vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 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: MD

Complaint narrative:
XXXX XXXX, 2019 I sent a certified letter to XXXX, Equifax and XXXX informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I open a Victoria Secret 's card in XXXX of XXXX with a limit of XXXX and used it fairly often since. I have always paid over my minimum payment and have never made one late payment, I have even made double payments multiple times. On XX/XX/XXXX I had about XXXX in available credit so I made a purchase online for XXXX, which should have put my balance up to about XXXX. At XXXX with a credit limit of XXXX I should have still been under the limit. On XX/XX/XXXX I recieved and email stating I received a secure message to log in to my card account to view. When I check this message dated XX/XX/XXXX it states my credit is being decrease to XXXX claiming because of a change to my credit score. The next day XX/XX/XXXX I recieved another email stating my statement closing XX/XX/XXXX is ready to view. So I check it and I see the new decreased credit limit is showing on this statement ( two days prior to the letter ), and that I have available balance of XXXX dollar as of XX/XX/XXXX. I'm very confused for two reasons, first because well ok credit scores change all the time, but there are mistakes all the time. I understand credit companys use these tools to decide who and who not to extend credit to but I not applying for a new card I am card holder for close to a year now and I have proven to this company my credit worthiness with early and over minimum and even double payments. I have never gone over my limit or made a single late payment. How exactly does a random change to my credit score nullify all of that. Secondly why did my account show my limit as XXXX on XX/XX/XXXX if it had already been decreased? And why was I not notified until the XXXX? Why would a company lower my limit the same day or two days after ( which ever is actually true ) that I made a purchase that left my account balance over XXXX dollars over my new decreased limit? This bank has completely screwed me over, now I am going to be forced to pay close to XXXX by my next bill closing date just to be barely under my limit so I don't recieved an over the limit fee, an extra charge and my credit will not be dropped to a lower score because I have used all of my available credit. This is wrong, I can not believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: MD

Complaint narrative:
XXXX XXXX, 2019 I sent a certified letter to Transunion, XXXX and XXXX  informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

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 2020-02-02 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: MD

Complaint narrative:
XXXX XXXX, 2019 I sent a certified letter to XXXX, XXXX and Experian informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

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 2020-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing so the state of my case can be documented appropriately. For approximately 6 months, I have been having ongoing and unresolved issues in my account. Initially, I did not submit by re-certification form for the 501c3 I work for, which caused by payment to go up from its former {$250.00} to {$400.00} in I believe XXXX XXXX. I paid on of these months as I was told my payments would be rectified once the form was approved. Since that time, I have experienced nothing by problems in my account, which are not only unsolved, but are getting worse. 
Upon seeing I was billed the same amount again, I contacted FedLoans and have received the following advise from different people : 1. Go into my account and pick a cheaper repay amount ( not possible ) 2. They'll put me into forebearance ( Never did ) 3. In XXXX, call back again, and they tell me they'll bill me {$5.00} and I'll go into forebearance ( also never happens ) 4. I call back yet again in late XX/XX/XXXX, and am billed the {$5.00} and pay it. During this phone call I was told that not only were by bills still {$450.00} some odd, but my XXXX bill is {$800.00}. This left me crying on the phone to an agent who told me that my account is one of the worst and messiest she'd ever seen. She was the only person who was ever significantly helpful to me, and the only person who got a manger to confirm that her advise was correct. 
If you still review my account, you will see that I was on direct pay, and consistently paid by {$250.00} every month. I also paid the one off {$400.00} as that was my responsibility. Since that time, FedLoan has given my tons on conflicting information and has even made my account worse. It is my goal, and has been my goal for months to get my account back to the {$250.00} payments. 
It is my current information that the {$5.00} payment will put me in forebearance, which will bring my account current, and I will then be able to get my {$250.00} payments reestablished. This has been an anxiety ridden experience for me. 
I then e-mailed XX/XX/XXXX to confirm that my forebearance is in the process, it will bring my account current to {$0.00}, and I will be free to change my payment plan and resume my {$250.00} payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 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: Lending Club Corp
State: AZ

Complaint narrative:
Lending Club is reporting to the 3 credit bureaus inaccurate 30 & 60 days past due. I have disputed the items and they did NOT correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX on XX/XX/XXXX, this vehicle was financed by Credit Acceptance Beginning XX/XX/XXXX. I have made payments as agreed and after the car was involved in an automobile accident on XX/XX/XXXX and was declared a total loss. They have repeatedly called me and sent letters to settle the account with no amounts they claim that I owe even listed and claims of a settlement savings of 60 % and I feel they have not credited all the prepaid finance charge that they should have and I FIRMLY believe I do not owe them anything. In my opinion, The contract is paid in FULL and I'm owed a REFUND. 

