vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: NJ

Complaint narrative:
A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, Experian, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax, XXXX, and XXXX  are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies.

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have been been treated unfair and poor unethically under hand tactics. I ant my mortgage payments applied to my mortgage and not in suspense and credit to bring account up to date. Now there is almost XXXX in suspense account not credit to account. Second I sent a money gram well over my regular payment to make up two payment with more money not credit to account in XX/XX/XXXX they say they do not have it. XXXX  XXXX said they do no response from them. Third I have sent this company XXXX in check free bill payment electronic and money not credit to account and no they want to take legal action. This is not right and can not talk to anyone but received letter from their attorney a week ago. They can return all my money in question and i will send an overnight cashier check if that is better but it's not fair i have to pay twice for money they already have need help. 
XXXX XX/XX/XXXX total XXXX with money gram sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made contact with Synchrony Bank in Early XXXX about a recent credit limit REDUCTION on my PayPal Credit Mastercard as well as my PayPal Credit Account. This comes after the Coronavirus COVID-19 outbreak occurred. I have multiple other credit accounts with other banks ( 2 with XXXX, 2 with XXXX XXXX XXXX, 1 XXXX XXXX, 2 with XXXX   XXXX, etc. ), and NONE of them have lowered my credit limits during the Coronavirus COVID-19 outbreak. 

I've actually made some headway and paid off some cards earning some extra money. So, to my surprise this was happening after reports had come out in the media that some banks, including Synchrony are lowering people 's credit limits with the shutdown continuing. I am still full-time employed as I am deemed essential personnel working in the telecommunications industry. 

So when I received notification from running my credit report that this had happened, I reached out to Synchrony Bank about this. Their response was " we run every customer 's credit every month and make decisions about credit limits ''. I said, nothing has changed in mine, I pull mine every month myself to keep my eyes on it after having an identity theft situation a few years ago with the IRS. 

I told them I wanted to file a challenge/complaint to it. They took my information and said they'd get back to me, but the associate on the phone with Synchrony ( after being hung up on once for not accepting what they were telling me when I was asking for a supervisor ), said " We can do whatever we want ''. 

I received a letter saying that their decision stands. My credit limit was cut as follows : PayPal Mastercard : {$1000.00} ( card  was free and clear ) down to {$100.00}, and {$950.00} PayPal Credit down to {$590.00} ( which was close to what I had on it, making the card maxed out ). 

This negatively impacted my credit score showing that I had the reduction in addition to the cards about maxed out with these limits significantly reduced. 

I have never had a credit reduction in my life. This is the first. And this was not done until we were 1.5 months into the Coroavirus COVID-19 quarantines. Even after I explained the situation and my situation and told Synchrony Bank that they are using the Coronavirus COVID-19 outbreak as an excuse to do this since this has never been done before and I have had these lines of credit for multiple years, the lines were reduced. 

They need to restore the credit I had before and not abuse their power to consumers during a pandemic situation to save themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
On XX/XX/XXXX I applied to refinance my home loan with Wells Fargo and was approved. Wells Fargo assured me that we would close on the loan before the end of the year. But the loan has still not closed. On Saturday, XX/XX/XXXX I received a letter from Wells Fargo saying that I requested my loan application be canceled. The letter states that our loan application is no longer active in their system. However, I did NOT request that my loan application be canceled and I still want to close on this loan. 
I would like this matter resolved in one of the following ways : The loan should be processed and closes at the APR in the original rate lock by the end of this month.

Or Wells Fargo returns the money I spent on a home inspection and reinstate access to my line of credit with Wells Fargo ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts 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
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. Transunion, XXXX, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, XXXX, and Equifax. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: LA

Complaint narrative:
XXXX, TransUnion, and XXXX are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies. 

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX 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
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am wiring to complain Chase did not fulfill its promotion agreement with its customer and chase unilaterally doubled its requested deposit period time from 90 days to 180 days. Although Chase bank advertises that whoever opens an account with a deposit of XXXX dollar and keep that XXXX balance for 90 days would receive a XXXX dollar credit in XXXX   XXXX. However, in real practice, chase changed it from 90 days to 180 days. During that 180 days, I received almost 0 % of interest rate for my XXXX deposit at Chase saving account. Chase unilaterally doubled its requested deposit period time which costs loss on my other potential investment opportunity. 
Because of Chase internal system and departments communication and connection issues, as a client I had to spend tons of my personal time to visit, emails and calls to sort out the internal issue in chase. That caused a lot of stress, energy and my time loss. 
Chase doubled the requested time unilaterally caused me loss other potential investment income thus chase needs to compensate me for the another bonus credit. 
Chases practice also caused me tremendous stress and time loss which chase also needs to compensate me. 
As an individual I dont have the finance and legal resource as chase who is a big corporation does. However, it is not fair for chase to take advantage of individual client who dont have such a resource as chase and to punish client because of chases own internal issue. 
I am here to ask Chase to compensate me for {$1000.00} as above loss which I did not count any compensation for my stress and time loss. 
Thank you for your attention to the issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: DE

Complaint narrative:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts 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
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts 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
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: NJ

Complaint narrative:
To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 
2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 
3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 
4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. 

Please see attached detailed account of my dispute with the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Broad issue - A doctor 's office that I had used incorrectly referred a bill to a collection agency ( XXXX XXXX XXXX ), who subsequently reported the placement to the three major credit bureaus. This bill had been paid before it was ever placed - because it was placed in error, XXXX XXXX XXXX  stated that they would fully delete the collections account from all three bureaus ( see confirmation letter attached ). 

Both XXXX and XXXX XXXX completed this deletion within ~24 hours. Equifax did not, and instead reported it as paid/XXXX balance, but continued to leave the record intact. I initially disputed this with Equifax on XX/XX/XXXX. Unlike the other bureaus, they took until XX/XX/XXXX to reply back and to let me know that they were only reflecting it as paid ( not deleting it ). I  thought they must have missed the point around deletion, so submitted another dispute on XX/XX/XXXX, including the letter from XXXX XXXX XXXX attached here. On XX/XX/XXXX, they responded that the debt was verified as mine, and therefore they would not change the reporting. They are completely missing the point and the evidence that the entire tradeline/collections report is invalid. 

I am currently in the middle of a mortgage refinance that is being held up by this issue, and am considering filing a lawsuit against Equifax to resolve this. I don't understand why the other two bureaus can resolve it so quickly and smoothly, while Equifax repeatedly ignores the evidence submitted. I also called their customer service line, and got multiple agents that ultimately provided no help at all. 

I want this trade line deleted, as it should have been in the beginning, and as XXXX XXXX XXXX has confirmed that they processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.

Company response to consumer: Closed with explanation