank manager, as well as two other corporate agencies in the bank, requesting this ERROR be corrected. I have gotten no response. I have called the 1-800 customer service number for the bank and they told me they couldn't help me. I am now receiving mail in my maiden name at my parents ' home ( the address on the account ), which leads me to believe the bank has released or sold this fraudulent info. I have not had my maiden name in over 20 years and have been married twice since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: WA

Complaint narrative:
An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and XXXX to remove from my account and have not removed it. the account added is XXXX original creditor is XXXX XXXX this was never my account I am requesting this account be removed immidiately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I tried calling the 800 number listed on the inquiry from this company because I have no knowledge of this. However, I was told no information was available

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 2021-04-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-14 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to JPMC asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMC to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00} Payment Info Status Past due 30 days two times Status date XX/XX/XXXX Past due amount {$350.00} Original loan amount {$1900.00} Monthly payment {$160.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - XXXX - - - - - - - - - - - On Time 30 Days Late - Data Unavailable

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 2021-04-14 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XXXX, XXXX payment and scheduled for six months. Repayments started in XXXX, XXXX. Beginning in XXXX, XXXX XXXX, XXXX reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of XXXX. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several XXXX employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, XXXX removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to XXXX 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XXXX, XXXX payment and scheduled for six months. Repayments started in XXXX, XXXX. Beginning in XXXX, XXXX XXXX, XXXX reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of XXXX. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several XXXX employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, XXXX removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to XXXX 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''

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 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: TX

Complaint narrative:
I received a notice of a collection on my XXXX  report on XX/XX/2021 which I immediately contacted the collection agency, COLLECTION SERVICE OF ATHENS for debt validation via phone. They were unable to locate any collection with my name, last 4 of SSN, address, or telephone number. They advised me to send a screenshot of the report that I was referring to which was sent on XX/XX/XXXX. I provided contact information such as my phone number, email, and home address which is what they used to update this account and did not respond to my email. Since no response was received, I filed a dispute online with XXXX and it was returned as verified on XX/XX/XXXX. Unsatisfied, I followed up on the email to CS Athens on XX/XX/XXXX requesting a response to my previous email. I still had not received a response and contacted CS Athens via phone once again. Suddenly they were able to find the account in question with my address because they updated it from the email I sent originally. XXXX at Compliance Department advised me that they are not allowed to contact me about this debt due to the state I reside and I will have to provide a signature requesting a fraud packet be mailed to me. After this conversation, I contacted the XXXX XXXX XXXX located in Georgia ( which I have no ties to ) in which the debt had originated. I spoke with XXXX in the billing department regarding this debt. They were unable to locate me as well due the spelling of my name not matching what they have on record for this account. They had a Georgia address on file with no SSN for this debt and advised me that there is a second account going to collections and they will put a hold on it while they investigate. She said someone will return my call within a week and if I dont hear back, to call them again. I have been back and forth with CS Athens, XXXX XXXX XXXX and XXXX  all within the last month to have this matter resolved.

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I just turned XXXX last month.In an effort to and monitor my credit and protect it. I have been subjected to apparent ID Theft. I have contacted each collection who tries to collect this particular account with XXXX XXXX XXXX and each time the item is removed and then placed on my credit by another collection Co. Because XXXX XXXX XXXX is passing the collection on to various collection agencies. My plans are two file suit immediately. My personal information is being sold and passed along to various companies making the risk even greater for my ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
I am a victim of the Equifax data breach and my social security number has been compromised. As a result of this. I am a victim of Identity theft and there are fraudulent accounts on my credit report. I filed an Federal Trade Commission Report. I have my Identification attached as proof of my name and address. This information is not information relating to any transaction by me. I also notarized my dispute letter to prove that it is me that sent the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2021, as of XXXX am I had accidentally gotten a TransUnion subscription when trying to get information about my credit score. I found out when TransUnion sent me an order confirmation via email charging me {$1.00} for the credit score and another {$24.00} for the subscription. Panicked, since I didn't intend to spend money, I unsuscribed. However, the website told me that my data would be unprotected so I made an account with XXXX. However, I instantly regretted that decision and tried to get my account cancelled, even using the number on the website : XXXX when the website clearly made account termination impossible. I called to cancel my XXXX account. I was directed to customer service and was requested to give information on my name and social security number. I was told my account was canceled and I would get an email confirmation in 15 minutes. However, 15 minutes after XXXX XXXX, which is when I ended the call, I had received no such email. Even now, I haven't received it. Considering the shadiness of those companies and that they have deceived me, I don't know if I will ever be able to cancel and delete my account by solely dealing with them so I am reaching out for 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 monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My TJX Rewards Mastercard account was closed by Synchrony Bank on XX/XX/2021. The company claims that I had added too many authorized users to my accounts. Upon speaking to a representative, I was told I was allowed 6 authorized users ( even though the page only allows five ). There is no public information telling me how many authorized users that can be added and I was in compliance either way.

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I applied for the HSBC Premier checking account and it was opened in XX/XX/XXXX. The offer was {$450.00} incentive after completing the prerequisites. I called HSBC on XX/XX/XXXX to understand why I had not received the bonus and learned the following 1. They failed to close a prior account in XXXX, have no record of it an in absent of my consent maintained an account 2. The system failed to automatically close the account after 5 years of inactivity departing from their own internally defined rules 3. They claim the link used to signup for the account was inaccurate despite my following instructions from their site directly, the offer still being currently available https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ # : ~ : text=after % 20account % 20opening.-, You % 20will % 20automatically % 20receive % 20the % 20 % 24450 % 20Welcome % 20Deposit % 20in % 20your, minimum % 20requirements % 20are % 20not % 20maintained. 

The remedy I desire for this breach of consent, deceptive practices of failing to pay an incentive after reasonable efforts to resolve with a customer service representative and first line manager including 1. " The system can't be overridden '', 2. Acknowledging the system rules weren't followed for automatic closure and was in error as shown by statements post XXXX being inactive 3. Talking over customer, attempts to get call disconnected through long hold times with no clear end, making customer ask 3 times to speak to manager prior to being connected 4. repeating guidance that conflicts with their own written public statements " if a customer ever had an account with HSBC ineligible for incentive '' vs correctly stating from XXXX. The deceptive practices are consistent the broader trend identified in allowing for criminals to use bank to transfer funds and refusing to be forthright and honest in dealings with customers https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
loanadministration, or XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX illegally and incorrectly reported my MORTGAGE as " 30 DAY past due date! 

I paid off the whole mortgage in XX/XX/2020. I was never late in the years while holding the mortgage. After I paid off in XXXX, then suddenly it was reported as delinquent. 

1. If it is " 30 DAY past due date '', they shall send letter to notice that. They never did.

2. The loan was in COVID forbearance for few months. It was current all the time.

3. When i requested to pay off and I paid in XXXX. It was marked as delinquent. 

I called the company and try to resolve the issue. They are very rule. And they refuse to let me talk to a manager. They keep bullying customers and ask me myself to take care of the issue. It is this loan company did this illegal report and fraud to ruin people 's credit. Until I found out myself when checking my credit, I would never even know it.

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