vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: SC

Complaint narrative:
I opened a XXXX XXXX account on or around XX/XX/XXXX. Since opening I made 100 % payments on time, including my {$7.00} balance that was left after they closed my account upon an " investigation '' that I was never made aware of. This happened twice. Once in XX/XX/XXXX, next in XX/XX/XXXX. Causing my credit score to plummet some 60+ points. ( along with a derogatory remark, which was also there fault ) I spoke with several people from XXXX  XXXX to # 1, express that I did not report a fraudulent account opening to Transunion and also, if that was reported, why wasn't I notified of it immediately. After already making negative remarks and closing my account, they then asked for me to send in proof of it being me. ( which I only did to be able to move forward with further options later, if this isn't settled ) So, I continued with the dispute process with Transuion. Detailing of what happened. A rep from Transuion verified that they also didn't see a statement from me and sent me my credit report, showing they still had me " in good standing. '' I reported that information back to XXXX XXXX. It wasn't until XX/XX/XXXX, while looking on my credit report that I saw that Transunion did indeed approve the false information that they had reported.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the companies transunion and XXXX  are showing my adverse information without my consent, harming me for the acquisition of services or goods

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 2021-04-28 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: IL

Complaint narrative:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. 
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank Amazon Visa credit card is notorious for having an abusrd short billing cycle - the time period between when they issue their monthly bill and the due date. In the process, they constantly unfairly assess late fees {$27.00} and interest charges ( not certain of the rate, but both charges are excessive ). 

Further, Synchrony bank poorly trains their customer service representatives so poorly in their XXXX call center that USA  customers have to request to be transferred to USA call center to settle their problems. 

However, in my case, the USA representative, although more literate than the XXXX call representative, was completely inept in the property process of how to recalculate my correct balance due and instead of quoting my off the current most recent billing statement ( sent back on XX/XX/21 ), quoted me the current balance for charges on the account through today XXXXaskikng me to pay the entire balance. 

I have a superiod credit rating, have never missed a payment before with Synchrony bank and only missed the XXXX billing ( due XX/XX/21 ), becuase they never sent it via ebill to XXXX XXXX XXXX XXXXXXXX bill pay ( NOT MY PROBLEM ). And now, they want to not only be paid for their XXXX billing too ( due XX/XX/21 ) but also any charges since XX/XX/21?? Today 's date is only XX/XX/21. 

I requested the representative to provide a complete recording of my phone call with her to her XXXX and have them call me. They'll never call. Good luck if you can find a recording of the call yourself if you inquire from the CFPB.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had four unauthorized withdrawals from my checking account from 2 entities, totaling several XXXX dollars, on XX/XX/XXXX, which emptied my account, made my rent check bounce, incurred fees, and caused other emergencies. On another occasion, an obviously faked check was posted to my account. 

Customer service has provided wildly conflicting information, and refuses to provide a partial credit, or progress report. Now they say it may take 60 days to investigate an XXXX cent charge that hasn't cleared. 

The bank 's poor service and security are effectively punishing me for lapses on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Radius Global Solutions. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, XXXX : As was announced on XX/XX/XXXX, XXXX  is one of several institutions targeted by a nationwide cyber attack on XXXX XXXX XXXX XXXX ( XXXX  ), a vendor service used for transferring sensitive information. This attack has affected approximately 300 organizations, including universities, government institutions and private companies. In this incident the perpetrators gained access to files and confidential personal information by exploiting a vulnerability in XXXX program. At this time, we believe the stolen information includes but is not limited to names, birth dates, SOCIAL SECURITY NUBMERS and bank account information. The attackers are threatening to publish, or have published, stolen information on the dark web in an attempt to extort organizations and individuals. 

I think not only my social was messed with ( ie. im dead per my social ) and have had my debit card number stolen.

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a phone call that has been deemed fraudulent, XXXX, indicating that there has been a suspect charge made to my credit card, Chase/AMAZON card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP
State: MN

Complaint narrative:
My wife was called by a blocked number and was told that We needed to call XXXX due to this person trying to serve lawsuit paperwork and it was returned. I was given an account number that appears to be fake. When I called, they said they were suing me for a US BANK account that I owed on. I replied with, '' I have never had a US Bank checking account ''. They then stated they had proof of me walking into a US Bank XXXX in XXXX of 2002 ( 2002 is not a type XXXX. I replied with, " even if I would have had an account over 19 years ago ... wouldn't the statute of limitations kick in seeing as this is the first time I have ever heard about it? The person on the other end of the phone stated, " There is no statute of limitations and we will sue you for all of your assets ''. They said they would see me in court and hung up the phone. 

I then called US Bank directly and asked if I had any delinquent accounts or if I had ever had a checking/savings account with them back in 2002 and the representative said, " No, we do not show you have had an account nor any delinquencies ''. 

