vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Received mail from Target XXXX Card that my credit limit has been decreased from XXXX to XXXX due to low Credit score of XXXX which Target claimed they received from XXXX. I have the copy of the letter from Target. It was a unusually low score especially compared to XXXX XXXX XXXX XXXX I use and it got me worried that my credit file might have potentially been compromised. I have contacted XXXX and they informed me that I did not have such a low score since XXXX when I started building my credit. I called Target and today at XXXX and outside of general rudeness disinterest and disregard, I had to endure 6 transfers between departments and finally had to yell my way to close this account which I held since XXXX. I checked with the XXXX and Target did not pull my credit report on XX/XX/XXXX as per claim in their mail nor was my score that low in none of the credit score versions. In their shady letter they also write : Please do not contact XXXX about reasons marked Our Records above. But it was way to worrisome of a letter not to contact the agency and I am sure glad I did. Sending this mail and faking a credit score has caused a tremendous anxiety stress and inconvenience as well as A bitter feud with my husband who was a secondary credit card holder and whom I wrongfully accused of doing something to case my credit to drop almost 100 points. Most shameful and dishonest treatment of a customer for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
I have issue with Lexington Law Credit Repair.com when my wife canceled back in XXXX it was for the both of us but instead they only cancel my wife which its suppose to be mine as well too and it was billed on my wife 's credit card which was ok at the beginning but when she called to cancel it was told to the representative that it was for both of us. the next thing I find out that my wifes credit card was billed for me (  XXXX XXXX ) on her credit card. But the representative assured me it was not going to be touch because I am not authorized on that card and Lexington Law went ahead and charged my wifes card on XX/XX/2020 {$89.00} and {$19.00} that was not authorized at all. I want this problem resolved but Lexington Law crediting back unauthorize charges for me on my wifes credit card that was not authorize to be charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern My credit reports from TransUnion, XXXX, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern My credit reports from XXXX, Equifax, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
My credit score is being generated by XXXX and XXXX except Experian. I have tried to verify my information over dedicated phone number and online portal of Experian but could not successful. 
When other two credit reporting agency are getting my credit information then which thing restrict this company to get my information? 
My expectation is that this company would come forward to resolve the 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 2020-08-11 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX   and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i used to have a credit card with XXXX XXXX XXXX, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company MIDLAND CREDIT MANAGEMENT, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
Please provide verification and method of verification of late payments and this information is inaccurate. Please provide validation of debt as well. 

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX 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 explanation
Consumer complaint received 2020-08-11 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
XXXX has XXXX XXXX XXXX  on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but XXXX has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXXXXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, synchrony bank does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.

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 2020-08-11 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: OH

Complaint narrative:
Please provide verification and method of verification of late payments and this information is inaccurate. Please provide validation of debt as well. 

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My wife and I applied for a Chase Freedom Unlimited card back in XX/XX/2020 after receiving a prescreened offer. After applying for the card, we were denied due to too many recent requests for credit or reviews of your credit. The day that we received the denial letter, I called in and explained to Chase Lending Services ( I believe the person I spoke to was XXXX ) that we had just purchased a brand new 2020 XXXXXXXX XXXX from a local XXXX dealership and we decided to shop for a better interest rate. Please note that our credit score was a XXXX out of XXXX per Chase credit pull and the only negative thing on our report was the recent inquiries. She stated that this was what led us to being denied. I then asked for her to review the file and with her knowing this background information, please reconsider the application. Fortunately she was able to review the application and she was able to get us approved with a $ XXXX credit line. I thought we were good to go. 

XXXX never mentioned to us the interest rate on the card. My assumption was that it would match the rate that we received on the prescreened offer of 14.99 % which would begin 15 months after the account opening as the card has a 0 % introductory rate. To our surprise, the card pricing information stated the rate would be 23.74 % after 0 % for 15 months ends. 

I have attempted to get this corrected by Chase multiple times. Tonight was the last straw as I spoke to three different individuals and was treated very rudely. One even suggested I keep the card for the 15 months and then immediately cancel. No one seems to want to help correct the interest rate issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im trying to use my pnc prepaid card for this site and its not working

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point  does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT IS INACCURATE

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Around XX/XX/2020 I received a letter from XXXX XXXX XXXX on behalf of LVNV Funding trying to collect money I do not owe. They are making false statements in regards to amount to be collected which I never heard of. I submitted a dispute of the validity of the debt and any portion there of according to a paragraph from there own letter and the rights the law gives me as a consumer. LVNV Funding nor XXXX XXXX replied to my letter of validation. I advised in the letter not to report any information to my credit report because this account is not yet validated. On XX/XX/XXXX, I received notification from XXXX that LVNV Funding reported a collection to my credit report. This is a straight violation of the FDCPA laws and or FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a used auto loan with Capital One Finance that was given to me on XX/XX/XXXX. 
I was never late on the loan nor delinquent, On XX/XX/XXXX the vehicle was totaled by a drunk driver overnight and deemed a total loss. My insurance expedited the payment to the lender along with left over funds from a extended warranty plan to the lender. Upon receiving the lump sum, the lender decided to apply XXXX dollars of the loan towards interest, then the remaining amount towards the principal balance which left me with a balance due on the loan. I agreed to pay the remaining balance with was around {$870.00} dollars until it needed to be paid off no later than XX/XX/XXXX. I was then told that I would be able to get another car loan despite having a balance left although it may or may not be with Capital One Auto Finance. As I applied for loans next month I could not get any offers from other lenders because Capital One was still reporting to the other lenders that I had a collateral out for the whole loan amount of {$27000.00} instead of the remaining balance. When I called to ask the representative, I was told that until the full balance is paid off, capital one has the right to report the original loan amount to the credit bureaus as they see fit! Had I known this I would've just paid the whole balance off completely! It is now XX/XX/XXXX and I have had the account paid in full since XX/XX/XXXX And this lender still hasn't reported nor updated any information since XX/XX/XXXX. I am still unable to get a loan or the anything rolled over to another car loan because of incorrect reporting. I do believe that this lender is being spiteful of my situation because they were suppose to make a lot of money from me but it was not my fault that the vehicle got destroyed. When the Corona Virus hit the country at a full pace and things started to get shut down, I didn't know my future with employment so i took advantage of the hardship that was being offered at the time! I was still able to work and keep my payments going but since I applied for a hardship, capital also reported that when i applied for another auto loan through them and also to other lenders! This is unfair, and as a consumer I will never take another product from Capital One if they are the last bank on earth. This is the worst Ive been treated by any financial institution in my life, and Ive made all my payments on time and never gave Capital One any issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i used to have a credit card with capital one bank, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company XXXX XXXX XXXX, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA
State: CA

Complaint narrative:
My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with XXXX XXXX   Listed on my XXXX XXXX and XXXX  the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.

Company response to consumer: Closed with non-monetary relief