vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: AL

Complaint narrative:
On XX/XX/XXXX I used Synchrony 's online website to apply for a credit limit increase to a card that I have been faithfully paying roughly double the minimum monthly payment on, which was denied. My credit limit at the time on the card was {$1500.00}. On XX/XX/XXXX I received a paper billing statement as well as a notification of review of my account ( dated XX/XX/XXXX ) where I was told my account had been reviewed and Synchrony was decreasing my credit limit from {$1500.00} down to {$250.00}. I called immediately to find out why and was told my account had been reviewed and my credit score wasn't high enough. The letter containing my notice of a lowered credit line also states that my credit score was XXXX at the time of sending, but on Synchrony 's own website where it tracks your credit score, as well as using XXXX XXXX 's application, it shows my credit score was XXXX. So now by lowering my credit limit, it is also decreasing my credit score and they are using that to say I lack the creditworthiness of my original {$1500.00} limit ( of which I am never late ). Also, they are either reporting credit wrong, or using wrong data to support lowering credit limits, which in turn they are using to create worse credit scores, in perpetuity for an excuse. I am currently preparing to buy my first house, and as my credit score trends upward, lowering someones credit limit in order to generate a lower credit score then deny their creditworthiness is patently unfair, and makes me look like a bad borrower. When I called asking my credit limit to be returned to what it was, they said they could only do that by running a limit increase again XXXX of which I was denied, and they would not tell me why. ) As of the time my credit limit increase was processed, my score is currently XXXX XXXX XXXX ) and XXXX ( Synchrony ) reporting. Again, trending upwards because I am paying my cards on time and paying off old accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX a judgement was entered that Plaintiff ( s ) Capital One Bank take nothing for failure to comply with a court order/Docket Number XXXX , Trail Court of MA XXXX Department Civil Session. 
I recently tried to get this off of my credit via dispute but was unsuccessful. I called credit bureau/XXXX  on XX/XX/XXXX to have them explain why I could not have this removed seeing as I got a judgement of dismissal and sent in the paperwork. Person by the name of XXXX told me he sent documentation of court judgement to Capital One Bank and they refused claiming that I still owed the credit card debt. XXXX and I then called Capital One Bank dispute department together that same day and spoke to representativeXXXX ID # XXXX who claimed my debt was sold to a 3rd party/XXXX  XXXX XXXX, a law firm I have no documentation from. When I was summons to appear in court a few years ago it was from another law group named XXXX , XXXX XXXX XXXX , XXXX . who were representing Capital One regarding the debt I owed which was {$2500.00}. I have documentation from that law group with my account number to the Capital One card and the amount I owed but Capital One representatives are claiming they have no notes on this law firm and they can not explain to me why that law firm knew all of my information and took me to court regarding the account they are saying I still owe. 
I've spoken to other representatives of Capital One : XXXX ID # XXXX claimed I owed the debt and again claimed no information on law group/XXXX, XXXX XXXX XXXX, XXXX. is in their system. 
Most recent contact XXXX ID # XXXX FAX : XXXX Reference # XXXX on XX/XX/XXXX still claimed I owed money and that I should send them documentation but XXXX   already showed them court judgement and now I am not comfortable speaking with them any longer. 

I called XXXX XXXX XXXX to confirm their identity as I am worried about my information circulating and a person by the name of XXXX told me that he sees in their system that Capital One Bank sold my debt to XXXX , XXXX XXXX XXXX , XXXX . first but now they have it. This rep told me he can see that XXXX , XXXX XXXX XXXX , XXXX . were ''in the midst of something '' but now they have it claiming they possibly sold it before my court judgment and I am very confused how this is legal. This person also told me that Capital One Bank has reached out to them and told them to cease attempting to collect the debt until they do their own investigation. 
I filed with AGO today and am hoping to seek help from whomever can guide me on this. 
I'd also like to note I recently looked up XXXX , XXXX XXXX XXXX , XXXX . and it says they are not in business any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My credit repair company has sent out numerous dispute letters to LVNV funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as you can see through my company 's response letters LVNV Funding LLC has not followed up with a response letter or if they did it was a stall tactic which didn't provide proof of debt validation. Also, On XX/XX/XXXX, I sent out a pay for delete letter by certified mail to lvnv funding llc. In the letter, it stated the debt collector had 10 to 15 days from the date they received it which should've been received by the XXXX of XX/XX/XXXX on their end to reach a settlement agreement or else send full proof of validation. Its XX/XX/XXXX, which is well over the deadline and I still haven't received any correspondence letters from LVNV funding llc. Under the FCRA law, this account should be deleted from all 3 credit reporting bureaus being that its been well over 45 to 60 days since a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
Lender terms misrepresented and charged excessive amount of interest that was impossible to be repaid. I tried to make a settlement arrangement but they refused and had to incur penalties and fees for terminating bank account to stop the harassing withdrawals. Representative did not accurately explain terms. Disclosures were intentionally confusing and misleading. They have since hired a collection agency who is now attempting to collect the Unfair,  deceptive and abusive terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See attached for Transunion refusal to investigate a dispute I opened and they will not give me any results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have been a very good credit customer with Target for almost two decades. Over the years they have increased my credit limit to XXXX. On XX/XX/2020, I received a credit alert from XXXX XXXX. That alert indicated that Target has reduced my credit limit from {$12000.00} to {$3500.00} which can impact my credit rating. I checked my Target account and it did show that my credit limit was now set to {$3500.00} with no notification and no explanation. I contacted Customer Service immediately. I was told by the account rep that it was due to the fact that I hadn't used the card in six months. I was appalled given that they would take this action for non-use during the Covid-19 pandemic. I then requested to talk to a manager.  The 'manager ' told me that it was because I had a high balance on one of my revolving accounts which was reported by XXXX. She would not tell me what specific account nor give me any information on how to contact the credit reporting agency. Prior to this event - my total credit usage was at 8 %, but now it is at 11 %. They told me there was nothing they could do. I told them that I do not understand why they did not notify me of this change that impacts my credit rating and I only found out about it through another bank. They told me that it is nothing that they did and that it was because of the credit reporting agency actions.They also said there was nothing Target credit services could do to help me. 

