vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.

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 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied on line for low interest refinancing about 6 - 8 weeks ago with Wells Home Mortgage loan. Soon, someone from the Loan office contact me by phone and took the application by phone. Te conversation was recorded by Wells Fargo. 

Wells Fargo was supposed to get back to me for further review and process the Refinancing process. 

Since then, no one from Wells Fargo has not contacted me. I even trired to refinance for with low interest rate with XXXX XXXX and XXXX XXXX companies. Wells Fargo declined to provide those companies the correct information. 

Currently, Wells Fargo charges me 3.85 % per annum. Wells Fargo want to keep me at this interest rate for it's own good. 

Wells Faro is a XXXX mortgage company who dwells on XXXX people to charge higher interest rate. 

Wells Fargo is operated by White, XXXX, XXXX XXXX Executives who have XXXX XXXX. GOP ear. Wells Fargo should be revoked from practicing in the " Great State of Maryland. '' and their License should be revoked. 

I suggest the Management should be hamulated, Lynched and evicted form Maryland. Three is no place for racism. 

Wells Fargo is run by XXXX XXXX, XXXX XXXX. 

XXXX Lives Matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.

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 2020-12-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to XXXX, XXXX. XXXX this account is open and late dated XX/XX/2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.

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 2020-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I checked my balance principal before starting grad school for my XXXX to make sure I could cover the balance. I also contacted the school I was applying to. When all was cleared I applied and started my degree. In XX/XX/XXXX my unpaid principal and balance was {$90000.00}. Not long after starting school I was informed that Navient had " found '' XXXX dollars in loans and interest. This was tacked onto my total cost and has put me in a situation of financial hardship at the end of my program. Now the school is saying that I have run out of funds for Federal Student Aid- a situation in which I made sure to avoid before starting my PhD. Furthermore, I have contacted Navient on this issue. They have started investigations that have been dropped, told me that I was right over the phone and that these totals in XXXX do not have an origination and are not connected to a school. I have recently sent out another email to Navient asking about the situation and the investigations- and have no response as of yet. This is fraudulent. I know the company has been in some trouble but tacking on loans to student accounts that are not real is illegal. I'm sure I am not the only student that has costs on their account that can not be backed legally. Navient refuses to respond and investigations keep disappearing. I have proof and paperwork and account balances leading up to the change in funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Citibank didn't have any additional payment options for my account. Most of the representatives that I spoke ( online chat ) to were deceitful in attempting to get me to agree to a payment option with the understanding that I didn't have the income to pay the full amount. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay $ XXXX monthly for both 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 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Filed a City credit card dispute re {$65.00} charge for an unsatisfactory XXXX XXXX XXXX service XXXX Disputed the charge with my Citi credit card online -but I had no scanner to send them all the additional documents in time, and my internet was cut for 2 months since I was in the hospital due to covid related respiratory problems, I was 1 month late to submit doc requested by citi card dispute service deadline of XXXX The dispute was denied due to late documentation-and Citi threaten me to send my acc to collection even is in good standing? Unnecessary cruelty? 
attached In the same time City customer service sent me a letter to confirm I am eligible for assistance? I asked assistance to waiver of the deadline to send my doc but they refused me.I appealed this decision but refused again.Where is the promised assistance? I did not asked for any money or later payments. 
Why the Dispute department is not aware I am qualified for assistance and they are insensitive maybe too lazy to contact the merchant in an attempt to protect abusive businesses and hurt customers after the promised " assistance ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a store credit card from Synchrony Bank for XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, NY. The account number for this XXXX XXXX XXXX XXXX XXXX was : XXXX XXXX XXXX XXXX. 

This credit account has an excellent credit and payment history. I have never been late. I have always paid all my promotional purchases within the timeframe of the promotion. 

I have several other credit accounts from Synchrony Bank. None of these accounts are general-purpose credit cards. All of them are store cards. All my accounts have always been in excellent standing. I have never been late, and I always paid my promotional purchases within the timeframe of the promotion. 

Most of the time, my account with Synchrony Bank carry a balance of XXXX XXXX XXXX XXXX. 

Sometime during the week of XX/XX/2020, Synchrony Bank decided to close the XXXX XXXX XXXX credit account. I learned of this fact by doing my weekly online check of my credit accounts at the Synchrony Bank website. 

I contacted Synchrony Bank. No information was provided to me as to why this account was closed. The representative tried to offer several contradictory pieces of information : ( a ) the account has been inactive for too long ; ( b ) the account is not closed ; ( c ) Synchrony Bank is sorry for the inconvenience. 

There is no requirement for this account to incur periodic charges in order to maintain its active status. When I asked SynchronyBank to provide me with a reference to this requirement, they were unable to do so. 

What Synchrony Bank did not address is the materially adverse effect the closing of this account has had on my credit score. The closing of this account has caused my credit scores to drop by 20 points with the three major credit bureaus. This, in turn, will have an adverse effect on my general credit. 

Synchrony Bank 's action is also a blatant misrepresentation of my creditworthiness : the account was unilaterally closed by Synchrony Bank for no reason.

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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay 's Bank on 3 separate occasions has reduced the credit limit on my Frontier Airlines Credit Card and XXXX XXXX Mastercard. I have never been late with them or any other card since carrying these. Their practice is predatory because all it does it look like on my credit report that I am not managing my cards with them correctly and that has a downstream effect on other lenders. In addition, by them reducing my credit limit it has a very impactful negative consequence on my credit report because it raises by debt-to-income ratio. This can not be legal! Credit card companies should not have free will to reduce consumers credit limits unless they have a valid reason ( late on this card or another, or did not follow the credit card holder rules/standards ). By doing this, they are ruining people 's credit profiles. Please step in and stop this. I have tried continuously to get them to reverse it and they give me the run-around. Need help!

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 2020-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: NY

Complaint narrative:
XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to Transunion, XXXX. XXXX  this account is open and late dated XX/XX/XXXX. 2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.

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 2020-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXXl XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX 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 2020-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.

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