vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Approximately 2 years ago I opened a credit account with Ashley Furniture ( Synchrony Bank ) with a zero per cent interest rate for 72 months. From the original purchases I was given a {$34.00} a month payment and I have paid {$50.00} every time. This past XX/XX/XXXX I purchased more furniture from Ashley, also with a zero per cent interest rate but for only 6 months time on that purchase with a total of {$480.00} due for that purchase. My first payment including the new purchase was XX/XX/XXXX and the amount was to be for {$63.00}. On XX/XX/XXXX Synchrony received an automatic payment from me for {$50.00}. On XX/XX/XXXX, XXXX XXXX same statement ) they received a payment of {$480.00}, the full amount of the XXXX purchase. On XX/XX/XXXX Synchrony received my regular payment of {$50.00}. I was also hit with a {$29.00} late fee for not paying the {$63.00} payment on XX/XX/XXXX. I had already paid $ {$530.00} for the amount that was due in XXXX! I talked to three different people at Synchrony Bank, the first was XXXX, didn't get the second name at customer service, but the third customer service supervisor was XXXX. She told me that I could not pay money early that wasn't owed. I read the statement showing the {$430.00} credit and she told me she couldn't help me because I was arguing, so I told her have a good day and hung up. I want a credit to my account for the {$29.00} late fee ( especially since it wasn't late ). Now my next payment has jumped to {$81.00}! The first two service advisors I spoke to said it was a glitch in the computer system that couldn't deal with early payments. I would like you to help me get the late fee refunded and my payment returned to the original purchase amount of {$34.00} a month, of which I will still send {$50.00}. I have the last three months statements ' if there is a need for me to get them to you. They do not deny that I have paid all that I have told you, but the co-operation was almost non-existent and my understanding from XXXX was that I would not be given any help by 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 2020-04-02 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: MI

Complaint narrative:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXX ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}

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 explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I ask XXXX, XXXX  and TransUnion 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit 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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I ask XXXX, Experian and XXXX 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit 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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
While on vacation in XXXX on XX/XX/2020 I received a Fraud alert text from Capital One Bank to my cell phone at XXXX XXXX asking me was I attempting a {$2000.00} transaction on XXXX XXXX   to XXXX, at XXXX XXXX  I replied NO immediately I contacted the bank because my debit bank card was immediately shut off by the bank. I explained to the customer service fraud representative that I was on vacation and I was not sending funds to anyone on that day I was given a case number # XXXX as they would be working on the situation. On Monday XX/XX/XXXX I went into Capital One located in XXXX on XXXX XXXX. at that time I was told the account was still under investigation. The bank issued what they describe in my account as a XXXX credit until they complete the investigation, I received a letter from Capital One Bank dated XXXX XXXX stating that no error was found in the investigation and they would be recouping the {$2000.00} from my account on XXXX XXXX. The letter stated if I found that the decision was not correct I should call XXXX to speak with a representative and I did on XXXX XXXX @ XXXX XXXX  and spoke with XXXX regarding the investigation decision that is not accurate and I was told that this case would go back for further review, well as of today the bank took my money and they are at fault for any breach to that account because I did exactly what they asked me to do replied NO immediately. I do hold Capital One Bank responsible for this issue because on the initial date of occurrence the fishing of funds in my account started with two attempts to withdrawal XXXX that they did decline and a total of three attempts to withdraw these XXXX this bank has failed to protect themselves and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was notified by IC System on XXXX XX/XX/2020 regarding an alleged debt. IC System is the collection agency for XXXX XXXX XXXX. I have reason to believe this debt was incorrectly assigned to me ; my monthly payments to XXXX XXXX XXXX are current with my XXXX XXXX card ( see attached PDF XXXX XXXX payment history ). I have also used XXXX XXXX ( credit card ) in the past to pay for services to XXXX ; this card is currently on file. The debt does not explain what services are delinquent in payment ( s ).

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 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
My husband list his job due to covid. He was laid off because his XXXX  had to close down. I called US bank because I saw that mortgages through XXXX XXXX or XXXX XXXX were allowing banks to let homeowners defer payments up to 12 months. I also saw where many banks were allowing you to add the missed payments to the end of the mortgage. 