I tried calling the XXXX back to see if I could get more information and they had me on hold for a while and then hung up on 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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau. 

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

XXXX received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

TransUnion received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.

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 2021-04-28 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: CA

Complaint narrative:
I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau.

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

Equifax received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

XXXX  received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX by Goldman Sach auto renewed my Certificate of Deposit ( CD ) with NO NOTIFICATION received to wan me. 

I finally received a letter on XX/XX/2021, at XXXX by US Postal Service from XXXX by Goldman and opened it dated XX/XX/2021, 11 days late that my CD has been auto renewed. 

I never received any letter of notification of the CD expiring and finally got an auto renewal 11 days AFTER dated letter. SOmething is FISHY!!!! 

Contacted XXXX and 2 supervisors REFUSED to allow a cancelation waiving the penalty which XXXX claimed was over {$1100.00}. I protested saying the CD should never have been renewed if I have gotten notification and the confirmation was 11 days after this gimmick. 

XXXX is a company who does NOT care about long term customers. 

My request to be transferred to XXXX executive office was DENIED even when I advsied I was fkig a US Government complaint which XXXX Executive office would have to respond. SO the two supervisors are just the lower end bullies no allowing cooperation above their level.

SO the refusal of two supervisors to allow contact with XXXX XXXX XXXX creates MY LABOR work and a formal letter to resolve when the two uncooperative supervisors could have solved the issue and transferred the cal. XXXX si not a customer friendly internet bank especially for JUMBO accounts and long term relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Last year, I received a mailer from TD Bank that offered me a {$300.00} bonus if I opened a checking account and have {$2500.00} in direct deposits within 60 days. 

I read through all of the fine print. It starts by saying the offer " is available only to the person addressed in this mailer, '' and " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months. '' The mailer was sent in my name, and the last TD Bank checking account I had was closed in XX/XX/XXXX. I opened the new account on XX/XX/XXXX, so it was more than 12 months. Everything seemed like I was eligible for the offer. 

I completed the total of the {$2500.00} in direct deposits on XX/XX/XXXX, and waited the 140 days since account opening for the bonus to post like the mailer said, but nothing came. I reached out to TD Bank a few times and was advised, " Upon review, we found that you had previous checking account ending in XXXX which received a {$300.00} promotional bonus on XX/XX/XXXX. Please note, only one promotional bonus per customer can be applied. Promotional offers can not be combined with any other offer. '' TD Bank knew it had already paid me a bonus in the past when it made me the new offer. I find it very misleading that TD Bank would now say that I am not eligible for an offer it specifically made to me, especially after I went through meeting all of the requirements before being informed of my ineligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax commercial Information Solution has incorrect information for my company ( XXXX. ). I spoke and informed a representative from Equifax on XXXX XXXX and told him of the errors on my business report and he asked me to submit a dispute. 
I submitted the disputes ( 4 ) on XXXX XXXX, however, I have not heard anything back from Equifax. I called and email them several times with no response. This erroneous information has caused me to lose a loan that I was approved for. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.

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 2021-04-28 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: CA

Complaint narrative:
According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/XXXX I applied online for a checking account with Bank of America ( BoA ). On XX/XX/XXXX I received an approval for a checking account and a savings account. About 3 hours after the accounts were opened I linked my XXXX account and transferred {$500.00} and sometime later switched my direct deposit with my employer to BoA, both were successful. 

On XX/XX/XXXX I received a status update that BoA was unable to transfer the funds, but being unfamilar with the language of the email. I still believed my account was opened. However, when I tried to login there was no such account. 

Since I am XXXX XXXX and did not have access to a TTY line I asked my mother to assist me by calling BoA and merging the calls. We contacted BoA on XX/XX/XXXX and were told that the accounts were in the process of being closed and a cashiers check for {$500.00} was mailed on XX/XX/XXXX to the address on record. The BoA rep. said to contact the Fraud center on Monday -Friday to get additional details. On XXXX XX/XX/XXXX we contacted BoA and told that the account was closed and that I had the option of going to a local branch and presenting two forms of ID and an account might be open. 

When I contacted my employer they said it could take up to two check cycles to switch the my direct deposit back to XXXX. So currently I am out {$500.00} and potentially two pay checks. Luckily my parents are fronting my money and have already paid my rent. 

However, there is a big flaw in BoA 's system, first of all I did not receive a conditional approval, and the time stamps on the emails from BoA are not accurate as the funds transfer did take place 3 hours after the email.

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 2021-04-28 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: CA

Complaint narrative:
According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I missed an XXXX payment and got my loan caught up with my XXXX payment. Just about every month since then I have been getting escalating notices of failure to pay even though my payments are more than the minimum. I have called in several times and thought the problem would be resolved after they realized they miss credited my payments. 
The letters dont stop and become more threatening. This last letter says I am in default for {$36.00}

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