vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited XXXX on XX/XX/2019 and was told that my funds would be available on XX/XX/2019 on the deposit slip with plenty of disclaimers. 
As of this morning XX/XX/2019 my funds were unavailable. The above mentioned check cleared the account it was drawn upon on XX/XX/2019. This is verified. 
I have bills to pay on time in order to keep up my credit rating and when I personally tried to talk to an employee of Chase I was told that the funds would not be available until XX/XX/XXXX. 
After sitting at the bank for XXXX minutes to no avail then next talking on the phone with Chase for almost XXXX minutes my funds were finally released. 
Can a bank legally hold funds for 9 days as they did today or worse for 13 days as they tried to do today? 
I have been a Chase customer for over 25 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
Company calling me asking for personal information in my biz Been a victim of if theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: IL

Complaint narrative:
XXXX XXXX lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.

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 2019-12-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello on XX/XX/XXXX, I've got 4 fraud transactions on my Citi double cash card. 

1. Home Depot ( XXXX ) {$600.00} 2. Home Depot ( XXXX XXXX XXXX ) {$160.00} 3. Home Depot ( XXXX ) {$110.00} 4. Exxon Mobil ( XXXX ) {$44.00} total fraud transaction {$910.00} Right after I've received a text message that Citibank sent me about the transactions, I've made a call to the fraud department to stop paying them because it wasn't me. 
Fraud department told me they will stop the card and issue me new card. 
however, although new card came to me, Citibank did not credit me for the fraud amount until XX/XX/XXXX. 

on XX/XX/XXXX, I've received a letter from Citibank stating that EMV chip was used to make disputed transactions.so they don't consider this fraudulent activity. 

next day I've contacted fraud department and explained again to XXXX who was the representative in fraud department. 
she told me there will be another investigation for my case also she asked me to send an email to fraud department with the evidence ( supporting document ) we've found while having a conversations on the phone. 

after weeks from the letter, XX/XX/XXXX today, I've called them again because my Citi account still showed the fraud transactions balance on it. 
while talking to the representative from fraud department, I've noticed that no one in the department looked at my case. 
representative from XX/XX/XXXX promised me for the new investigation because we both realized how I got fraud transactions. XXXX fraudulent requested replacement card from my account and used it to pay with the EMV chip reader ) which means more than proper reason to re-investigate the case. 
however, representative from today was repeating my case is closed Citibank will not investigate any further unless customer investigate on their own and bring new evidence. 
I've asked the fraud department several times to help my situation in good faith, but answer was the same. Fraud department will not help the customer unless customer brings the evidence to prove themselves innocent.

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 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a notice Transworld Systems on XX/XX/XXXX stating that they were trying to collect a debt for XXXX XXXX XXXX XXXX. I disputed the debt via US mail on XX/XX/XXXX but and called XXXX XXXX XXXX as well to verify what the actual charges were made up of and once I got clarification I went into the XXXX store on XX/XX/XXXX at XXXX where I was assisted by the Manager ( XXXX ) and made a payment in full for {$320.00} using my debit card and I was given a receipt. 
On XX/XX/XXXX, XXXX added a collection for {$320.00} for XXXX XXXX XXXX to my XXXX credit report and my score dropped XXXX points. I sent a dispute letter via US certified mail to Transworld disputing this debt and informed of the damages that they did to my credit as a result of false reporting and asked for the collection to be deleted and my credit points restored but never received any communication/response from Trans World. 
On XX/XX/XXXX, TransWorld added another collection for {$320.00} to my XXXX XXXX credit report and it dropped XXXX points. I called XXXX XXXX XXXX  and reported the issue but was told by a male staff on the phone that I had no balance on my account and to seek resolution from Transworld. 
On XX/XX/XXXX, Transworld added a collection for {$320.00} to my XXXX credit report further damaging my credit and leading to several denials for credit for both personal loans and credit card. This time I went back to the XXXX store and spoke to XXXX ( Store Manager ) directly, she called the customer service/billing department but was told there was nothing XXXX XXXX XXXX could do to resolve my issue/concerns as my account had a XXXX balance and they don't know why TransWorld would be trying to collect a debt that was already paid. 
Again on XX/XX/XXXX. TransWorld again added an unpaid collection for {$320.00} for XXXX XXXX XXXX to my XXXX  report and till this very day and continue to damage my credit. TRANSWORLD is so deceitful, unprofessional and have violated the fair credit reporting laws on multiple occasions and still continue to do so by falsely reporting on my credit report and trying to collect a debt that isn't owed and they need to pay restitution for damaging my credit. 
I disputed this debt with the credit bureau but they keep saying that Transworld systems keeps verifying the debt as actual debt. How can that be when XXXX XXXX XXXX were paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: PA