As a result of this change my previous credit rating of XXXX has dropped to XXXX. 

I have a separate account that I recently took advantage of a 0 % interest deal to pay for a college fee of {$6000.00} for my son because I can pay it off gradually over 9 months instead of paying up front. I can only assume that is the account they are flagging - but I've had much higher balances on multiple cards in the past, temporarily, without these kinds of actions being taken, so my only thought is that they are likely cutting credit lines to many people to limit risk due to the pandemic. I paid off a lot of debt over the past year - including my vehicle and am almost done with a home improvement loan which was originally {$25000.00} and is down to $ {$3100.00}. This is disturbing because other accounts could take similar action because of this event and further damage my credit rating. 

I have been employed with my current employer for over 20 years and am able to work from home 100 % of the time. My company is doing very well through this crisis. I am very low risk for creditors, and this is very disturbing that they can do this and have this negative effect on my credit rating without even notifying me. I can only imagine what this could be doing to people that actually need to use their credit lines during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Iin XXXX I was on the a bad car accident in my XXXX XXXX XXXX. I was financing the car through Santander Consumer USA. I notified them in XX/XX/XXXX that I was in an accident and that the car was not in good condition. The insurance company wouldn't total the car due to the air bags not deploying. I sent the car to XXXX XXXX for appraisal. I was contacted by the Collison department manager. He advised me that the damages on the car were more than what insurance would pay. He also advised me that fixing the car would not make sense because of the damage. I notified Santander Consumer USA of this on XX/XX/XXXX. I was advised that they would retrieve the vehicle from the Collison condition and auction it off. The rep stated that once the vehicle is auctioned. They would send me invoice for what was left owed on the vehicle. So they told me they would take it from there. After not receiving any feedback from Santander. In XXXX I contacted them inquiring on the status my account and what was the outcome. I explained that I hadn't received any communication from them. I was advised by XXXX in the  Corporate office that they had abandoned the vehicle and didn't take ownership of the vehicle. I asked why hadn't I been notified of this, but no reasonable explanation was given. I was never notified or contacted by them. I stated that if that was the case thrm where is the vehicle? I asked why we're they putting the entire amount of the loan for the vehicle on my credit? I could've taken the vehicle my self. Thry didn't provide any proof of this. It never showed on my credit as a repossession. So basically they put this Vehicle ony credit as a charge off when in fact! They abandoned the vehicle. Taking no responsibility for it. So they say! Santander Consumer USA is despicable. They are crooks and misleading to consumers like me. They trying to ruin my credit because they failed to properly handle the situation. I feel cheated and robbed of my choice in this situation. The need to be held accountable. 
Signed Disappointed Single Mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: PA

Complaint narrative:
I am writing to complain about the extremely inconvenient and possibly willfully deceptive nature of deferred interest promotional balance repayments on the Lowes/Synchrony Bank credit card. 

I made a 12-month deferred interest promotional purchase on XX/XX/XXXX and expected, like with other payment systems, that my monthly statement would reflect my regular purchases plus the minimum monthly repayment amount on the promotional balance. This is not the case. My XXXX statement balance includes regular purchases plus the entire promotional balance, and Im left to manually calculate, each month, for twelve months, my actual statement balance less the promotional balance, plus the promotional balance divided by the promotional period. 

This is absurdly inconvenient and Im adamant that tens of thousands of Lowes customers with deferred interest promotional balances are not taking the time to do this, and are thereby either unnecessarily repaying deferred interest promotional balances early, or incurring fines for errors in their monthly manual repayment calculations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/XXXX and XXXX without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AL

Complaint narrative:
Tried to link my XXXX card with my PNC bank account and the bank wont connect to the card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

Company response to consumer: Closed with explanation