vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
During XXXX and XX/XX/2020 multiple unauthorized purchases were made with my Citi Bank card utilizing XXXX. According to XXXX XXXX customer service these purchases were made online via their website utilizing XXXX as a third party payment service. Citibank card ending in XXXX was charged for {$4900.00} in special order purchases that were picked up at multiple store locations in person as well as delivered to an address that is not mine. Citibank never questioned said charges despite being large amounts that are being shipped to an address not on file with them. I have never utilized this card at XXXX XXXX previously and had a zero balance prior to these purchases. They have requested no further information from me nor had any correspondence aside from the initial dispute. They have somehow determined that I am responsible for these charges despite security failures on their part. I have asked XXXX XXXX to verify the person who picked up said purchases and was told they can not due to not requesting ID verification. CitiBank is refusing to deal with XXXX stating that I must try speaking to them. These purchases were not made by me nor were they authorized. CitiBank has determined I am responsible for said charges but have not provided any evidence as to why. I have included said charges and have print outs from XXXX showing the wrong delivery address and multiple fraudulent charges.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
I received a notice that my score went down. I go online to check it. A new collection is on my account. I never applied for service with at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
3 times in the last week I have received an email telling my my Chase Bank account has been compromised and that I would login to change it. I dont have a Chase account. Never had a Chase account and am getting tired of the regulatory agencys doing nothing about it. This scam could easily take a elderly person as it appears legit. Email is originating from XXXX However in you inbox says Chase Bank with their logo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank XXXX XXXX  was used to pay for a very large medical expense for my daughter. This with deferred interest for 12 months, then 26.99 %. I spoke to a representative who assured me that if I signed up for autopay and paperless, that a letter would come in the mail, and am email as well to warn of the upcoming deferred interest expiration. Nothing came and it triggered the Deferred Interest, charging me around {$2800.00}. I finally caught this about 2 months later ( Synchrony sends no emails XXXX. When I called them they put all blame on me, and despite what their website says, there is no Covid-related help they are willing to offer. This is flat-out predatory and specifically targeting disenfranchised population in a difficult XXXX XXXX XXXX  situation.

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 2021-04-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care credit has reported me late on my credit file. This is incorrect because care credit has offered me a settlement on this account and I have been on time with my payments.

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 2021-04-22 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I asked the company to provide accurate documentation proving that the debt was indeed mine and proof of an agreement between the company and me over the validity of the debt. Unfortunately, the information provided by the company consisted of personal medical information that was not approved to be released to this company. THIS IS A VIOLATION OF HIPAA AND I WANT THIS INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: OH

Complaint narrative:
CITIBANK NA., BEST B Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX - XXXX Inquiry : XXXX XXXX, XXXX XXXXelephone Companies

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 2021-04-22 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 is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap

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 2021-04-22 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 is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX XXXX about a month ago about incorrect information reported on my account. A customer service representative stated my debt was paid off XX/XX/XXXX. My Equifax credit report is currently reporting six late payments From XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming the incorrect information but they have yet to correct with with Equifax credit bureau. I have disputed this item four times before this and they continue to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 made a online ( XXXX XXXX ) purchase of {$400.00} through my banking card. By XX/XX/XXXX identified that it was a fraudulent transaction. My first thought was to contact XXXX XXXX, who deferred me back to my bank- JP Morgan Chase to help me with this fraudulent activity. On XX/XX/XXXX I contacted Chase and spoke to a representative. He ensured me that Chase has my back, I am fully protected by my bank and that the funds will be refunded to my account within 1-3 business days and not to worry because this happens all the time and Chase protects their customers. 
I did not receive the funds in my account nor did I ever hear back from Chase. A week later ( XX/XX/XXXX ) I contacted chase again to inquire the status of my refund at which point I was informed that there is nothing that can be done, that chase reviewed it and that this transaction can not be refunded. The following day ( XX/XX/XXXX ) my husband who is also on our account also attempted to call chase to resolve it. It escalated to a manager who informed him that even though they previously told me that I am protected and they will refund me this promise will not be up held upon their promise. 
Me as a customer of Chase should expect to receive accurate and timely information, especially when it comes to a substantial amount of money and fraud. What I was told by the chase representative and the outcome of this was not the same, which is that this transaction is protected, not to worry and funds will be refunded. Outcome was that funds were never refunded and we were never contacted by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Last year when I was giving an opportunity for a forbearance due to my father passed away from XXXX XXXX XXXX servicing company alloyed me three months to pay from XXXX a month to XXXX and I completed that process and then I started making my regular payments then XXXX was showing for now 10 months as if I havent made a payment which did come out of my checking account and then XXXX XXXX sold my account to another agency called Sn servicing Corp and I was on another 3 month forbearnce due to the passing of my brother of covid and I continued to pay per the agreement for three months XXXX versus XXXX which then they increased to XXXX which was higher than what my I signed for in my original loan contract in 2004 with my mortgage and I have taken notice that both companies are making adjustments not to escrow put to my interest and principal that I signed for legally in a contract of my mortgage. Im extremely upset that these violations are being allowed with out being audited when a transfer of loan is being sold to another servicing company. I have emailed and contacted Sn servicing at the following number XXXX to speak to someone to get this fixed and I have left a message and emailed them and no one has done anything regarding this. Im extremely concerned of the recording keeping of my loan and the hassle Im going through. I contacted XXXX XXXX at XXXX a text XXXX and no call back or anything at all. This is stressful and shouldnt be happening at all its been a little over a month of losing my sibling to XXXX and no one should have to go through this ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Kikoff Inc.
State: CA

Complaint narrative:
Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers XXXX XXXX for payments missed during an approved forbearance period. This has affected my credit scores.

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 2021-04-22 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-22 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-22 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:
I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.

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