vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony Bank continues to discriminate and lower credit limit based on my creditworthiness, having no late payments and without my permission to make a hard hit on my credit through the credit bureaus. This is the second time with 2 store cards I have had with Synchrony Bank. Synchrony did this several times through XXXX with my Amazon Store card. I received a letter today, XX/XX/XXXX ( same as came with Amazon Store Card ) for my Old Navy Credit Card stating Synchrony was lowering my credit limit due to credit bureau report through XXXX XXXX. Their key factors are the following : Lack of Real Estate Secured Loan ; too many revolving accounts with high balance compared to credit limit ; unpaid collections ; not enough balance paid down over time on retail accounts ; number of inquiries was a factor in determining score. The letter includes this statement, While the date of the credit score may not be recent, your score has not likely changed significantly since this date. The date of the letter is XX/XX/XXXX. Number of inquiries is because Synchrony Bank does the inquiries!!! I have had 4 store accounts and PayPal Credit with Synchrony Bank. On this date, I closed 3 of the accounts. I closed the Amazon account in XXXX and closed HSN in XXXX due to these unfair, dishonest, and discrimination practices. I feel being able to continue this discrimination based on my prompt payments, and good creditworthiness should be investigated as it has gone on for years. I have all recent credit reports and these key factors are not accurate. It is unacceptable to hit my credit report causing number of inquiries to damage my credit without my permission. This company has been continuing these discrimination practices because no one investigates.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The problem I am having is with Best Buy Credit Card. Currently I have an overpayment on my account, in the amount of {$2600.00}. How this occurred, is that my wife and I made payments on our account to avoid interest on 0 % interest purchases we made with Best Buy, that were coming due soon. While in the meantime, we refinanced our house ( XXXX 2021 ) and used our equity to pay off credit card debt. In this process, the title agency issued my wife and I checks to send to our lenders. 5 in all. In doing so, this has caused us to inadvertently have a large overpayment with Best Buy. In trying to rectify this issue, I have called numerous times requesting that the funds be returned to me. Across all of these calls, I have at times been required to provide further information about the overpayment. Only to find that Best Buy Credit Card Company has flagged this as fraud. I have been more than willing to provide any requested information, both verbally over the phone and via fax. Yet I am still being treated as though I am a criminal and I am very worried that we may struggle getting our money back. I have been a long time customer of Best Buy and their credit card company and have had no issues in the past. Any help in this matter would be greatly appreciated. The attached documents are what Best Buy Credit Card Company has requested that I fax them, which I did on XX/XX/2021. As you can see, they represent, my account information and the overpayment check from our title company.

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 2021-03-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have attempted to fix this issue with XXXX. Waiting for approximately 1hr on the phone to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using XXXX tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Customer attempted to use card on XX/XX/2021 and was notified that account was frozen due to suspicious activity. The suspicious activity started on XX/XX/2021 however Wells Fargo failed to notify that this was occurring. Money was transferred from customer 's savings to checking account and multiple withdrawals were taken from ATM for {$1000.00} and multiple purchases at various stores, particularly XXXX in XXXX XXXX and XXXX FL were made where items for less than {$1.00} was purchased and cash withdrawals of {$100.00} were taken. This is a deviation from customer 's account activities. Police report was filed and claimed made however claim was denied by Wells Fargo and no clear indication as to why. Customer was told that she had to prove that she did not take her own money and was filing a claim

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 2021-03-24 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: TN

Complaint narrative:
I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I had paid my debt in full with the National Credit Adjusters collection agency in XXXX of 2020. I have called multiple times and spoke with XXXX to have this debt removed from my credit report because it was paid. It is showing as a collection on my report and has been paid for almost a year and the company is not responding or willing to remove this paid debt off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MN

Complaint narrative:
Deposited {$500.00} directly into Gemini Exchange to buy crypto on Friday, XX/XX/2021, with expectation that I could withdraw within 1-3 days. Before I deposited I also submitted verify my identity with valid drivers license and sharp image quality. Sent two support ticket emails and have not heard back to original request or follow up inquiries. 

After reading more reviews online, I am hearing that many have experienced this same issue. Im only looking for a response and/or approval of the identity verification requirement. Thank you for any assistance your organization can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
my PayPal account is on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: AL

Complaint narrative:
I opened a dispute into reported account closure. Reporting agency states that account has been closed and isn't reporting credit card as active account. Credit card account is active and open as of XXXX. Account was never closed, after investigation of dispute experian is still reporting account as closed. Experian will not allow me to open another dispute into this matter.

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TMX Finance LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Legal Debt Recovery Department ) Creditor : Title Max Inc. 
Outstanding Balance : - {$2500.00} Docket Number # : - # XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX Subject : Final Notification from the Title Max Loan Recovery Department Title Max is a state licensed lender, which means we abide by all laws set forth by each state. This Legal Proceedings issued on your Docket Number # XXXX with Title Max Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Title Max has decided to mark this case as a flat refusal and press legal charges against you. 

Let us know what your intention is by today itself, so we can try to put this case on hold or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your doorstep. 

Do revert back ; if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding a legal charges against your name today. 
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded and executed. Submit your final intention between two days or we are not able to help you out this case more. 

