vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To whom it may concern, XX/XX/XXXX I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX  account online. XXXX  emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called Synchrony as well as XXXX to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from XXXX that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX  - Syncb/amazon ( Synchrony/ XXXX ) - Syncb/XXXX   ( Synchrony/ XXXX ) XXXX Syncb/ppextr ( Synchrony/ PayPal ) XXXX - XXXX ( XXXX XXXX Credit Card ) XXXX - XXXX XXXX Credit Card XXXX XXXX BANK ACCOUNTS XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process. 

XXXX 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 2019-03-14 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: WA

Complaint narrative:
The below has never been taken off my credit report and I was not told the disput was finished. 


Past Disputes XX/XX/XXXX Completed XXXX XXXX  Reported on XX/XX/XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : This account is included in my bankruptcy.

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 2019-03-14 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: GA

Complaint narrative:
New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20  year ) relationship with XXXX XXXX and would like to amicably resolve this issue.

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 2019-03-14 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: GA

Complaint narrative:
New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of  subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XXXX and another in XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20 year ) relationship with XXXX XXXX and would like to amicably resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XX/XX//2019, I  received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to. 

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I'm relatively new to the world of credit, I applied for one PNC Bank Credit Card and got declined, then the internet popped up more applications and I did not have knowledge that applying to other credit cards would hurt your score, so I applied to others and now I have some dings to my credit and credit card companies have sent rejection letters back saying that I have too many inquiries. Is it possible to get these inquiries off my credit report? I had no knowledge that applying and getting rejected hurt my credit and these websites like ( XXXX XXXX ) made it seem too easy to apply and it never warned me that it would hurt my credit. If i could get these dings off my credit it would definitely help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
focused recovery XXXX XXXX XXXX didn't take it off my credit report and i dont owe XXXXXX/XX/2015 and the account was closed it has not been removed from my credit report. also i had to send complaints to the XXXX in XXXX va cause another company XXXX  closed the account but XXXX XXXX  is asking for the XXXX XXXX turned it over to another collection agency and i sent the paperwork to the XXXX  cause XXXX still wants there money so i need u to please take care of the this for me i talked to XXXX XXXX  and they keeper telling me i owe and they were nasty on the phone with my wife so nothing has been resolved yet and i tried find the feed back on my complaint before u close it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
In XXXX, I consolidated my student loans into one payment. In XXXX, when the Public Service Loan Forgiveness Program was announced, I contacted my lender to ensure that my loan would qualify. I'm a XXXX  and was elated to learn that it would qualify especially after having been given wrong information by my college ( University of XXXX ) and therefore not qualifying for the XXXX XXXX XXXX. The University failed to inform me that you couldn't have an outstanding loan balance prior to XXXX XXXX. I went to XXXX XXXX - XXXX and had approx. $ XXXX in loan debt prior to attending grad school for the XXXX   credential and XXXX XXXX program. Had they properly informed me, my parents and I would have found a way to pay off the relatively small amount of loans so I'd qualify. Anyway ... .MyGreatLakes, my loan servicer assured me I was in the right program so the other day when I logged in to the Public Service Loan Forgiveness Tool to begin processing the paperwork and find out that my loan doesn't qualify and in order to qualify I need to re-consolidate again from an XXXX to a new consolidation loan and my 10 years of payments starts all over again!!! After researching options online, I found many stories just like mine with my same loan servicing company. This is entirely unacceptable. I did what I was supposed to. It's not my fault I was given incorrect information yet I'm the one paying the consequences while the loan servicer gets off with no consequences. I was assured by my loan servicer that I'd qualify for forgiveness. If one can't trust the people whose job it is to provide proper information, who can we trust and how do we know what to do? Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
We did not receive, nor is there record of, escrow analysis for years XXXX, XXXX or XXXX and now our mortgage has gone up approximately {$700.00} per month despite being in a fixed rate product. Our property taxes and insurance rose marginally and PMI is on a steady decline. Yet, we have a negative escrow balance of nearly XXXX and PennyMac wants us to pay approximatey {$4600.00} to true up the escrow account or continue to make our increased monthly total. It shouldnt come as a shock that when someones budget on a fixed rate mortgage starting at around $ XXXX is completely and unreasonably stretched nearly 7 years later when the mortgage is $ XXXX. Since we did not receive, nor did PennyMac perform, escrow analysis for 3 consecutive years we feel this is an unreasonable encumberance to our family and feel they shoulder a great deal of liability in this severe an oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: WA

Complaint narrative:
The below has never been taken off my credit report and I was not told the disput was finished. 


Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : This account is included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
RE : CITIBANK On XX/XX/XXXX I opened up both a savings and checking account with a bonus, welcome rate amount of {$400.00} to be given after 90 days. I was very clear in writing all of the criteria down - that the account had to be maintained for 60 days and " welcome offer will be deposited within 90 days ''. I called today and was told by CSR XXXX that he was told by the marketing dept. that my credit would be given on XX/XX/XXXX, 90 days AFTER the 60 days, which is incorrect. I was very clear in what I wrote down and remember wanting to be sure I had the correct information. I then spoke to Manager XXXX and she said I made my deposit on XX/XX/XXXX, which did not sound accurate to me but I told her it would be checked. Not only do I have my banking log which shows both of my accounts were funded from my XXXX acct. on XX/XX/XXXX, I was enroute to XXXX XXXX XXXX on XX/XX/XXXX so that date is 100 % incorrect. She was quite rude to me and I requested a copy of the marketing information that shows " you must keep your acct. for 60 days and then you get your bonus in another 90 days '', that is ridiculous.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have had this card for 7 years. Not once have I ever had issues paying the card before it was reported to collections or considered 'late. ' I've been traveling out of the country for two months and during this time, I was robbed, which locked me out of some of my accounts that XXXX passwords ( since I had to change passwords to protect myself ). Though, this shouldn't have been a big deal since I knew the answers to my backup questions. I was robbed on XX/XX/XXXX. 

Every time I leave the country, I can not log into my XXXX account. I am blocked and it requires me to answers a security question, yet the security question is always flagged as incorrect and locks down the account. 

On this past occasion, I tried MULTIPLE times to log into the account, and every time failed. At this point, the account was becoming past due because of my failed attempts to access my account. I tried contacting customer service ( and you can check their call logs for this ), and was unsuccessful to log in. 

I then tried to make a phone payment since I couldn't log in, and after I did, I realized that the payment was never taken out of my bank account. The payment was originally made on XX/XX/XXXX when I received access back to my passwords/had a phone/etc. So I called customer support, who first FINALLY helped me get into my account, only to discover that the last 2 digits of the bank account was switched and the payment was taken from the wrong account. Since I was logged in, I paid directly right away. I made this payment again on XX/XX/XXXX. 

What I CAN NOT understand is how I was NOT notified until the payment was returned and why these numbers were not checked when the payment was made. 

When I contacted XXXX on MULTIPLE occasions after this, stating that I had notice the payment wasn't taken and asked what I needed to do, as I had never paid on the phone, and asked for then the report to be removed from my score, as it greatly impacted my score, they refused to help and blamed me for being out of the country and not trying to mail my payment. I'm not sure when it's safe to mail a payment, but this shouldn't have even had to be an option if I could have accessed the account. I was also blamed for typing in the numbers wrong ( which was absolutely not my intention ) and then blamed for not speaking to a real human instead when that option wasn't even given. 

This has absolutely been the worst service I have experienced and I can not understand how it isn't possible to remove the late payment due to the issues. I also do not understand why an accidental typing of incorrect numbers is my fault if a payment is made over the phone, as I would assume this information would be verified first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: MS

Complaint narrative:
On XX/XX/2019 Blue Trust Loan Company called my job and asked to speak with my boss. The collector publicized my debt not just on this day, but on repeated voicemails on my boss phone. I would like for the harassment to stop. I prefer they no longer call my place of employment and that they do not discuss my debt with my employer.

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 2019-03-14 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
an unkown company named " credit tech '' shows as hard inquiry i do not recognize or ever authorized this company to run or report on my credit. Id like for this to be removed since is hurting my credit without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX  to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.

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 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express would call me all the time and mail me all the time. I have disputed the debt amount but they persisted The man was always the same but with a thick unintelligible XXXX accent. 
Then I decided to hear him out. 
He proposed a settlement. I decided to take it. 
I sent the check. They cashed the check but then put it in XXXX that I owe the entire amount. I have repeatedly disputed this debt but got tired of the man calling me so I accepted the settlement

Company response to consumer: Closed with explanation