I called US bank twice thinking the first person I got was wrong. I called on XX/XX/XXXX and XX/XX/XXXX inquiring about covid assistance. The only option they gave me was to put my loan in a three month forbearance but said the entire amount would be due once the three months was up. I said that doesnt help at all because my husband is now jobless. We arent going to magically have thousands of dollars in three months. I said Ive heard other banks are allowing you to tack the extra payments on to the back end of the loan. They said they werent doing that. I said this is not assisting us at all. They said that was my only option for assistance. As I said, I spoke to two different agents on two different days and they both said the same thing. I dont think its right that the banks get help during this time but do not extend the same help to their customers. Weve never been late or missed a single mortgage payment.

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 2020-04-02 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: TX

Complaint narrative:
I have item that on my credit report and i unable to upload the FTC report on experian credit file im getting a error messages on there end and im need some assitance and cant get hold of experian i have one fraudlent account that on my credit file i need to remove and blocked which is XXXX   XXXX and im uploading a FTC report to send off to the experian.

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 2020-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX at XXXX  school. Someone opened a card with a XXXX line of credit when I was just a XXXX. I disputed it 100 times and no one wants to help 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 2020-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had contacted Citi Bank on XX/XX/2020 to close my Citi XXXX account ending in XXXX and on the same day I had them close my regular Citi checking and savings account which they did. I told the man I spoke with that I wanted to close all three accounts and he assured me they would definitely be closed. The individual for whatever reason didn't close the Citi XXXX account and now they have charged me a $ XXXX  monthly service fee and show the account as overdrawn. The account was already at a XXXX  balance which is why I called in the first place to close the account. There is absolutely no reason for this fee since I made the big effort to call and close the account and I had to wait for over an hour on the phone.

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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
First and foremost, I know in lieu of the corona virus we are all facing difficult & trying times. The Banks are closed and business can only be conducted through atm or direct deposit. Which is a good move and I am totally fine with the Govenors decision. 
On XX/XX/2020 I deposited a check in the amount of {$2700.00} at the Atm on XXXX XXXX in XXXX, PA. 
The amount came out of my husbands XXXX account the next day. 
Yet for the past week when I go on line the funds are on hold. I called the bank, 40 minute hold time. I drove down to the branch yesterday XX/XX/XXXX,. I asked to speak to the manager the time was XXXX he was kirt, sny and very condencending. I was gravely insulted. not to mention, I have a history a XXXX XXXX XXXX. I was so upset I was worried for my life. 
He mentioned I may have a history with the bank.I do have a history of banking with TD bank for 18 years with no problems. The manager was a male who would not give me his name. I was at the drive through. ( corona virus mandates ). The manager was very unprofessional and upon my visit with proof the funds had cleared, This whole situation should have been avoided. 
Please do not hesitate to contact me with any questions or concerns regarding this matter. Thank you for your time and consideration regarding this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1 ) I have tried to keep a great fico of 780-815 since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible?

2 ) I just got a XXXX CC XX/XX/XXXX ; along with the card Is a transunion credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from Transunion they go from 774-798. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX ; back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental

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 2020-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX  XXXX  at XXXX  XXXX. Someone opened a card with a XXXX line of credit when I was just a student. I disputed it 100 times and no one wants to help 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 2020-04-02 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a car in my name that I co-signed. The car was repossessed. 

The Accoint went to a collection agency called XXXX XXXX XXXX Everything was paid but it doesnt reflect on my credit report and they refuse to help me fix and update things. 

This was the person who collected payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ph. XXXX Fax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-04-02 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Yesterday I received notice that my state tax return was being intercepted by the group Linebarger, Goggan, Blair, & Sampson LLP.

I did receive notice of intent to intercept filing from same firm in XXXX, but as they provided no information on what this supposed debt concerned and I was not aware of owing anything, the next day I sent them the attached debt validation letter by certified mail to all three addresses present on the correspondence. I was careful to preserve records of my attempts to verify this debt, including keeping a copy of the letter + my individual efforts to verify the debt, and receipts for the certified mail. For the two letters sent to XXXX XXXX addresses, I received the signed domestic return receipts back ; for the XXXX XXXX office I did not, but the tracking number confirms delivery. 

I never received any reply whatsoever to my request for verification nor any further correspondence from LGBS, so I was quite surprised to receive the notice from the Tax Board. I was under the impression that by law, if the debtor can not offer any evidence that the debt is valid within thirty days, they must cease collection efforts. It appears to me that Linebarger Goggan Blair & Sampson LLP have violated 15 U.S.C 1692k.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On or about XX/XX/2020, I got a XXXX late payment on all 3 credit reporting bureaus from XXXX XXXX  XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police 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 2020-04-02 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 discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police 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 non-monetary relief