vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Banana Republic Credit Card managed by Synchrony Bank advertised the following regarding disputing a claim:"We'll investigate and respond within two billing cycles.Within 2 Billing CyclesOnce we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry."Mid-XX/XX/2019 I submitted a claim to Synchrony Bank to dispute a recurring charge which was not authorized by me.  I requested these charges to be credited and disputed being as the merchant could not be reached directly to dispute the charge.  Synchrony Bank opened a claim and advised that it would take "60-90 days" to resolve and see a credit on my account, already false and misleading as their website states cases are resolved in no more than 60 days.While the matter was being reviewed by the bank, I was able to reach the merchant and arrange to return any items that were shipped, unused, and clear any liability with the company.  When speaking to the merchant on the phone they stated they would issue a credit to the account, but because I had disputed it directly with the credit card company they advised that the charges would be reversed by the company within the stated time.XX/XX/2019, after nearly 90 days from the time of filing I reached out to Synchrony Bank to request a status update and they advised they are unaware why the claim has not yet been resolved and would issue a request to follow-up and have someone call me.XX/XX/2019 I called Synchrony Bank again to check on the status of the claim and advised they have no apparent reason why the claim remains unresolved.  Reps advised they will issue another claim request and it should take another 60 days to resolve.  In the meantime, they did not credit my account, as their website states they would, continue to charge me interest on the purchase, and falsely advertise that disputes are resolved in "no later than two billing cycles."Synchrony Bank FALSELY ADVERTISES HOW THEY HANDLE DISPUTED CHARGES, FALSELY ADVERTISES THE MAXIMUM TIME WITHIN WHICH THEY RESOLVE DISPUTES, AND FRAUDULENTLY CONTINUES TO CHARGE INTEREST ON DISPUTED CHARGES.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: MS

Complaint narrative:
The following accounts that are listed on my credit report are fraudulent.  I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX opened on XX/XX/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 2019-08-19 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: MD

Complaint narrative:
All the three credit reporting agencies , XXXX, XXXX and Trans Union have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

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 2019-08-19 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: MD

Complaint narrative:
All the three credit reporting agencies , Equifax, XXXX  and XXXX XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: MD

Complaint narrative:
All the three credit reporting agencies , XXXX, Experian and XXXX  XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

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 2019-08-19 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: NC

Complaint narrative:
I tried to sign up for a free service with transunion but had multiple problems with the website.  Today (XX/XX/XXXX) saw a charge of XXXX on my credit card with no trial period or anything.  Tried continuous times to log into the website but nothing seems to work and they are refusing to give a refund.

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 2019-08-19 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: PA

Complaint narrative:
Fraudulent account in my name stolen identity XXXX XXXX Open XX/XX/18Amount 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 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $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 2019-08-19 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: MS

Complaint narrative:
The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened on XX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  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 2019-08-19 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: AES/PHEAA
State: MD

Complaint narrative:
Yes I contacted the feldloan today XX/XX/2019 and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the XXXX. I am calling many time but nobody answered.. the only I need they check that information and remove that
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
WE REPORTED UNAUTHORIZED CHARGE (FRAUD) TO CHASE MARRIOTT VISA FOR A TRANSACTION SHOWN ON THE MONTHLY STATEMENT.  IT WAS $XXXX  CHARGED BY XXXX XXXX ON XX/XX/2019.  HOWEVER, WE DID NOT AUTHORIZE THIS CHARGE NOR HAVE ANY KNOWLEDGE ABOUT WHO THIS MERCHANT IS.  THE TRANSACTION HAPPENED DURING OUR TWO-WEEK TRIP IN XXXX BACK IN XX/XX/2019.  MANY SMALL SHOPS / RESTAURANTS HAD POSSESSION OF OUR CARD, AND THE CARD WAS OUT OF OUR SIGHT MANY TIMES WHEN THE MERCHANTS BROUGHT IT TO CARD READER IN A DIFFERENT ROOM. CHASE CLAIMS THAT XXXX XXXX CHARGED $XXXX VIA THE NEW CHIP ON OUR CARD, THEREFORE, CHASE DECLINES OUR CLAIM ABOUT THIS UNAUTHORIZED TRANSACTION AS FRAUD.  WHEN ASKED CHASE IF THE MERCHANT WOULD PROVIDE OUR SIGNATURE AS PROOF, THE REQUEST WAS DECLINED AS CHASE STATED THAT THIS WAS NO LONGER NECESSARY WHEN TRANSACTION OCCURRED WITH THE NEW CHIP ON CARD FEATURE. AS A CONSUMER, WE BELIEVE CHASE IS USING THE NEW CHIP ON CARD FEATURE TO VOID ITS PROTECTION LIABILITY AGAINST CREDIT CARD FRAUD. CHASE FAILS TO FULFILL ITS RESPONSIBILITY TO CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX  day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX  website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit.  I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards.  I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.

