vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am not able to access my money with Synchrony 's savings bank account to pay the mortgage and credit card bills. As an online-only bank, they have no physical branch and the only way to access funds is via transfer in/out to another financial institutions. Per the FAQ on their website, there is a maximum of 10 external account connection. I only have 3 active external account and could not add a new external account. I recently transfer my mortgage to a new Bank and need to transfer funds to the new Bank to pay my mortgage and credit card bills. I spoke with an agent and her manager and they told me because I have deleted 22 old eternal account, I have reached the system 's maximum limit of 25. I don't understand how old and deleted external account connection are still in their system and count against my ability to access funds. I have 3 active external account and should be able to add 7 more. The agent and her supervisor told me I could initiate a wire transfer to access funds but that will cost {$35.00} per request. Synchrony is creating undue barriers and obstacles for consumers to access their funds through antiquated rules and systems and forcing consumers to use high cost withdrawal methods to generate fees.

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 2020-03-09 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: GA

Complaint narrative:
I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

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 2020-03-09 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: FL

Complaint narrative:
XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Multiple gift cards were purchased on our store credit card account at Kohls. The company 's fraud department flagged the purchases as suspicious and suspended the cards. When I spoke with them and confirmed the purchases were legitimate they put me through some sort of verification process to reactivate the cards, but I apparently failed that process. Since the gift cards were not reactivated, I asked their purchases be removed from my account ( credited ). Instead of removing the charges they insist I must go to the store to have the charges removed. Why should I be inconvenienced more than I already have to get a credit back to my account for gift card purchases that were already blocked. I would actually assume that since they blocked the cards the refund to the purchase account would be automatic. Instead they are insisting I return to the store, consuming more of my time and money to resolve this. All they need do is credit the account for the purchase of the now useless and of no value gift cards. When I called them a second time and was escalated to a supervisor, they offered to attempt the verification process again to reactivate the cards, but I have already replaced the gifts and the cards are no longer wanted as gifts. I told them I don't want the card reactivated. I just want the account credited. Simple. They again held that I must go to the store to gain a credit. WHY? This makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2020-03-09 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:
I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/XXXX in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with XXXX  is on automatic payment however somehow this account was not.It appears that XXXX had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. XXXX allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked XXXX to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. XXXX will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.

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 2020-03-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
My account went into the negative the day following XX/XX/XXXX following XXXX XXXX XXXX. US Bank sent me an alert at XXXX XXXX  that my account was at - {$9.00}. Upon seeing the alert I transferred {$110.00} from my savings account into checking. The following day four overdraft fees from the weekend posted bringing my account back into the negative. Having assumed these fees would not post I paid my gas bill, and got lunch on XX/XX/XXXX which incurred two more overdraft fees. I believed it was a processing error since I had the funds to cover my purchases, and that it would be fixed. 

When it was not fixed by Friday XX/XX/XXXX, I called customer service and attempted to get the fees reversed. I was informed that my transfer from savings did not post until end of business, unfortunately I do not have any receipt of when the transfer was made. I had to call three times, as twice my call was dropped when I tried to speak with management. 

I'm extremely disappointed in the complete lack of service or flexibility. I would like to close my account but browsing complaints here, am afraid I will be charged fees for 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
Consumer complaint received 2020-03-09 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:
I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

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 2020-03-09 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:
I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CORELOGIC INC
State: OH

Complaint narrative:
I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH 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 2020-03-09 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
Sometime late XX/XX/XXXX, I received a bill from a collection agency by the name of Hiday & Ricke , P.A . Stating I owed them XXXX. They claimed it was a Debt for a credit union account. On XX/XX/XXXX. I sent them a debt validation letter which they never returned to me. The thirty day time frame has lapsed and they are still harassing me and even served my Grandmother- in-law court papers which is ( ILLEGAL )!!!! I'm planning to counter sue them in court. Luckily we have camera 's on our house to prove it. 
I want people to know this is a debt collection company and you don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine 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  XXXX/XXXX XXXX XXXX   XXXX XXXX. I have contact the FTC and local police.

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 2020-03-09 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: TX

Complaint narrative:
I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened up a savings and checking account with Citizens Bank that had a promotional bonus of {$600.00}, which they have not paid me, even though I have met the terms of the promotion. I clicked through a marketing landing page on their website. This was the link I clicked : https : XXXX XXXX XXXX XXXX. I will attach a PDF of the promotional landing page that I saved with the terms and link that I followed. I will also attach a screenshot of one of the pages of the application. 

The terms : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' XX/XX/XXXX : Open One Deposit Savings Account with initial deposit of {$15000.00}. 
XX/XX/XXXX : Open One Deposit Checking Account with initial deposit of {$100.00}. 
XX/XX/XXXX : Direct deposit into One Deposit Checking account for {$500.00} from my employer. 
XX/XX/XXXX - today : Maintained the minimum {$15000.00} on deposit in the savings account. 
XX/XX/XXXX : Reach out to Citizens Bank about {$600.00} bonus as the window in which I should have received the bonus was before XX/XX/XXXX. 
XX/XX/XXXX : Citizens Bank says they have no record of the promotion being on my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I had a collections placed on my credit report on XX/XX/XXXX. The collections account was placed by Southwest Credit Systems. It states that the original creditor is XXXX. I contacted Southwest Credit Systems by phone, without admitting liability to the debt, or making a payment, they disclosed that the original date of delinquency was XX/XX/XXXX and that the debt was time barred as of XX/XX/XXXX. I plan on sending CFPB form letters to get this information in writing. My concern is that they may be attempting to re-age the debt by placing it on my credit report for XX/XX/XXXX.

Company response to consumer: Closed with explanation