vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: MI

Complaint narrative:
I logged in to my Walmart Account ( Synchrony Bank ) to make sure that my account was set up for payment. I noticed that my credit limit had decreased by {$350.00}. I used the on line chat and the person was not much help and said that I will get a letter in the mail. I asked to speak to a supervisor and I said I do n't understand that I have never missed a payment and she said it has to do with my credit score. While on line I pulled up my Fico report and said since you issued me the card my credit score has gone up over 25 points so that is not the reason. She said to wait for the letter. In the meantime I got a Fico alert that my credit score decreased by 25 points. I logged on it was due to the credit limit decreased imposed on my by Synchrony Bank, nothing else had changed. Credit Limit Decreases look extremely bad on your credit report. I then waited for the letter and the credit score they have listed and what my XXXX credit score on their " website '' ( yes, they show the actual Fico Scores ) was not correct. My credit score was much higher then the letter they produced. They are trying to blame transunion when in fact this company does practice what is called credit chasing. You use your card and pay it off and then as you begin to use it again, they start decreasing the limit. I looked on my Fico forum and there are tons of complaints where Synchrony Bank has done this to many cardholders for many retail accounts. And they send a notice about two weeks later, meaning if you go to the store and use their card and you are unaware of this you could get denied and embarrassed at the check out. This should not be allowed. If I had missed payments, abused my credit or my credit score actually did decrease significantly then definitely I could see that they want to protect their money. But not only was this not true, they actually made up a score to decrease my limit.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has closed my secured credit card sometimes in XXXX of XXXX. I have found out about it in XXXX XXXX. I was told I should be getting my security deposit back to my checking account soon. In XXXX I still have not been given back my security deposit of {$600.00}. I n XXXX called again and got answer that they sent refund check to the address I do not live no longer. they were supposed to return money o my checking account two months ago. I was told I can go to any branch and request refund there. ( not  true ). I want to the branch and I was told I have to wait till and of XXXX to make stop payment to reissue new check. By that time different source told me that I have cashed the check what was not true ( someone else took it and cashed ). I sent the fraud form the bank branch and they claim that there is no form on file to process it. next time I was told there is a case but not assigned to anyone. case number was never given to me at no time. it ahs been 6 months and I have not gotten my money back

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by 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 2017-09-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: ID

Complaint narrative:
I 'm trying to buy a home in the area I just moved to 6 months ago with my family. My credit score is excellent for XXXX, XXXX and equifax. I always keep my credit reports locked. I am able to unlock both my XXXX and XXXX report, however, I am not able to unlock my equifax credit report. This is blocking me from getting a new home loan. I 've called number after number from equifax, however, nobody will respond. 

XXXX XXXX XXXX XXXX This is effectively locking me out of the credit market and not allowing me to buy a home because all conventional loans require a 3 credit report review. Help! 

Equifax needs to be able to unlock my credit report so I can get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I became XXXX and my income severely dropped however I should have had mortgage insurance that was supposed to cover the Cost if I died or became XXXX. Now Ocwen says that I do n't have that.

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 2017-09-19 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: Freedom Mortgage Company
State: CA

Complaint narrative:
My Mortgage Company - Freedom Mortgage has reported that I did not pay my XXXX 2017 Mortgage payment. I did pay my XXXX Mortgage payment and they immediately cashed my check although they state there was an increase in my impound account, which I was not notified of. After numerous phone calls to resolve this issue it appears to have been a bookkeeping/automated check deposit error. Yes, apparently my impound was increased in XXXX, I was not made aware. They deposited my XXXX payment which is made automatically through my bank. Also XXXX. Each month my payments are made on time and I had no reason to believe that there was any problem. They are saying I did not make my XXXX payment due to the increase my check was put into a " suspense account '', but cashed immediately and NOT APPLIED to my account. They then reported to my credit history that I did not make my XXXX payment. I have spoken to several people within the company, most recently Vice President XXXX XXXX at XXXX. He is in California. He said his Correspondence Group is denying retraction of the bad credit for non payment. Also today 's recording of my amount due is different than what my recent statement indicates. I have bank statements showing all payments made in a timely manner. Please help me. I have an FHA loan and was getting ready to refinance to a Conventional loan. I have over {$300000.00}. in equity in my home and have owned it for 14 years and never missed or been late on a payment and was n't this time. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA 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 2017-09-19 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NV

Complaint narrative:
Someone attempted to obtain credit in my name on several occasions. There are several fraudulent inquiries on my credit reports. I was told by Transunion to file a claim with the consumer that requested my report. The consumers directed me back to Transunion to file an inquiry dispute. Since i was unsuccessful at obtaining assistance from either company, I reached out to the police department. The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. 
I 'm completely stressed out and on the verge of s nervous breakdown. I would have never thought that it would require so much time to file a dispute for fraud. I have a fraud alert on my credit report now. 

Please see highlighted yellow areas on credit report- please help me, I have no where else to turn to. Inquiries are as follows : XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( my credit was ran 4 times for the same company ) XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ) XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ), XXXX XX/XX/XXXX- XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 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: MI

Complaint narrative:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I noticed that I had a negative item on my credit report from Portfolio Recovery Associates. I immediately disputed the debt with all 3 credit agencies. I then began to receive calls at my work at different times and reached out to the President of the company via email. See attachment. Since then Portfolio Recovery validated the debt with the agencies and I disputed again because they did not provide any documentation to the debt. I received from XXXX two credit card statements. There is no information about the transactions dates or any last payment information, dates or contract that I signed for this credit card. I disputed again as I do not recall ever having this account. They also are pulling my credit report every month without my consent. I have not authorized them to do so. As stated in the attach letter if they did not remove this from my credit report report in 15 days from XXXX XXXX, 2017 I would file a complaint with FDCPA and I have actually given them 30 days to comply. Next step is in bullet point # 3 if they do not honor the request I have put forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Phone call made on XXXX to close Business checking account. After being told that my account would go into a closing procedures I was told all transactions would be stopped or put on hold, and that a check would be cut for the remaining balance of {$1700.00} by mail to my personal address. 

A charge of XXXX for {$870.00} went through my account, and I did n't know until I got my statement and I was still waiting for a check in the mail. At this point I was confused and called the XXXX, and filed a claim dispute as the agreement between this company and I were done with our contract. I reached out to this company and XXXX to no avail for a solution. 

In the end I waited a week to call XXXX back to see the process of my claim, and they claim that I was suppose to be responsible and notify them within XXXX hours of charge. I was not expecting anything to be put through if I was told my account was on hold. In fact I expected them to just send me the remaining balance and assume it would be here instead of getting a statement notifying me that I was charged for an unauthorized charge I did not give consent. 

Now what if someone went on vacation and charged {$13000.00} to an account and I did n't get back until XXXX days later, would I be out of that money. That 's not the way to do things and for XXXX policy to be within XXXX hours is absurd. The XXXX at the XXXX NY XXXX XXXX branch had stated the same thing. And how come a personal checking account is givin a grace period of XXXX days and the business account is not. I will not settle for XXXX being a corporate XXXX, and will not do any of my personal banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: MI

Complaint narrative:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.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 2017-09-19 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: MI

Complaint narrative:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

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