vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with 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 2021-04-02 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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I walked into Chase Bank on XXXX XXXX XXXX in XXXX XXXX, CA and deposited a check into my checking account in the amount of {$5000.00} from State of California XXXX XXXX. After depositing the check I asked the teller when would my funds be made available and was told within 24 hours. The next day on XX/XX/XXXX, I called to inquire about the hold on the check that was deposited on XX/XX/XXXX and was told that I would be able to access my funds on XX/XX/XXXX. This morning when I called once again asking about the release of the check the treatment I experienced was rude, condescending, and demoralizing. I am now being told that I would be lucky if I receive access to my funds by the end of next week. I explained that this check is for my Workers Compensation and that I will not start receiving my CA XXXX XXXX checks until next week and that I am in desperate need of food and have to pay my rent. Unfortunately, the staff that I spoke to at Chase Bank were cold and demeaning instead of understanding and did not try to find or offer resolutions. This country is still in the middle of a pandemic and people are struggling financially and I am one of those people. I am permanently XXXX due to a horrific workplace injury and struggle with XXXX and XX/XX/XXXX as a result. Had I known that my depositing a check from the State of California into my personal checking account would not only further increase my my XXXX andXX/XX/XXXXbut also lead to me starving and not being able to pay rent, I would have resorted to paying exorbitant fees to a check cashing business. Please assist me with accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Application ID XXXX Ckg Acct XXXX Savings Acct XXXX In XXXX XXXX, I applied for a Citizens Bank {$600.00} bonus offer consisting of {$300.00} for a checking account, {$200.00} for a savings and {$100.00} for opening both on the same day, which I did. All other requirements were also met. A few days after opening, I noticed the savings account wasn't showing online when I logged in. I called Citizens and was told there was some sort of glitch on their end and was assured it would be corrected and that the accounts would both show the same opening date.

Six months later I still have only received {$300.00} for the checking account. I was told I didn't qualify for the {$200.00} savings account bonus or the {$100.00} for opening both accounts at the same time because they showed the savings being opened later than the checking, contrary to what they told me in XXXX. Nevertheless, there is still no reason for the {$200.00} savings account bonus not being paid. 

Per their terms, the full bonus should have been paid by XX/XX/XXXX. Numerous messages and phone calls to the bank have produced no results. I have attached documentation proving that all qualifying activities were met and the full bonus should have been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
i have had a paypal account for years and never had issue with accessing my account. now paypal is demanding a cell phone and number or i can not access my account online. the issue is i do not have one to give them and i do not see the need to buy a phone and service to access the account which is rarely done. most companies use an email or a phone call to verify it is me. i have a landline which is on the account and i have an email which is on the account but they refuse to use them so i am locked out. 
i am XXXX years old and have issue with touch screens as i have low capacitance in my body so the screens do not work well. i use a computer and keyboard.

the so called cell phone is also a security breach so it really is not any better as sims can be copied and hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi My name is XXXX XXXX, I am having problem with care Credit, I am being charged for things I did not authorize, I owe them {$1400.00} this is the latest amount, it seems no matter how much payments I make, my loan does not come down, i was charged {$23.00} for Credit card Insurince, which I did not know or was told about, Finance charged {$12.00} on XX/XX/2021 both on XX/XX/2021,

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 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The debt collector in question is : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX I called to address multiple outstanding invoices, because I am trying to repair my credit. The representative on the phone took my information. He took my credit card ; he didn't explain that he was " settling '' the debt instead of paying it in full. 

The creditor marked the account ( s ) as " settled '' and there is now no way to remove them from credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via Credit card and bank transfer, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank, issuing bank for Sam 's Club, issued me a card with {$4000.00} limit. The first monthly payment I made to them was returned by them to my bank without notice or explanation. I became aware of it after receiving a late notice, called Synchrony twice, and was told they didn't know why, just resend the payment. 
I received a notice from them that they were lowering the credit limit to {$430.00} because of unfavorable information on XX/XX/XXXX. I pulled my credit report and there is no unfavorable information there. I wrote them a letter to which they replied again that it was due to the credit report. I requested that they correct the error and reinstate the limit. 
They have sent me a form asking for all Annual Net Income from all sources and told me to submit that with reason why I am making the request. 
I have been notified by other credit reporting that there has been " a change '' in my FICO score. It appears that Synchrony has requested my credit three times in the last 2 months.