Customer Notice : Title Loans should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX We have a settlement amount for you with easy weekly and one-time settlement amount options. 



1. If you can make one-time payment of {$1400.00} ( One-time case settlement ) we can close your case file with this amount only with the same day payment. 



2. If you are looking for weekly payment then you have to pay a total amount of {$2500.00} with payment arrangement and you can pay {$450.00} weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at : - mailto : XXXX Note : If you need to take care of this case outside of the courthouse or you need a payment arrangement plan option to hold this case outside of the court.submit your Intention about this case, you need to email us back immediately at : -mailto : XXXX Debt recovery Department Title Max Inc . 
Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/2020 a fraudulent charge of {$4000.00} was made with a convenience check on my Barclays credit card account. There was also a {$160.00} balance transfer fee that was charged to the account when the fraudulent check was used. Barclays has investigated the matter and credited me the {$4000.00} back HOWEVER they have not credited back the {$160.00} fee for the {$4000.00} check and it has now ballooned into {$230.00}. They continue harassing me with collection phone calls and yet when I call them I can not get through to the proper person who can do something about it. Its been over a month and Ive made dozens of phone calls. This is an abusive practice and I believe they deliberately make their phone system borderline impenetrable in order to avoid customers. It is unfair that this charge could go into collections and negatively affect my credit report. They need to resolve this matter of the fraudulent fee. I spent over 3 hours on the phone today and the lady I was speaking to kept apologizing but said she simply didnt know who to contact. These are abusive and unfair practices toward the customer and I hope youll work to resolve this with Barclays.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid down my credit card to better my credit score and improve my creditworthiness as I did to all my credit cards this month. Citibank deliberately lowered my credit limit immediately after my payment was made to intentionally blocking me into keeping my credit balance at a high credit balance forcing me to keep my credit score low. This was intentional and malicious and a deliberate act to intentionally harm me and my creditworthiness and to cause harm to my over all performance to do business and improve my life. This is an abuse of power and is not ethnically or legally correct. 
I was told that it was due to credit that was reported by XXXX. After speaking to XXXX they said that I have had 100 % pay on time and nothing has changed to worsen my credit for over 1 year. 
Credi card : Diamond Preferred ending # XXXX These are BIG BANK CROOKS!!!!!!!

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that XXXX XXXX XXXX  sent me.

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 2021-03-24 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: GA

Complaint narrative:
This is a WARNING to remove an Incorrect item from my Credit Report with Experian Credit bureau. I have sent several complaints with a copy of my ID and address to Experian and have been ignored several times about XXXX acct # XXXX. This account has been canceled and forgiven by XXXX but yet Experian continues on reporting this debt without Validation. XXXX  & XXXX  have both removed this account off my credit report ( Which I have attached a copy showing the two other bureaus removed WFDS acct ). But Experian continues ignoring my request with stall tactics. This is NOT a request for " verification '' or proof of my mailing address but a request for VALIDATION with proof not from an computerized generator confirmation system. I would like dates you contact the " individual '' furnishing my information and the method of communication. The burden of Validation is on Experian. At this time, I will also inform you that if Experian continues reporting invalidated information to my credit report, this action may constitute fraud under both federal and state laws. I will not hesitate in bringing legal action for relief through my state attorney general, FTC and report to XXXX  against Experian. For Violation of the FCRA, violation of the FDCPA and DEFAMATION OF CHARACTER. Civil Liability 15 USC 1692.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: GA

Complaint narrative:
I am writing to dispute those fraudulent accounts, i didn't initiate, I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

COLLECTIONS XXXX  Opened XX/XX/XXXX + {$240.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX + {$1900.00} Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$330.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$4100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$210.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$290.00} Original creditor : 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 2021-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I uploaded, through my account on the XXXX website, an application for Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF, on XX/XX/XXXX. Knowing Fedloan would deny my application for PSLF, I sent an email, on XX/XX/XXXX, to XXXX and requested to be reconsidered for loan forgiveness using the TEPSLF criteria. 

On XX/XX/XXXX, I received a PSLF denial letter through my inbox on the XXXX website. And on XX/XX/XXXX, I received a PSLF Qualifying Payment Update letter summarizing my qualifying payments towards PSLF. 

On XX/XX/XXXX, I emailed XXXX and asked for a status update on my TEPSLF application. I received a generic email response from Fedloan, on XX/XX/XXXX, stating, " Once you have submitted your request for consideration for the TEPSLF opportunity, please allow 60120 days to receive a response regarding your eligibility ''. 

On XX/XX/XXXX, I sent an email response informing Fedloan it has been 154 days since I submitted my TEPSLF application. And asked if there is any additional information they could provide- if someone was currently reviewing my application and if they are waiting on additional information. On XX/XX/XXXX, Fedloan responded my account is currently under review with the Department of Education and may take up to 120 days to receive a response. 

It has now been over 200 days, as of XX/XX/XXXX, since I submitted my application and I have not received any information from Fedloan regarding my TEPSLF application. Because of the many customer service troubles I have encountered throughout my history with Fedloan, I am concerned my TEPSLF application is in a perpetual status of " currently under review ''. 

I would greatly appreciate any assistance you could provide to me regarding my TEPSLF application. Thank you!

Company response to consumer: Closed with explanation