vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: Collection Service Center, Inc.
State: PA

Complaint narrative:
I had services completed at XXXX in XXXX  PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to Collection Services Center in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from CSC I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with XXXX  and they denied my claim stating the information is correct and I owe money. I called XXXX several times and CSC regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have no knowledge of this account. I have not been contacted via email, mail, or phone. Therefore i have not been allowed my rights to dispute this debt!!

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 2020-06-25 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} 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 2020-06-25 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} 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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank had closed my account after provided the information requested for no apparent reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
A SETTLEMENT WAS MADE BETWEEN BORROWER AND FINANCE COMPANY. DEBT WAS RESLOVED PAID IN FULL

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC is refusing to allow my account link to XXXX. XXXX has the necessary selections and even logs me into the PNC account during linkage. PNC does not allow the usage to proceed any further. I can not transfer funds to/from my brokerage as PNC does not allow linkage to XXXX from their website despite allowing other brokerage links.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a card info in my credit report JPMCB CARD, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have 3 XXXX XXXX credit cards since XXXX excellent payment history. One of the suppose to have no pre- set spending limit in exchange for a {$500.00} year annual fee. But that was not the. Case for 7 years American Express DID assign preset spending {$4000.00} which they never set to the preset spending limit as promised. Still I continue to pay the annual fee for 7 years along with {$100.00} each for other 2 separate cards. I kept complaining when are they going to do what is promise in the contract of no preset spending limit. America express just gave me excuses. 
FINALLY enough is enough. I made a payment. On XX/XX/XXXXon all two cards and The agent told me no payment is required on the platinum card. Days later the shut down all three cars because they said I did not make a payment on the platinum card. I explained I was told not to make payment on the platinum card by your agent and why did you shut down all there cards when two was current. I demand an investigation and I also demanded a full refund of the {$500.00}. Yearly fee for full duration that they did not give me the NO PRESET spending limit. Fort 7 years. The kept stalling in with multiple investigatorion while they were adding late fee and interest why they were inverstigating what happen. They have Fruadently added charges with all the fees for the next year while they were doing there investigation closed my account and doubled what was was originally owed and refused to refund my annual fees $ 500x 7 years. Plus {$100.00} for each of the two cards the blue and sky card they cancelled eventhough is it was current. But they cancelled because they reject the payment for the America express platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXXThis is what is mentioned on the investigation report ( this response does not define / comply according to the law as to what they call 'Results'- this is rather a statement from Equifax and not a validation as requested by me. 

They have also asked that I notify the data furnisher 'USBK Court XXXX   Florida ' as well. I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX  Florida ' as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX  Florida ' asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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:
On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX  account reporting on my credit file. Every dispute has resulted in Experian and XXXX  responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX  in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that Experian and XXXX  and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.

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 2020-06-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX I received an email from Citibank about my revolving credit limit. My revolving credit limit was {$15000.00}. On XX/XX/XXXX the email advised me that my new credit limit was {$3300.00}. I have never once missed or been late with a payment to this account ( or any of my accounts for that matter ). This left me with an available balance of approximately {$90.00}. In the middle of a pandemic when I needed them the most, they took away my entire credit limit. I checked with XXXX  to make sure I didn't have a problem. There is nothing delinquent or derogatory on my report. My credit score is XXXX, maybe not perfect but decent. Citibank advised me that my credit was reduced due to my credit score. 

When I asked to be transferred to the credit department they told me they were unavailable for phone calls and that there was no way to reach them. HOW SHAMEFUL IS THAT??? I can understand in these trying times to reduce a credit limit, but to reduce it by {$12000.00} is completely unacceptable. When I asked to put a partial amount back they refused. Citibank should be ashamed of themselves!!! 
Sincerely, 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Multiple payments were made to payoff PayPal Credit. While the customer service representative stated that the terms of service specify that some payments may be applied, there may be a funds hold when the amount exceeds an undefined threshold or multiple payments are made within an undefined period of time. She mentioned that had the payments been for {$1500.00}, there would have been no issues, but since they were {$2000.00} and more, there is now a 12-day hold. The payments were made on XX/XX/XXXX and cleared on XX/XX/XXXX. The company, Synchrony Financial refuses to contact the bank or asks for faxes or to mail in copies which would still put us over the 12-day hold. At no point during the payment process were there any warnings stating that making a payment over XXX amount or making extra payments would cause the funds to be on hold. Since by the time this complaint is processes the funds will be available, I do not accept the answer that the issue has been resolved, as this will be a problem again for me or other customers that decide to make either multiple payments or payments over a certain amount.

