vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX ( Monday XX/XX/2020 ) I went to XXXX XXXX XXXX XXXX  located on XXXX XXXX XXXX, XXXX, FL XXXX. 

The sales associate, XXXX XXXX, asked if I would like to get pre-approved for a XXXX XXXX  credit card through Synchrony Bank. XXXX clearly stated that this was just a pre-approval to understand how much credit I would be extended. 

I filled out the pre-approval application and turned the computer over to XXXX. She came back and notified me that I had been pre-approved for {$15000.00}. 

I told XXXX that I was not buying any furniture that day and would think about coming back. When I left the store, I had not been provided with a copy of any pre-approval documents I filled out. 

On Monday XX/XX/2020 I received a letter in the mail from Synchrony Bank. The contents were a new XXXX XXXX  credit card. 

I had never applied for a credit card ( only filled out the pre-approval ). It is my belief that the sales associate, XXXX XXXX, fraudulently submitted an application for a credit card under my name, without my permission.

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 2020-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc.
State: MN

Complaint narrative:
I refinanced my student loans with CommonBond in XX/XX/XXXX and there was an overpayment upon payoff. A refund was issued by the prior servicer ( XXXX, a XXXX  company ) on XX/XX/XXXX but XXXX ( CommonBonds servicer ) continually tells me it has not been received that refund and that I should contact the prior servicer. This has created a continuous loop where I ask the prior servicer if the payment was sent and they confirm it was sent then XXXX tells me it hasnt received the funds and to follow up with the prior servicer. Ive done this 3 times now. No one can provide any answers or steps that need to be taken to resolve where these outstanding funds are located and when they will be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to link my XXXX  account to my pnc account and they made a change to prevent me doing that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In XXXX of XXXX I purchased my property with 5 % and had PMI on my account. In XXXX of XXXX I began communcation with my current mortgage company ( XXXX XXXX ) to get my PMI contested and removed. I paid for a new appraisal and in XXXX of XXXX XXXX XXXX officially confirmed my PMI had been removed. In XXXX of XXXX a new servicing company SLS took over my mortgage. In XX/XX/XXXX I was I was back charged 7 months worth of PMI and moving forward was charged PMI ( as I currently am ). 

I have all documentation regarding my PMI removal from my original loan company ( XXXX XXXX ) including my new appraisal, a document stating my PMI has been successfully removed, and a statement from XX/XX/XXXX showing it had been successfully removed. I also have documentation showing that in XX/XX/XXXX I was backcharged for 7 months of PMI. I have current statements showing I am currently still being charged PMI. I have been trying to speak to a manager at SLS since XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've tried 5 times asking for a credit limit increase on my account that only has a {$1000.00} limit from the inception of the account. 

I've had the card since XXXX & I have always paid my entire bill every month on-time. I have also make multiple payments per month in hopes of keeping my consumption of credit to credit limit ratio low so that it doesn't hurt my credit. I noticed that on my credit reports, consuming anything beyond 30 % of my limit on this account ( XXXX limit, {$300.00} charge or more ) tends to hurt my credit since it looks like I'm using a lot of the credit on this card. 

I have other cards with this same bank that feature credit limits of XXXX so why not increase the limit on this card? I'm a good customer who pays my card on-time, always pay my balance off in full and enjoy the cash back reward I earn on this card. 

Some dates to note : - I opened my account XXXX - I've tried asking for a credit limit using the bank 's online tool on : - XXXX - XXXX - XXXX - XXXX - XXXX All of the letters I've received from Capital One to notify me of the decline to my request only provide a vague response of " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits ''. This doesn't explain anything or help me understand what I can do to increase my chances of being approved for a credit limit. Also, the website page the document lists ( https : //www.capitalone.com/credit-cards/credit-line-increase/ ) does not have a definition of that this response means. 

On XXXX, I called my credit card company to speak to someone in hopes that I could get a concrete response for my declined increase requests. I spoke with 2 representatives, including a supervisor. Both could not provide me any information. They said they were not allowed to speak about this with me. I asked if their credit limit decisions were automated and the supervisor said " yes ''. So, what if my account is caught in a loop or program bug? Shouldn't I be able to speak to a person who could make a manual evaluation of the facts on my account to determine if a credit limit is justified? I feel like I'm being treated unfairly since I can reference my other Capital One card 's credit limits as samples of what the bank has already approved me for. Also, if someone took the time to look at my account history on all my credit cards with this bank, they would see an impeccable history. 

Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This company magically appeared on my credit report for years now. They never sent me my initial letter. I disputed after I found them on my credit report which isnt fair. I have tried everything to pay them despite the fact i do not owe this to XXXX XXXX. I simply wanted it deleted if I paid. They refused. The last time I called the man was so rude on the phone. i requested a supervisor and as always they say someone will call you back and that Never happens.They violated the law. They owe me. i have paid so much for this stupid collection they never gave me a chance to dispute. They even admitted they sent my initial letter to the wrong address!