Complaint narrative:
Someone tried to apply for a XXXX pay later account in my name disputed it but wont give me no information says to contact XXXX number but doesnt connect to anyone and when I did talk to someone asked me questions that didnt apply to me I answered correctly but told me I didn't wouldnt give me any information, and score dropped substantially for no reason at all I have been working on fixing my credit and my score is dropping from this person and credit bureau nothing has changed on my credit for it to drop for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint narrative:
XXXX was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. XXXX was used as XXXX or XXXX. 
I wanted to borrow {$260.00} credit from XXXX to deposit in my XXXX checking account. 
Unfortunately I did not realize I had it set up for XXXX to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called XXXX to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay XXXX and charge me, the investigation would take 10 days. 
I did not get charged for it. My XXXX was negative {$260.00} from the canceled transaction. I called to ask XXXX how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a XXXX account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off XXXX upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read XXXX has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.

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 2019-12-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charged a Bank of America credit card in my name that I never received and never activated and never authorized and is now also charging me late 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 monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
last month I file a fraud charge to my credit card company about the charge, the fraud department said that they will take care everything to me but on this month they charge me another interest I call them and they said that because the purchase I said the payment I pay is enough to cover but they said that's no way they can do and the fraud department guy name XXXX yield on me say they won't do anything for me made me so up sad.

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 2019-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
account is closed and they have charged it off which should then be reported as a XXXX balance on my credit report and they continue to show it as a active delinquent account with an outstanding balance of {$420.00}. When using a credit monitoring service through XXXX to dispute this error the creditor has only updated the info as if the lingering balance is correct, and it's not. In addition they have recently sold the account to a collector, and now even further my request to have the balance updated should be honored, and they still refused to show that the account has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. PayPal was used as Venmo or XXXX. 
I wanted to borrow {$260.00} credit from PayPal to deposit in my XXXX  checking account. 
Unfortunately I did not realize I had it set up for PayPal to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called PayPal to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay PayPal and charge me, the investigation would take 10 days. 
I did not get charged for it. My PayPal was negative {$260.00} from the canceled transaction. I called to ask PayPal how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a PayPal account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off PayPal upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read PayPal has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX I have had an account with Macy 's Credit Card Services.  The card # is XXXX and the security code on the card is XXXX. I have called Macy 's credit services to notify them that they are not report my account on my credit report, and I have also made charges on my account that does not reflect the information online. Their online website information is not correct and does not match the balance that I have. For some reason, they are not able to add my new card on file and that is why I think they are not able to report this information to the credit bureau 's. When I call the number on the back of the card to check my balance, it is different than the balance that shows on my account online. I just recently made transactions online and it shows that I have purchased products, but the information does not reflect or equal to the correct balance online. I have asked Macy 's in writing to please correct this and to report the information correctly to the credit bureaus and they have failed to do this for 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 non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX attempted to receive annual credit report from TransUnion. I was charged {$29.00} for this ( can't remember if I even got the report at the end. Just remember getting frustrated at one point. ) However, was also charged a {$19.00} recurring fee that I didn't notice until XX/XX/XXXX. Apparently this was their credit monitoring service. However, I never received any E-Mails regarding credit monitoring or receipts. I applied for multiple credit cards and a mortgage during this time and received no notification from TransUnion. I only started receiving notifications once I called to cancel the service and was denied a refund despite never having the intention of buying the service. Total I ended up paying was {$150.00} not including the {$29.00} charge. This is a dishonest practice by TransUnion and I will never be doing business with them again.

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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Company robocall almost everyday and never leaves message. My number is on Do not call registry. I inform them of that and add them to call rejection. I also informed them everything needs to be in handwritten mail and not to call again.

Have asked several time. They also tries to pretend by changing numbers they call from.

I also do not owe the debt they are speaking of. If I do owe it then they need to send the original creditor billing.

They have also abused reporting these debt to my credit report causing it to sink credit score significantly by double or tripple reporting on one item. XXXX  tactic.

All of these violates the law.

Company response to consumer: Closed with non-monetary relief