Even MORE disturbing is that the contract that I have signed for the original purchase and the contract issued to me from Credit Acceptance when I requested a settlement statement, what I received is a different contract with DIFFERENT numbers. This development I have discovered is highly suspect and in simple language to me, should be considered CONSUMER FRAUD. 

There is absolutely NO remedy I will accept OTHER than to be reimbursed in full for the overage payment, which by my calculations is {$1000.00} Furthermore, Credit acceptance has not updated any of the Credit Reporting Agencies ( CRA 's ) since XXXX XXXX, XXXX. There are no references to the payments that have been paid since XX/XX/XXXX which also includes the XXXX insurance payout of {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Call Navient as I have paid without missing a payment for more than 10 years. I work with XXXX eligible and ask for loan forgiveness. The request was denied as they indicated that their loans are not forgivable. when I applied years ago, I was told with good none missed payment the loan can be forgiven. The only option offered is to get a % of for auto repayment. Incorrect information given when loan was received via Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2020 I went to XXXX to begin taking control of my credit. Upon reading, I decided to get a report from Transuion first, after reading I can get one per year from each of the 3 big unions. 

I went through their site and because it is Sunday I have no customer support, but I had no idea I had signed up FOR ANY SUBSCRIPTION until i got an email stating my receipt for {$24.00} to reoccur monthly. 

I canceled my subscription through the website, which had me reauthorize twice for no discernable reason after already being logged in ( confident it was a loop ) and will be disputing the charge on my credit card, but this experience was disgusting, and I believe totally unethical.

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 2020-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Box XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company Mr. Cooper Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Like many Californians I received a non-renewal notice for my homeowner 's insurance. I was miraculously able to quickly find another homeowner 's policy, rather than being forced into California Fair Plan and the inadequate coverage they offer. I have an impounded escrow account and rather than lose the offered policy waiting for my mortgage company to pay, I paid the premium myself. I asked my mortgage company to reimburse me for my insurance premium of {$980.00} on XXXX XXXX, 2019, with documentation including my insurance declarations page and receipt showing paid in full, and received no response to my correspondence. So on XX/XX/, 2019 I sent a RESPA request for my monies. I included all documentation again. This response was received by my mortgage company on XXXX XXXX, 2019. I received a response from them on XXXX XXXX, 2019 promising an answer by XXXX XXXX, 2019, and again nothing. I am attaching all documentation that I have provided them. Could you please help me get my insurance premium refunded to me which they have been holding in my escrow account. Thank you in advance for your help with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: PA

Complaint narrative:
I have disputing this account for years and experian keeps updating it as verified. I have contacted the company on numerous occains by mail and they never respond. The date of status is XX/XX/2015, the status is incorrect and most information on the account is not being reported. The account is XXXX  XXXX XXXX/ total card XXXX, please delete this because it can not be verified and experian has refused to provide me with method of verification after numerous requests

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 2020-02-03 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: VA