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I need help paying my phones bills and school bills even I got laid off in XXXX in my job because I struggle to save my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has erroneously deleted my 2 OPEN active revolving accounts with XXXX XXXX Visa. 

Accounts in question : XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX  XXXX Mastercard XXXX XXXX XXXX XXXX They re-instated the 2 accounts 1-month ago & then again deleted it again. 

Attached is confirmation letter from Equifax showing they deleted ACTIVE & OPEN accounts that SHOULD NOT have been closed. I never asked them to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Can not close a safety box at a branch which is closed due to Covid-19. The Bank does not know when this branch will reopen. Since we are unable to access the safety box under the present situation, we like to close that safety box and receive a prorated refund of the fees we prepaid.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER OPEN A FRAUDULENT CREDIT CARD FOR AN IDENTITY THEIF USING MY IDENTITY, THEN PLACED THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I SUBMITTED A POLICE REPORT AND AN FTC IDENTITY THEFT REPORT TO THE CREDIT BUREAUS, AND THEY HAVE NOT REMOVED THE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LHR Inc.
State: CA

Complaint narrative:
I was never served in the legal process of getting a default judgment, or I would have defended myself in court and proved this easy. The attorney XXXX XXXX in XXXX is a liar and a fraud who violated fair or actual law on a regular basis. Who is LHR, and I have never been told who LHR is or why bothering me, other than I see on a Fraululant abstract default judgment that should be void, or vacated. The case would have been dismissed if I was ever Served in the first place. Is LHR Licenced?, Who is the person claimed to have sold the bogus debt to now? I ask that XXXX XXXX attorney and I get no information, just very rude comments, and he calls my work when I tell him to stop harassing my employer 's office. I have had my account levied, and my wages garnished all by a default judgment that was gained by providing fake information to my local court whose clerk issued the default. I am a person who would have answered and filed a response with evidence is exactly why Attorney XXXX XXXX avoided serving me in the first place, he knew my address, and sent the process server everywhere else!!! My address is not even on the judgment, it such wrongdoing.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on Experian, XXXX, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.

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 2020-06-02 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: MI

Complaint narrative:
I was not able to deposit my money from XXXX  to my PNC account. 

Connection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX Account No. : XXXX XXXX XXXX XXXX Disputed Amount : {$75.00} Specific Transaction : XXXX XXXX XXXX Posting Date : XX/XX/2020 Card Ending XXXX XXXX XXXX, ( Authorized user-my mom ) She didn't authorize this transaction. This Transaction is fraud. It was taken via Cash App. The cash app account has been closed. We also communicated with Cash App and they advised us to contact the Credit Card Company for further assistance. Please reverse this item and charge it back to Square ( Cash App ). I dont know this person and I never sent money from my credit card to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Savings Bank has reported me as deceased, I am not DEAD Fix my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: West Law Group, PLLC
State: TX

Complaint narrative:
I received a payday loan in XX/XX/XXXX for XXXX. I received a default judgment on this loan in XX/XX/XXXX for XXXX. I was not notified of a prior court date or given a chance to object or settle this debt. I contacted the third party ( attorney ) who allowed me to make a payment arrangement on this debt. I paid a total of XXXX on this debt. I then fell behind on my payments due to absence of work. The attorney then filed an order in court for me to turnover after judgment with out crediting the money previously paid. The attorney also refunded one payment in the amount of XXXX to block me from paying off my debt. This attorney has used bullying, unfair and unethical tactics to get me to pay significantly more than what is owed. I feel hopeless and helpless. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced a home loan from FHA to conventional. Loancare will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call Loancare because it's a total circus!

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  has reported me as deceased, I am not DEAD Fix my credit report

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 2020-06-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX has reported me as deceased, I am not DEAD Fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  has reported me as deceased, I am not DEAD Fix my credit report

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
According to the IRS " get my payment '' web portal, my government stimulus payment was deposited into my American Express Serve card account on XX/XX/2020. The ABA routing number and my account number listed for the transaction are both correct along with the deposit amount. My account does not have any information on this transaction and after calling American Express customer service, they claim no such transaction has occurred on my account. They were not willing to investigate my claim, they were extremely rude and unhelpful in handling this matter. In addition, I asked to be transfered to someone in a supervisory capacity and on 3 seperate phone calls, my call was transfered only to be left on hold and disconnected. I have been trying to resolve this issue since the problem was first discovered on XX/XX/2020 and my last call to them was on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted USAA and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA and XXXX XXXX have failed to do either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, Transunion, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.

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 2020-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, XXXX, Equifax  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.

Company response to consumer: Closed with explanation