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 2020-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I submitted 3 requests to First National Bank for a loan modification on our current mortgage. We have been denied each time due to insufficient income, which is exactly why we are requesting the loan modification in the first place. We have suffered job loss and severe income loss and the loan modification request is to help provide us with a lower payment while we continue to re-build our income. 

The letters mailed do not provide detailed information regarding how they came to terms with determining that our income is insufficient even with a modified payment. When I call and speak with someone every time, they only read notes on the account and do not go over detailed information with me ( DTI, NTV ) nothing. All I am told is that this is a FHLB loan and they ( the loan servicer ) don't make the decision, that investor does, who we never speak to. 

We are current in our loan payments, even with the high amount and they are telling us that we can't afford a lower payment even if they lower our payment. That is absurd and this is predatory at this point. No one is willing to work with us for other alternative options, nor have they offered us any alternative options. 

We want a loan modification and to keep our home without sacrificing our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: MoneyLion Inc.
State: GA

Complaint narrative:
I have had a fraud alert on my credit report since 2015. XXXX  seems to be the only credit reporting agency that refuses to remove incorrect information, due to fraud. I have verification that certain accounts were removed including the one account in question with moneylion. I have been told that it was going to be removed but it still remains. Please remove this account from my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX we were in a modification agreement for our home. We made all payments as requested and responsibly per agreement. Then in XX/XX/XXXX I received a notice of trustee sale foreclosure. We then obtained an attorney and won the case due to the loan care servicing center not honoring their original modification agreement and intern they would correct our credit score rating as they indicated we were delinquent on our payments so we would be able to refinance our home. Since then I have worked with our attorney and filed several complaints against the in accurate information reported on our credit reports stating delinquency without success and now are facing another foreclosure incident. We also lost a small business operating under a rental agreement due to the Covid medical situation which has put us into a financial burden. If this had been originally fixed we would be able to refinance and continue making payments please help us obtain the correct information so we are able to refinance and remain in our only resistance.

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 2020-06-25 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX while in College, was approved for a Discover Credit card, Joint with his father, XXXX XXXX, XXXX Due to financial situation, loss of his father job. XXXX XXXX and wife XXXX XXXX, filed for chapter XXXX Bankruptcy on XX/XX/XXXX. During the XXXX hearing for creditors, did not show up to dispute this debts being our bankruptcy petition. On XX/XX/XXXX we received a discharge for this debt. After our discharge, Discover Credit Service, transferred the {$1000.00} final balance to XXXX XXXX XXXX credit report, to continue to punish his for a debt, already written off from Discover Credit Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a Citibank customer and have been for years. I understand that they have to right to reduce your credit limit but they reduced my limit by {$9500.00} in XXXX  0f 2020, my balance was only {$2200.00}. I have had mortgages for a few hundred thousand dollars in the past and have always been in good standing with them for years, never missing a payment. This dramatic drop in my credit line of {$9500.00} left my card maxed out. They did not have the decency to even notify me they just did it. When I got an alert that my credit score went down 75 points, I researched it and found out it was because of my debt to income ratio caused by Citibank in reducing all of my available credit to what was owed. I immediately called Citibank. I have a secure job with the Federal Government for over 10 years, and COVID 19 has not impacted my ability to pay my bills and I have not lost any income. I explained to the Citibank customer service representative of a situation my family is experiencing and that I recently had to take several loans out to assist in my XXXX old grandsons treatment for XXXX XXXX for his medical bills. I explained this to Citibank and they didn't seem to care. I also disclosed that I had significant savings in my savings account of over 30K presently to cover all of these bills. I will not recommend them to anyone and once I'm done paying off this card I will no longer be a customer of theirs. They showed no empathy for my situation, I never asked to extend payments or for any assistance. I want to file this complaint to show how insensitive they are as an organization with no care to their customers needs. To reduce my line of credit to what is owed has severely impacted my credit and has caused more issues, this is not a way to treat your customers.

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 2020-06-25 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:
Transunion refuses to removed unathorized inquiries on my credit. I advised them that I am unable to get a letter of deletion from the creditors. Their response was that if I am unable to get the letter, it will remain on my credit for all of two years. They have no other alternative and this is simply unacceptable. This is causing me unneeded distress and frustration by pulling my score down, where I am not able to qualify for a home.

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