Complaint narrative:
ON MY XXXX  XXXX XXXX XXXX ACCOUNT ACCOUNT NUMBER XXXX THERE WAS A PAYMENT MADE ON THIS ACCOUNT IN THE MONTH OF XXXX OF 2015 THE CAR WAS AUCTION OFF FOR THE AMOUNT OF {$4800.00} SO THERE SHOULD OF BEEN A PAYMENT MADE TO THIS ACCOUNT SHOWING LAST PAYMENT MADE WAS XXXX OF 2015 NOT XXXX OF 2015 XXXX  XXXX XXXX XXXX SEND ME THE PAPERWORK TO SHOW THAT THERE WAS A PAYMENT MADE ON THIS ACCOUNT CAN YOU PLEASE UPDATE THIS ACCOUNT SHOWING PAYMENT MADE FOR THE MONTH OF XXXX IT SHOWS NEG I GAVE THE CAR BACK AS VOLUNTARY SURRENDER SO IT SHOULD NOT BE SHOWING ANY NEGATIVE .FOR THAT MONTH. ON MY PERSONAL INFORMATION MY NAME IS XXXX XXXX OR XXXX XXXX  XXXX  THE NAME THAT IS LISTED ON MY CREDIT FILE XXXX XXXX  IS NOT MY NAME CAN YOU PLEASE REMOVE IF NOT PLEASE GIVE ME A REASON WHY. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX MY PREVIEW ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN YOU PLEASE REMOVE THE PO B OX ADDRESS XXXX XXXX VIRGINIA 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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX  XXXX ran a credit check on me without authorization and used it to lower my credit limits and further damage my score. I attempted to contact them to let them know that my current score is incorrect due to false reporting done by XXXX XXXX ad that they need to reinstate my credit limit as they breached my contract and are basing their decision on fraud committed by XXXX XXXX and they refuse to help me. They also refuse to acknowledge the request that I made by copy and pasting the same message over and over again. I want my credit limit reinstated. They damaged my score further and will not even attempt to look to fix the problem. I am a loyal customer and have always made payments on time. They are punishing me for no reason and I want them fined and they need to fix the problem that they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This complaint supplement a complaint that I filed on XX/XX/2019. XXXX. The bank has only partially corrected the problem. Although they have corrected the billing issue and I am now receiving a bill on time and making payments on time again. They did not bring the account fully current, leaving a it a month in the rear. Despite receiving payments on time every month, they still continue to report the account as delinquent to the credit bureaus. I would like to stress that I never entered into a contractual agreement with this bank. Commenity Bank  purchased this account from another lender with whom I was in good standing and never notified me in writing of a change in terms or that they had purchased the account. I have had several problems with them since this purchase that have resulted in late fees, late interest, and violations of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I never have credit before and try to apply for credit card and my credit score is so low and drop around XXXX and cant apply for any credit score On, XX/XX/2019 the synchrony bank report is 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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX my XXXX account said that TransUnion was reporting I have 2 late payments. I tried to obtain my free annual report from TransUnion online and was unable to because the security questions they are asking me have nothing to do with me. The people named in questions are names I've never heard before. This is the 2nd time this has happened. In XX/XX/XXXX I was turned down for a XXXX cell phone because of my credit, and I knew my score was over 800 at the time. XXXX 's credit dept told me they use TransUnion. I went online to get my TU credit report and could not answer the 3 security questions because they did not have anything to do with me. I called the customer support number at TU at that time and spoke to more than one person who looked at my account and couldn't understand why that was happening. It is now 6 months later and the same problem persists. So we have a situation where my credit score is used for all sorts of things, TransUnion is potentially reporting incorrect  information about me, they clearly have incorrect info linked to my account based on the security questions, and I am unable to get someone to help me resolve it.

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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase for {$650.00} on Amazon.com using my Synchrony Bank store card. This purchase had a promotional rate of 24 months at 0 % APR, as shown in my XX/XX/XXXX statement. 

On XX/XX/XXXX I made a payment of {$1300.00} on my account. The above transaction was the only promotional balance on my account. I had the " standard allocation '' option on my account, which indicated that my payment would first be allocated to the minimum payment on my promotional balance ( {$27.00} ) and the remainder would be allocated to my non-promotional balance, which on XX/XX/XXXX was about {$2000.00}. I intended to have little to no remaining non-promotional balance on my account, due to its high APR.

However, unexpectedly, I noticed two days later on XX/XX/XXXX, that my payment had been allocated almost entirely to my promotional balance. I immediately contacted Synchrony Bank and was told via their representative XXXX XXXX that they would " Allocate the whole amount apart from minimum due to the non promotional balance ... 
It will take 1-2 billing cycle to reflect online. '' I saw no changes after checking my statement monthly since then and have contacted Synchrony Bank via their chat function multiple times to resolve this, and have always been advised that they are working on it, but have seen no action. On the last communication, on XX/XX/XXXX, I was told by their representative XXXX XXXX, Operations Manager that " It should be resolved in 7-10 days ... Totally sorry, That we missed on resolving this accurately. '' I informed XXXX XXXX that I would proceed to contact the CFPB if it was not resolved. 

Upon checking my statement on XX/XX/XXXX, the issue is still not resolved. This is unacceptable as I continue to see interest charges that should not exist, and was never able to take advantage of my promotional purchase. I have continued to make payments as I intended to, as if the promotional purchase was still valid on my account. 

I am attaching the relevant statements and chat logs.

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 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX and chase are the instructions involved. There was a purchase to XXXX for a specialized strength workout magazine. The item was to arrive in a booklet format and digital. Only the digital version was made available the physical copy never arrived. 

Reported to chase on XX/XX/XXXX Chase denied the claim XX/XX/XXXX Chase claim number XXXX

Company response to consumer: Closed with monetary relief