vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 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: TX

Complaint narrative:
Experian continually refuses to follow the Applicable laws put in place from the FCRA and the FCBA. I am a victim of identity theft, I have attached a FTC Identity Theft Affidavit, Which describes the crime in Detail. Experian refuses to accept the FTC Identity Theft affidavit, because they have advised that XXXX XXXX  is their " Vendor '' and that they must " Side with their Vendor '' There is a credit card account that is showing as charged off on my credit report, Which has already been reported to Experian as Identity Theft. Experian, Refuses to block this account, and say they conduct a " Investigation '' Which they don't actually conduct. The company XXXX XXXX XXXX XXXX has advised me that this credit card which was opened on XX/XX/2015. Was sent to an address of XXXX XXXX XXXX XXXX, TX XXXX. This is an address I HAVE NEVER lived at. The company closed the card and changed the card number, which then in return Experian Re added the card to my credit file. This is still identity theft. I do not know who received, and or used the card. I have reached out to XXXX XXXX XXXX many times, Their Evidence is not up to par. They state they received a receipt which the company explains I applied for the card, Yet they haven't been able to provide proof of said false accusation. I do not believe Experian is following the applicable laws to protect victims of identity theft. They sent me a letter advising me to provide a valid FTC Identity Theft Report, containing a number that is signed under perjury before they will block the account. Yet, The report I have been sending them is A VALID FTC Identity Theft Report, and IT IS signed under perjury. Again. I did not authorize this account to be open, and you continually add it to my credit file because this is your VENDOR. I do not care if this is your vendor or not, This account is illegal and reporting illegal, No card was ever received in my possession. The Card was  received, and charged from a identity thieve. I did not authorize anyone to use it, and I never even registered on their website. They advised me the email was XXXX which was found on the dark web from experian.

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted JP Morgan Chase Bank Card Services and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank is preventing me from being able to connect to the investment app, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
I have been contacted repeatedly by Cedar Business Services attempting to fraudulently collect a debt that does not pertain to me. They are naming the creditor " XXXX XXXX XXXX XXXX '' with a principal amount of {$220.00} and fees of {$160.00} equaling a total owed of {$390.00}. I have never been to XXXX, never been contacted by the XXXX XXXX XXXX XXXX. I believe this is a fraudulent transaction and I believe a fraudulent creditor has requested a legal debt collector to collect debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit account with Paypal which uses Synchrony bank, they offer promotions such as six months with zero interest or zero interest with twelve easy payments. The problem is when I added auto pay I divided my balance by the number of promotional months and it would insure I would pay it off on time. When there is more than one promotion their computer allocates the payment not the consumer/me.

When I attempted to make extra payments I could not specify the allocation of where  the payment would be applied. I called and complained and they told me I would have to call them next time and make a payment to control where the payment would be allocated. I tried that and the payment still was not applied where I wanted it. I also had made a purchase for 12 easy payments, every month the auto payment was taking two payments and not one and putting less on the balance that needed it most. I have been struggling with synchrony bank for three months now, each month I get frustrated and have to call several time in an attempt to correct the payment allocation only for the payment to get messed up again the very next month. The last time I got so frustrated that I called and attempted to pay off the balance, I stated that I only wanted to pay off the six month balance at least six times and it did not pay off the balance because it applied 1 extra payment to the 12 month payment loan, the 12 easy payments keeps taking additional payments from every payment, this seems illegal. Where are my rights as a consumer?

This seems unethical that the bank or its computer makes my decision for me and takes away my autonomy. It also feels like synchrony bank intentionally sets people/me up to fail so Synchrony can go back to the original purchase date and charge customers/me outrageous interest rates. I know if synchrony bank is doing this to me they are also doing it to many under served people. The only solutions I can think of is to never have more than one purchase/promotion at a time or cancel the credit line altogether. 

Synchrony bank claims they are working on changing the computers algorithms and interface to offer the consumer control of their payment allocation rather than the computer deciding for you which currently works in the the banks best interest not the consumers. The customer service agent I spoke with stated that these kinds of things take a very long time to correct, hopefully enough people complain and give pushback to help them change it faster.

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 2020-04-26 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: IL

Complaint narrative:
Because I believed that my credit score was good, I had not checked it for many years ( I can not even recall ever checking it. ) Knowing that I could get my credit score without incurring any charge, in XXXX of this year, I checked it with Transunion, XXXX  and XXXX. I did not sign up for any of their additional services. On my XXXX XXXX Visa statement/bill, there was a charge dated XX/XX/2020 by Transunion of {$24.00}. I was very surprised, not knowing what this charge was for. I looked at my previous statements and saw that I was also charged {$24.00} by Transunion the previous two months, on XX/XX/XXXX, the date I checked my credit score, and again on XX/XX/XXXX. Obviously, I should have checked my bills more closely and would have uncovered these charges earlier. On XX/XX/XXXX, I went on the Transunion web site and cancelled the subscription for which I had not requested but had been charged. Since their billing cycle is on the 16th of the month, and since I did not receive the current Visa statement until XX/XX/XXXX, I will receive another bill for {$24.00} in XXXX. 

I do not believe that what Transunion did to me was deceptive because deception would have required my agreeing to their service under their false pretenses. What Transunion did to me is to perpetrate a fraud. I did not agree to any of their services which would require any payments and I certainly never gave them my Visa number or permission to charge my Visa for anything. Since they have access to all my and my wife 's credit cards, they used it without my knowledge or authorization. I called them all day and numerous times on XX/XX/XXXX and XXXX and did not get through to anyone. I called XXXX and XXXX, the only numbers I could find, and received only their voice messages which said that " no one is currently available to take your call '' and " all representatives are still assisting other customers. Please hold for the next available representative. '' At one time I held for 45 minutes with no answer. 

Thank you for your time in reviewing this and ask that you treat them accordingly to their fraudulent actions and have them reimburse me {$99.00}. 

Sincerely,

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have 3 credit inquiries on my credit report from XXXX of 2019 from Capital One Bank. I do not have an account from them nor would I seek one. I would request that these inquires be removed from my credit report. These are affecting my credit score for an account that I do not even have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted Synchrony Bank twice and negotiated a settlement for a balance owed on an old Amazon card account as well as JC Pennys. I fell on hard time, became XXXX   and lost my job. As soon as I received a new position, I took care of the debt. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

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 2020-04-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2020-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NJ

Complaint narrative:
On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-5836, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. 

By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I contacted XXXX  Ive been online with XXXX XXXX they sent me a letter back saying that the information was accurate I never lived at this address

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Trying to link my account to XXXX  investing app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. 
UCC 9.506 and the RISA and MVISA statutes were violated here. 
Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or 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 2020-04-26 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: LA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT

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 2020-04-26 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: LA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. 
Have been a longstanding customer with both the financial institutions over 10 plus  years. This is the first time iam encountering such utter customer dissatisfaction. 

They are refusing to provide basic service and it is appalling. 

regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2020, DISCOVER STUDENT LOANS was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report NumberXXXX and Police Report number XXXX IVE CALLED Equifax AND XXXX over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my Equifax Confirmation # XXXX and My XXXX  Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... .. 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NJ

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX  was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation