vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: TX

Complaint narrative:
I had a student loan with XXXX XXXX for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
Experian, XXXX  and XXXX have been reported to with these invalid dates.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Due to an issue with my bank and an ACH deposit not posting in time, a payment in the amount of {$50.00} was returned on XX/XX/XXXX, a late fee or insufficient funds fee charged same day in the amount of {$15.00}. A replacement payment made on XX/XX/XXXX in the amount of {$50.00} has cleared.

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 2020-03-13 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:
These are not my accounts nor did I authorize these credit inquiries.

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 2020-03-13 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: NY

Complaint narrative:
THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.

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 2020-03-13 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: TX

Complaint narrative:
These are not my accounts nor did I authorize these credit inquiries.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one reported, to XXXX  and XXXX, on XX/XX/2020, that my accoint was delinquent, but it wasn't, AND, I had just made a payment to them, on the same day. Plus, I had 5 more days until my payment was actually due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
Please remove these accounts as they aren't mine.

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 2020-03-13 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: NV

Complaint narrative:
Please remove these accounts as they aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a 5/3rd Bank " Trio '' rewards credit card in XXXX. It has had a {$15000.00} credit limit, however the balance has never been more than {$9300.00}. On XX/XX/XXXX I paid the outstanding balance in full. This was so that I could lower my overall debt ratio and increase my FICO score to secure a new vehicle loan soon. 
On XX/XX/XXXX, 5/3rd Bank charged my account with an interest charge of {$3.00} without my knowledge. I never received a statement notifying me of this new charge, or new outstanding balance. I received no paper statement, electronic statement, email or phone call. Nor did I receive any notification that the {$3.00} had become past due on XX/XX/XXXX. 
Over the 8 years of using this card I have never once made a late payment or become delinquent. I have never been late or delinquent with any of my other credit card accounts or loans. I was only notified of the {$3.00} charge when I was alerted through my XXXX subscription that my credit score had changed on XX/XX/XXXX, due to a delinquent report by 5/3rd Bank for this outstanding {$3.00}. 
I attempted to resolve with 5/3rd Bank by speaking to two different supervisors. I explained that I was not aware of the charge, and that I would have paid if I had known. Their " system of record '' shows a statement was mailed out to my home address, however I never recieved a statement. And they refuse to acknowledge this or investigate why I never received a statement, and advised there is nothing they can do since their system says a statement was mailed. 
I am filing a complaint given the deceitful manner 5/3rd Bank applied interest charges to my account without my knowledge, then took negative action against my credit report. 
I am considering legal action as a violation of Regulation Z, and that I never received a statement or communication of this charge by the bank. Further, I am now unable to secure a new loan with the interest rate I needed because my FICO credit score was significantly lowered due to this deceitful delinquent report against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
Please remove these accounts as they aren't mine.

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 2020-03-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a Chase United Credit Card ( the Ref # is XXXX ). One XX/XX/XXXX, I received a letter that required me to submit some documents to verify my information. Then I did that. On XX/XX/XXXX, my application was approved, and I received my card on XX/XX/XXXX ( the letter coming with the new card was attached ). 

However, on the same day ( XX/XX/XXXX ), I received another letter that said my account was closed ( attached ). The reason given in the letter was : 1. Not enough credit information on file 2. The accounts on your credit report have not been open long enough That was based on the credit report from XXXX. 

Then I requested my credit report from XXXX  ( credit report ). On the credit report it's very clear that I have an individual credit card ( XXXX  XXXX XXXX # XXXX**** ) opened on XX/XX/XXXX, and there was no any missed or late payment. The history of that card is nealy two and a half years. Why do you think ' the accounts have not been open long enough '? 

Also I have server credit cards which I was listed as the authorized user of my husband 's account. Neither of them has any problem. 

I'm really puzzled and angry! You have approved my application based on my credit report and submited documents. Why do you close it immediately? The given reason is really shocking!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: MN

Complaint narrative:
I have tried three times to get my legal name changed with these people and they are simply unresponsive. I'vew sent them all of the documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from XXXX, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : XXXX, Equiffax, and XXXX  U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On, or about, XXXX of Year XXXX, over {$500.00} in fraudulent charges posted to our Chevron/Synchrony Bank credit card from a XXXX, Texas location. We have never traveled to, nor visited XXXX, Texas. Moreover, our owned vehicles do not have a tank size to accommodate the amount charged at each fueling in XXXX, Texas. 

Chevron/Synchrony Bank was contacted monthly in Year XXXX, both by telephone and at the Chevron/Synchrony website, regarding the fraudulent charges to our account. 

Chevron/Synchrony Customer Service promised each month that it would be 45 to 60 days for the fraudulent charges to be researched and corrected. Chevron/Synchrony Customer Service promised that this matter would be escalated to a supervisor. 

In fact, the XXXX County Sheriff Department in California actually detained, arrested and prosecuted the criminals who had perpetrated these crimes upon California citizens with Chevron/Synchrony credit cards. The crime was covered by news media in California and we have records of all the fraudulent charges. Still, after being notified over 12 times in Year XXXX, Chevron/Synchrony has done nothing to correct the fraudulent charges to our account. 

We paid the legitimate charges in full each month for all of Year XXXX, minus the fraudulent charges. Chevron/Synchrony then began charging MONTHLY INTEREST on the " disputed and fraudulent charges. '' As of XX/XX/XXXX, over 1 full year from our first notification to Chevron, fraudulent charges have not been corrected and interest on the fraudulent charges continues to accrue. 

Worse, the victim of the fraudulent charges is a senior citizen and is a United States Veteran of foreign wars. 

Any help toward remedy and redress is greatly appreciated. 
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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 explanation
Consumer complaint received 2020-03-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have no knowledge of these inquiries listed. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 someone messaged me about buying furniture I had purchased for sale online. I was selling everything for {$500.00}. He sent me a check for {$1300.00} and asked me if I minded paying the movers for him but only when the check cleared with my bank ( Chase ). Once the check cleared and all of the money was in my account, I then payed the movers over XXXX. Everything seemed very legit since the check cleared and i had access to the funds. A week later I get a notification on my bank app that the check was being returned. Apparently " no one, including chase employees, can guarantee to you that a check will not be returned and it is possible that the check will be returned months after you and you've withdrawn them ''. The person helping me at chase went on to tell me that I was " XXXX  '' and proceeded to tell me that this wasn't an emergency. I now know just like everyone else scammed through XXXX that they are not liable. I filed a police report and was assigned an investigator and im sure we all know that will go no where. I have read my rights under the Electronic Funds Transfer Act and also terms and conditions of chase. Chase is compliant with Regulation E of the EFT and i could possibly have a case. Need to investigate and read up on both documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020 I took my nephew to Bank of America ( XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX ) to cash a check from ( insurance check ) a Bank of America account holder in the amount of {$7400.00}. 1st : he was told he need 2 forms of I'd ( he had his id ). He told the teller he had a birth certificate and his ss card. The teller tells him the 2nd form of id needed had to be a passport, credit card, or debit card. He didnt have none of the 3. 
2nd : I went inside the bank to see what was going on. When I gave the teller the debit card with his name on it and his Id she still refused to cash his check. 
3rd : I spoke with the manager on duty and asked her about cashing the check and she refused as well. 
4th : I ask if he sign the check and I sign the check could they cash it then ( I am an account holder ). The teller said they dont cash 3rd party checks. 
5th : the teller said she scanned his check but it wasn't signed. 
6th : the teller said it was over the limited to cash for a non account holder. 
7th : they even refused to call the insurance company to verify the check.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I receive Report number : XXXX for XX/XX/20 but the problem I saw too many account opened in my name : XXXX  XXXX XXXX Account ( 2 ) and - XXXX XXXX  ( 2 ) XXXX  XXXX XXXX ( 4 ) XXXX/ XXXX XXXX XXXX  ( 2 ) wrong social security year of birth wrong phone number wrong honestly disaster my concern I want to clean my record and fix all issues

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 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 non-monetary relief
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

Company response to consumer: Closed with non-monetary relief