vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been gathering information regarding the financial exploitation of my father with the assistance the branch manager at the XXXX Citizens Bank  location. He helped me pinpoint where my fathers money had gone. We discovered that my aunt had taken the money from his account. She did so by adding herself to his checking account ( XX/XX/2020 ) and creating her very own brand-new checking account and transferring the money to her name by way internal transfers and ATM withdraws and Debit Card purchases, liquidating my fathers account as he lay dying and XXXX  XXXX  in hospice care. By the time of his death ( XX/XX/2020 ), she had stolen approx.. {$13000.00} dollars from this dying man. The Bank states as per their policy, the only way to add a name to an excising account is to step foot into a branch. Which my father did not do and could not do. These transactions which are listed on the documents that i have attached, are fraudulent. The documents were not motorized nor were they signed on site as per their policy. I am the sole heir to the estate and my aunt says this in messages she had sent me before my fathers death. I have attached all of the documents including emails and letter between the involved parties, including a more in-depth description as to what took place. Citizens bank has ultimately responded saying they had not wrong doing in the matter. But without the unwitting complicity of the bank, none of the would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have or had a Sychrony Home credit card. When the pandemic started I continued to make payments to them as usual. Suddenly in XX/XX/2020 they marked my account closed and written off. I have never missed a payment with them ever. I could hardly believe this. Since then I have contacted them and they said their computer makes those choices. They have continued to send me statements saying I have to pay which I have been doing. This morning I realized they are charging me a high rate of interest on my account that is closed. I FEEL THIS IS UNFAIR PRACTICE AND THAT SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY. I AM SURE I AM NOT THE ONLY PERSON IN THIS SITUATION. IT IS UNFAIR AND UNWARRANTED. I AM ALSO TRYING TO FIND AN ATTORNEY FOR A CLASS ACTION LAWSUIT. I cant believe they can or are still charging me interest for this account. I pay on it monthly but what they are doing is terribly wrong. I hope you can and will do something about this company. I have seen many other complaints on the internet.

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 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America offered a {$300.00} bonus if requirements were met. They have refused to issue the {$300.00} bonus and i have spent hours on the phone with them.I have met the requirements and have gotten nowhere. Terrible company ... AVOID AVOID Account was opened XXXX 2020 ... I have direct deposited the {$4000.00} as the promotion stated and maintained it. I have my bank statements for proof if needed.

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 2020-09-07 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: WA

Complaint narrative:
Complaint is with Equifax. 

Seven hard inquiries continue to be reported on my credit report. I have sent several letters including a fraud report confirmation number, Fraud report of identity theft, and Equifax information breach report to Equifax  requesting removal of the following fraudulent hard inquiries from. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: NY

Complaint narrative:
Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my Transunion report, I saw that a  XXXX XXXX/XXXX XXXX balance had been " charged '' off. I was not aware of this account. I do have a XXXX XXXX/XXXX  XXXX XXXX which I am aware of and pay off monthly. The details of the account in question ( the one I was  unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from XXXX XXXX that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.

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 2020-09-07 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
i have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
i have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-09-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. My Direct Express card was stolen on XX/XX/XXXX and the pin number was changed, since that day I can't talk with any representative of this bank throughout the XXXX line. After been waiting for more than one hour they hang up the phone on me. Bank menu has no option to talk with costumer service. It's not the first time they delay my card for at least six months letting me on the street withouth money even after complaining in the social security twice. I'll appreciate if you take care and send me a new card as soon as posible in order to use my money the way I deserve. 

Thanks, XXXX XXXX XXXX SSecurity XXXX Adresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing adresses XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had initially filed a complaint with the CFPB on XX/XX/2020 ( complaint # XXXX ), to which the company respondedthat the {$1000.00} promotional credit will be honored withing a 90 day time-frame. 

The promotion involved depositing {$50000.00} which I had completed on XX/XX/XXXX. a 90 day period ( ended XX/XX/XXXX ) has passed. 

I am attaching a letter from CitiBusiness dated XX/XX/2020 which indicates that I have indeed met the qualifications for the promotion. To quote : " We have confirmed that your account has met the necessary requirements to qualify for promotion XXXX. Please allow 90 days from the date the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thanks for your inquiry. '' As the promised time has elapsed I have reached out to the branch manager of CitiBank at the XXXX XXXX NY location. She responded that the " back office '' is the one to issue credit but did not provide a way to contact 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 monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
during the time of all the disaster and covid-19 i was facing ahardship with financial, death in family, military service entry from XXXX to XXXX when i was XXXX XXXX due to serious XXXX XXXX, XXXX  issues and high medical bills that made my mortgage fall so far behind when i serve or aware of the foreclosure until i was in the house and XXXX sent XXXX to my property and place pad locks on the door included locks change, I tried to contact XXXX foreclosure department and didnt seem to get any responds back til 10 days later. So i was so emotional stress end up with a XXXX XXXX when i decided to apply for a loan modification got approve for only a week after i sent the payments in and never receive none of the payments back. i contact me a lawyer but couldnt afford one at the moment, i hire a realastate agency to listed my property for sale. as i listed it XXXX   wanted more money on the property more than its worth, so the buyer back away from the deal in buying the property and the realastate failed to submit documents to the banks so it expired the offer too. I have evidence of everything that occur with XXXX XXXX  and proof. Please i appreciate that you look into this matter or my attroney will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: CA

Complaint narrative:
The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. 

If after reading my letter, you decide not to REMOVE THE FOLLOWING ITEM FRO MY CREDIT REPORT, I will not hesitate one second on filing an arbitration process against your company. 

Account information : XXXX XXXX, opened date : XXXX XXXX, XXXX, closed date : XX/XX/XXXX, highest balance : {$25000.00}. 

The company has agreed to delete and is out of business. I want my financial freedom back and it is my right to have your assistance. TransUnion is the only credit bureau agency reporting this item. 

Thank you.

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 2020-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My personal credit card & 4 business cards were closed unexpectedly, w/o any prior notice.

I called and asked for someone to explain what was going on.

After weeks of waiting & no access to my cards online to pay my bills a manager called me to explain that Ill be getting a letter that will say unusual authorized user activity she the. Explained that they couldnt verify the identity of my authorized user & as a result my business cards were closed also. 

Recently, one of my authorized users got a letter in the mail stating that Bank of America is adding a name to their credit report which is completely misspelled. Its important to note that this particular user is my fianc. Thats when i put the pieces together. 

Since Bank of America was the first company i had a credit card with, its both upsetting & disappointing That they would. Make a mistake like this with out considering my history with them or properly investigating the authorized users correct identity. 

Im in the middle of recouping after months of delays due to COVID, we were in the process of renovations 4 homes when my credit cards were closed forcing me to use personal lines of credit & other banks to fund my renovations. Not to mention the thousands of dollars in reward points i earned that they confiscated as a result of their mistake. 

Id love the CFPBs help in holding them accountable and assist in re opening my accounts.

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 2020-09-07 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other 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 2020-09-07 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
General Motors is incorrectly reporting me late. These payments were made on time. I don't know how they made this mistake, but the lates need to be taken off. I have a statement that shows I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however they purposely seem to be making that proposition difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: MN

Complaint narrative:
XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other 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 2020-09-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other 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 2020-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I contacted Capital One in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
A credit card by XXXX called a XXXX XXXX was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with XXXX XXXX, XXXX, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX nor XXXX has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX collections remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.

Company response to consumer: Closed with non-monetary relief