I have another card with Synchrony from Lowes which they could have checked at any time but failed to do so. I want Synchrony to close the Sam 's Card and remove all negative actions or comments

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 2021-04-02 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
Continental XXXX : reported a charge off. On my account at 120 days. But wasn't suppose to close account until 150 day. I called and paid account which rep. Didn't tell me the account was close. And if i pay my card will be ready for use. The next day i called to try to get late forgiveness to remove late payments to my credit report. The rep told me it was charged off. So i reported it to the bbb. And the supervisor listened to the recording of me and rep. So they decided to remove the charge off and reverse my account from charge off back to open and paid. Not report a new account. That dropped my score 70 something points for a new a account and the charge off is still reported. On my credit report and when i disputed it. It came back as change off with experian. Even though it has been reversed

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 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WA

Complaint narrative:
I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: AZ

Complaint narrative:
XX/XX/XXXX; Experian and XX/XX/XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Experian and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. XX/XX/XXXX and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XX/XX/XXXX XXXX. Experian shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XX/XX/XXXXshows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a capital one bank client for 15 years.. I have business and personal checking, savings and credit card accounts. One XX/XX/2021 I received notice that my Capital one personal and business credit cards has been closed, which was 5 in total. I contacted them serval times and was told that my account was closed first because of a return payment which when the customer service rep reviewed all my accounts he found out that wasnt true, then i was told the reasons for the accounts being closed would be mailed to me. I called again the I was told they where being closed because of activity with capital one or another bank account which they could never tell a specific reason why and then i was told the department that closed the account cant be contacted and there was no contact information for that department. All my accounts was in good standing and never made any late payments. I truly believe its some form of discrimination which is why i was never given a specific reason. Attached are the 5 letters they sent me of the 5 accounts they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CO

Complaint narrative:
XX/XX/XXXXExperian and XX/XX/XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.

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 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I had phone and internet service with XXXXXXXX XXXX XXXX in Michigan. The service was disconnected in XXXX. I applied for and established new service with the same company in XXXX or XXXX. There was no discussion of a past due bill or collection. I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. XXXX XXXX XXXXXXXX was sold to XXXX. 

In XXXX, I received a collection notice. I called XXXX and asked for proof they tried to collect an unpaid balance. They did not have proof. I asked for past bills ranging from XXXX XX/XX/XXXX, they state they did not have any. I asked for any proofs regarding this action, they said their system did not go back that far. 

The collection agency said they did not have any proofs other than what they were told be XXXX. They have posted a negative item to my XXXX credit report. 

Why didn't XXXX issue a final bill? collection notice? Why let me establish new service if I owed a past due amount? Why didn't XXXX notify me of the debt right away? Why doesn't anyone have proof of this debt? If I was aware of a legitimate debt I would have included it in my Chapter XXXX filing. Can they just bypass a reasonable attempt to collect and just go straight to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
A hard inquiry appeared on my credit report from Citibank Na, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XX/XX/XXXX reports but still remains on XX/XX/XXXX. I've since put a 7 freeze on for all the credit bureaus. I contacted Citibank, Na, waymc again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/XX/XX/XXXXand reached back out to Citibank again to request this removal. There was no change. I submitted section 609 letter XX/XX/XXXXsent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted XX/XX/XXXX and they have my documents on file but state the were not able to remove from my report due to the letters from Citibank were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was checking my credit alert to make sure the freeze was still active when I find out the Citi bank authorize a credit card in my name with informing me was it my account., one card was target store credit other was sear credit card in XX/XX/XXXX I live inXX/XX/XXXX and car loan I do n't drive am was a victim of a major bleach and identity thief access my personal information to dteal inonly have one card and never applied for any credit there was a organization I once attend call housing work that I believe s this fraud started the CEO a thief and by I never trust by him he deal with organized criminal and cyber hacker he no trustee of my no lawyer and time many court case against him I never give over any power of attorney and don't do charity fraudulent covid charity may be at I don't do charity and ask for a full investigation I live in public housing program and s place were people who known for cyber crimes tenent that not resident of the building ilegel renting to people be that do crime against citizen and s car jacking ring reporting this because safety and Americans right I defend.and if it take stop thief I will am a victim of a crime, and cyber stalking.

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