vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has lowered the limits on all my credit cards to half of what they were. As a result, I have never been late on any account. Unfortunately, this has significantly lowered my credit score by 125 points because now my credit utilization is showing almost double what it was because of their action. 

What is XXXX is that they say they are doing this because my credit utilization was going up. Synchrony is not the only financial company doing this ; I've had XXXX, XXXX, and others. My credit utilization was going up because my other credit limits were being lowered. They are ruining my credit! 

These companies purposely affected my credit score. Unfortunately, I'm not the only one suffering from this indignity. Many Americans are being subjected to this scam and during one of the worst crises in history. 

This should be illegal. If anything, freeze the credit limit and don't allow purchases once you reach a certain point. This would at least not affect credit scores. Credit card companies need to be held accountable for this action. The bills passed in Congress regarding mortgage and credit card forbearance don't go far enough. It should have protected bill-paying customers, so their credit scores weren't impacted. 

Credit Cards are needed, and during good times they sure don't mind increasing your credit limit. However, something needs to be done and quickly. This should be illegal. I could understand if I was late or late on other cards multiple times, but this wasn't the case. Calling doesn't help because they won't do anything about it. I hope some Congressional action is taken to stop this nonsense.

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 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MN

Complaint narrative:
My XXXX year old daughter received a NetSpend prepaid MasterCard in the mail, to our address, with her name on it. I, her mother, never authorized this account or requested it. It came in the mail on XX/XX/21. I want to report this 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 explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra wrong info : Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2021 XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX & XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$76.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Investigation took more than 30 days
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
on or about XXXX, Transunion INCORRECTLY totally DELETED and REMOVED my XXXX XXXX Credit card account! I disputed the balance only!! Instead they DELETED THIS ACCOUNT and Dropped my FICO score 15 points!

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 2021-05-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX  and Experian both have a judgment on me on file which was discharged in XXXX-XXXX  and refused to remove it from my credit report. Experian refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.

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 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Synchrony Bank by mail to request not to be contacted by any phone calls and only by mail on on XX/XX/2021. I have a signature verification from the post office that Synchrony Bank received my message/letters on XX/XX/2021. I sent/mailed evidence stating the numerous violations that the company has been perpetrated against me as the consumer, as well. I re-sent the cease and desist asking Synchrony Bank to not call my phone number again and to only contact me by mail with my request stated in my letters, I again have signed verification from the post office on XX/XX/2021 that Synchrony Bank received my letters.The company, Synchrony Bank has not granted my request, even after I noted and confirmed the obvious violations presented in my affidavits. I filed a complaint with the CFPB Case XXXX and Synchrony Bank stated that they would grant my wish about not contacting me by telephone on XX/XX/2021, but I am still receiving calls from Synchrony Bank twice everyday. The number that Synchrony Bank is calling from is XXXX XXXX XXXX XXXX. I am very stressed out about this situation as this harassment has affected my health in a negative manner. 

Please read thru the accompanying documents, letters, affidavits and invoices. 
I seek remedy due to this situation as I noted in the attached invoices. 

Sincerely the consumer, 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 2021-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
under my experian credit report its showing that its a XXXX  card that is on my account has a XXXX balance due on this card. The account has been closed on the grantor request which is because I kept disputing it so much. The status on the account is a charge off and it is not my balance. It shows 26 potentially negative months which is inaccurate as well as the other charges that were made.

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 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm a loyalty XXXX and American Express customers. But these two banks close all my credit cards accounts recently. XXXX : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my XXXX credit card account ... It's not fair. American Express : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. P.s : All my XXXX and AMEX credit cards have no balance due and I always pay the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax and XXXX  both have a judgment on me on file which was discharged in XXXX-XXXX and refused to remove it from my credit report. XXXX refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$15000.00}, {$4700.00}. 
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 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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Conn's, Inc.
State: TX

Complaint narrative:
I was out of work due to losing my job from the nationwide coronavirus. Starting in XX/XX/XXXX ending in XX/XX/XXXX. I was told my account would be on a freeze with no reporting ... .... around XXXX XXXX. I received a lump some from unemployment and paid {$640.00} towards my Conns account which I knew I hadnt made a payment on when I was out. My recipe shows that the payment wouldnt take effect until XXXX XXXX. Which mean the payment would go towards anything after that Day. I have contacted Conns and they told me it went towards the previous payments from XXXX. But my effective date says XXXX XXXX. So I shouldve have been charged for the past. And I have several late payments on my account because they applied the payments to what they wanted to. Now I cant close on a house because of these late payments. Since then Ive made a additional payment in XXXX due to the late payments being reported. I was told if I made a payment of $ XXXX-on XX/XX/XXXX it would would bring me current till XX/XX/XXXX. The payment was made. And I am still being reported late for XXXX XXXX and XXXX. I was not told by me taking this extension I would still be marked late/ if so I wouldve agreed to this arrangement. Conns have been updated my payment history up and down from 8 late payments to 5 to 3. Up and down. And is running my life and my credit report. I need the correct information. And these late payments removed and my {$640.00} payment applied to what was printed a my recipe to me from them. XXXX soon as possible. I also made a additional payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm a loyalty Chase and XXXX XXXX customers. But these two banks close all my credit cards accounts recently. 

Chase : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my Chase credit card account ... It's not fair. 

XXXX XXXX : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. 

P.s : All my Chase and XXXX credit cards have no balance due and I always pay the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I have a loan through Community Loan Servicing, I applied for a loan modification back in 2019, after months in the application process they finally approved me, but they did right in the middle of the COVID 19 crisis. I made two payments in the three payment agreement but my hours were cut cut to the crisis, and I ask for a forbearance, And I was granted it. After I was granted the forbearance, Community then said that the modification is in default. I have returned to my work full time and have been promoted to a higher pay than I was when I was granted the original modification. I have applied for a new modification but they also are stating that they might proceed with foreclosure proceeding as well after the forbearance ends at the end of XXXX. I believe that this practice is unfair, and is meant to deceive the mortgagee holder that they had protections under a forbearance they really did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
This was a rebate gift card from American Express. It was my understanding that they could not charge monthly fees if the account was active and being charged. I have been charged a monthly {$2.00} maintenance fee even though I've been using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
to Transunion, I XXXX XXXX, am not a third party. I am victim of identity theft. please see the attached FTC for your review

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 2021-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX and I have a credit accounts with Bank of America. Since 2018 I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX  XXXX for XXXX and finally at the XXXX XXXX XXXX they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the XXXX of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am deaf and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.

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 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC
State: AL

Complaint narrative:
I tried calling and talking with Service Finance Company to send me a copy of my contract agreement on aroundXX/XX/2021. I talked with XXXX he refused to talk to me told me to call XXXX XXXX  the people that opened this loan in my name. I called XXXX XXXX talk with XXXX asked him for a break down of the equipment and the contract for the loan that is in dispute. They finally sent me a copy onXX/XX/21 and I cancelled the the contract the same day I received the contract. Stated by the NOTICE OF RIGHT TO CANCEL : ( 2 ) & ( 3 ) of the agreement.

Company response to consumer: Closed with non-monetary relief