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 2019-08-19 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 Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud

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 2019-08-19 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:
I Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: MS

Complaint narrative:
The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX / XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX XXXX, $XXXX, opened onXX/XX/XXXX.  XXXX XXXX $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  The above referenced accounts are on my credit file without my knowledge or consent.  Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last reported: XX/XX/19 in the amount of $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 2019-08-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX   XX/XX/2019XXXX XXXX XX/XX/2019XXXX XX/XX/2019XXXX  XX/XX/2019XXXX XX/XX/2019XXXX XX/XX/2019 These are showing up on allThree credit companiesEquifaxXXXX XXXX XX/XX/2019XXXX XXXX XXXXt XX/XX/2019XXXX XXXX XX/XX/2019XXXX. JXX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX XXXX  XX/XX/2019XXXX XXXX   XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank refused to accept my dispute of $XXXX  dollars for an ATM transaction. They went ahead and reversed the credit previously issued. When I asked them to provide paperwork to substantiate their investigation, they retaliated and did not like it and decided to close my account. So far I have not received any paperwork on how they came about to their conclusion that the ATM transaction was valid. I never got the cash and disputed the transaction. I have been with Ally bank for more than 10 years and I have never complained to them or had many disputes. I believe Ally bank did not have any paperwork to provide and instead decided to close my account without an explanation. I believe Ally bank is not providing proper banking rules and should be fined. Today I received a letter to my surprise that my account would be closing on XX/XX/XXXX. I have started withdrawing my funds of almost XXXX to avoid any issues but would like this bank to be fined or investigated. For a simple $XXXX dollar dispute that they could not come up with an explanation they decided it was best to let me go and did not provide any documentation that there investigation was valid. I think they are lying and don't have nothing to provide and instead committing fraud and breaking the rules of the banking industry. They were trying to kick me out and silence me without saying nothing. But now they will have to give an explanation of what happened and why they decided to close my account. Also something I would like to add is that this bank lowered their interest rates where it used to be at 2.20% and now I believe is 1.9% and I did get notified until months later. They don't follow proper procedures. I called them and asked them what their rate was one day and to my surprise it had gone down. I had an issue also with this bank in XX/XX/XXXX when they also refused to honor my dispute and delayed the process for 6 months until I complained. This bank does not follow proper rules. I have copies of all correspondence for your information as evidence. I will provide copies of paperwork at a later date to give me time to gather them.

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 2019-08-19 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: MS

Complaint narrative:
The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened onXX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I noticed my credit report had several inaccuracies including the spelling of my name. I had disputed with Experian a  bankruptcy. Experian said no changes will be made. I notified Experian as asked what  method of verification do this use they advise me XXXX XXXX. My XXXX XXXX report has a freeze for security purposes it’s no way they could have be able to do a accurate investigation concerning my dispute.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This is a collection company many of several that are representing XXXX, XXXX XXXX that I have disputed on several instances. XXXX will remove for about 2 months and it will reappear with another collection agency listed but same debit. I have not received any supporting documentation from the provider with proof that this is my debt. I have however submitted documentation to XXXX via cerfitied mail with my ID, SS card and proof of residence. Each time a different collection agency appears on my credit report its under a another name and is extended for another seven years. I'm not sure what else I need to prove?  Listed below is the last company that was added. This account was not opened on this date it is actually the date that it was readded to my credit report. Any assistance you could give would be greatly appreciated.This was the first collection agency that was disputed. Account # − XXXX  XXXX XXXX XX/XX/XXXX.  Same debt collector with XXXX and now it is  I C System showing that it was opened XX/XX/XXXX $XXXXoriginal creditor: 11 XXXX XXXX and will remain on my report until XX/XX/XXXX. I was under the impression that the statue of limitations was 7-10 years. Each time that I have disputed the bill that start over with a new collection company and more years.

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