vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I have tried for months to resolve and settle this account. First it was with XXXX, it's been tossed around with XXXX  XXXX and XXXX XXXX, now it's with Kramer and Frank. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and Kramer & Frank said they didn't have it. I call XXXX XXXX  they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. XXXX XXXX  says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even Experian 's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?

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 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I am attempting to add an authorized user to my account through the company 's online portal. After filling out the proper form and answering my security questions correctly, I receive an error message that my process can not be completed and to contact the company. I have attempted to contact the company through its online message portal several times. Each time I was told how to add a user, which I already know how to do. I was finally told to call the company. I have called three days in a row. The first two days I was on hold for over two hours and no one answered. Today I have been on hold for six hours and there is still no answer.

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 2020-07-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Despite the fact we are inside an epidemic of covid19 and we are struggling with bills, I actually came into some money. I decided to use that money to pay down my credit card debt. Between XX/XX/XXXX and XX/XX/XXXX of this year I paid chase {$5500.00} towards my credit card debt. I paid in several payments because I was waiting for the check I had been given to clear. 

Today, XX/XX/2020 I tried to use my card to buy a {$5.00} meal and it was declined. I called Chase and at first they told me it was fraud. Then they told me they had decreased my credit limit for failure to pay. I told them I had paid. I logged on to my online account and noted that I had paid on XX/XX/XXXX, the XXXX being my due date. I noted they applied incorrectly a late fee when I paid on the due date. 

They then told me they had decreased my credit limit and had no available credit. I asked them how when I had made all payments on time, had always paid more than the minimum and had just in fact paid MUCH MORE they thought they could do that. I also asked them how much they decreased it by. They said {$5500.00}! They decreased my credit limit by what I had just paid to pay it off ... 

I then said that I had available credit before I made those payments so how could I be " over the limit ''. THEY HUNG UP ON ME .... 

Clearly, they think that they can damage my credit score and keep me a " credit care XXXX  '' by reducing my credit limit by the amount I just paid off. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have tried for months to resolve and settle this account. First it was with Walmart, it's been tossed around with XXXX  XXXX and Synchrony Bank, now it's with XXXX XXXX  XXXX. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and XXXX XXXX XXXX said they didn't have it. I call Synchrony Bank they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. Synchrony Bank says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.

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 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX  allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?

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 2020-07-09 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: CA

Complaint narrative:
This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT ED/XXXX XXXX {$27000.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX, Fl 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 non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
There is an account for a XXXX XXXX place that continues to report new open dates on a debt that is very old. This makes no sense one bureau indicates it's a charge off the other indicates it's 120 days late but they all show an open date of late last year. I have requested proof of this debt and I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I do not owe them any money I have no idea who this company is. I have never went through this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank 's electronic payments system does not issue payment when requested, and tries to mask this deficiency by not allowing the account holder ready access to information on pending transactions. This has resulted in one double payment to a vendor and and now two more are pending. The bank has said that they can not cancel a transaction when it is in the " pending '' phase, however payment dates are 4 and 5 days away. To top it off, the customer service rep hung up on me. So much for 167 %, now I'm paying 200 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
You are about to hear the craziest story. NewRez LLC NMLS # XXXX automatically put me on covid assistance when I didn't ask to be put on it. I found this out in XX/XX/2020 when they didn't take automatic payment that has been set up since the beginning of my loan. In XXXX I noticed my payment was not taken out of my back account and called and questioned why it was not taken out. At that time they told me that they enrolled everyone in this program which I questioned and asked if that was legal. I told them that i didn't ask to be signed up for this program and to remove me right away and put my regular status back on Let 's fast forward two months later. I was out of town and just got back and had letters in my mailbox that i was delinquent on my payments and they reported me to the credit bureau. I called and quested this and once again was given an excuse to why it happened. They gave me some excuse and told me they forgot to turn back on my autopay. I feel like this company is trying to report me and raise my rate for being delinquent or trying to foreclose my house. When I called, they once again made it seem like it was my fault. Its seems like this is highly illegal for someone to sign me up in a program that I never asked to be put into. Then they mess up my payment structure and hold me accountable. I asked for them to send me a letter or email explaining what they did because I don't want to mess up my credit and they said they would but I never received it. I would love your help. This company has been nothing but shady since they purchased my load. THese types of companies should not be allowed to purchase loans. Thanks 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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have never done business with or signed any contracts with SCA Collections Inc. and  they are attempting to defraud me of money via the United States Postal Service. 

On XX/XX/2020 I sent a letter via certified mail with return receipt requesting that this company validate the debt they claim I owe. 

The letter was received and signed for on XX/XX/2020. 

The collection was then removed and illegally placed back on my credit files on XX/XX/2020.

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 2020-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Application number XXXX for Paycheck protection program submit XX/XX/XXXX .They didn't respond till XX/XX/XXXX application has been canceled reason is the documentation provided didn't support the loan amount you requested.Call me today and trying explain reasons but nothing new what is not in letter what they send to me.On application what I submit is Treasury guidance : For seasonal businesses the applicant elect instend use average monthly payroll for the time period between XX/XX/XXXX and XX/XX/XXXX.Because my business is seasonal I send my bank statements to support that. On some reason bank didn't use that documents they used only my tax preparation for XXXXThis is reason why I filing complaint.They did discrimination : Refusal of available loan or workout option even through you qualify for it based on advertising requirements.

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 2020-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Account Info Loan Account Ending XXXX Hover over labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Account status Open Date opened XX/XX/XXXX Account type Unsecured Loan Paid Off : 84 % Balance on XX/XX/XXXX Loan Amount {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: FL

Complaint narrative:
Please investigate and delete the following false information on my credit report : 1. incorrect previous address : XXXX XXXX XXXX  XXXX , OR, XXXX I have never lived at this address, therefore please delete it asap. 
2. I have no knowledge of XXXX  XXXX Account # XXXX, please investigate and delete.

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 2020-07-09 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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT EDXXXX XXXX {$27000.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX {$500.00}

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 2020-07-09 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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT EDXXXX XXXX {$27000.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX {$500.00}

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was a customer with XXXX Bank and switched to PNC. I did XXXX  investing with XXXX and wanted to do the same with PNC, but PNC is not allowing me to link my debit card/checking with XXXX. Can this be remedied?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations

Company response to consumer: Closed with explanation