vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have XXXX XXXX from Synchrony Bank since XXXX. I did not use the card at all in the last year, as I did not go for shopping because of pandemic. When I used the card the year before, I always paid all of my debt on time. 
In XXXX, bank reduced my credit limit less than half, without any pre-information. I understand that they have the right to change the credit limit based on my credit score and payment information. However, I do not have any debt to this credit card, to any credit cards, and I have " excellent '' credit score.

I used to have " excellent '' credit score. This all of a sudden reduction of the limit reduced my credit score 31 points! A significant reduction! I am in the process for buying a car and such reduction on my credit score will not be helpful. 
When I sent and email to the bank to inquire the reason of the reduction, a generic email is sent to me saying that they can reduce based on my payment history and credit score. But, both are not applicable to my situation. When I called them, they told me because I have not been using my credit card for a year! This has not been written on any part of the statement that I have to use my credit card! Ridiculous! They also told me that they could increase my credit limit if I ensure them that I will use my card! Is not it a thread? If I will not use my credit card they will keep my limit low and therefore my credit score will go low. 
As I said, because I am in the process of buying a car, I had to ensure them that I will use my credit card and they increased my credit limit to {$5000.00}, immediately. But, I also ensured them that I will complain about this, which I am doing now. 

If this is a common practice, I would be very happy to be informed. If this is not, then, I believe you will handle such misbehavior of the financial company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: IL

Complaint narrative:
I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime  to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a letter plus I did a dispute but they keep putting address on my report that are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I made 2 purchases of {$50.00} each of Bitcoin on Coinbase ( total {$100.00} ). 

On XX/XX/2021 Coinbase withdrew {$50.00} three times from my bank account ( total {$150.00} ). 

I have sent several emails requesting a refund of the third {$50.00} withdrawal. 
All I get in return is a generic email with no name attached telling me that the issue has been resolved, but it has not. 

They still have not deposited a refund in my Coinbase account or in my bank account as of today, XXXX 

Apparently no one has actually looked at my account to resolve this. 

Also I have received these dismissive responses for other inquiries. They just send an email saying the " case '' is closed. Less than helpful customer service. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: World Acceptance Corporation
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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:
XXXX XXXX is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

XXXX XXXX has the following in its possession 1 ). the approved forbearance letter from XXXX XXXX, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from XXXX XXXX that the mortgage was paid-in-full on XX/XX/2020 and 3. ) Equifax credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at XXXX XXXX on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with XXXX XXXX, dated XX/XX/2020. XXXX XXXX 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XX/XX/2021, XXXX XXXX XXXX  declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile. 



XX/XX/2021, XXXX XXXX XXXX XXXX declined my option to open a checking account based on ChexSystems records indicating that there is a 3rd party alert on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ERC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AK

Complaint narrative:
I have submitted all the document to TransUnion that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX  CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

TransUnion even went so far as to block me from being able to log in on their websites and when I called them, they said I was " ineligible '' for online services. I don't know how anyone can be deemed " ineligible ''. A company can collect and keep MY personal information, information that affects MY life, and yet they can BAN me from seeing it, even if I am willing to PAY for their services. 

They will also only let you dispute 1 item at a time, which is also WRONG. So, I have no choice but to continue to complain and force them to do their job through CFPB. 
Attached are all the supporting documents showing the bankruptcy, on PAGE 19, XXXX was listed as a creditor, the discharge from the court says ALL student loans were discharged. XXXX DID NOT show up to the meeting of the creditors to stake any claim. They can not sell off a discharged debt 3 years after bankruptcy. THEY ALSO can not CONTINUE to report it as COLLECTION or LATE PAYMENTS! WHILE AT THE SAME TIME, the COLLECITON COMPANY is doing the SAME THING! 

THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged. 

REMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me have the protection that was RIGHTFULLY given me under BANKRUPTCY law. If XXXX bought a bad debt from XXXX after discharge, they need to take that up with XXXX for breaking BANKRUPTCY law. THEY are NOT allowed to come after me 3 years later just because XXXX chose to try and send it to someone else after Bankruptcy to try and collect on. I am tired of XXXX and XXXX reporting this as COLLECTIONS/PAST DUE. I WANT THEM REMOVED 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 non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Suntrust didn't pay my property taxes at the end of the 2020. I have tried to get them to pay taxes and penalties accrued to XXXX XXXX, but they still haven't paid the taxes and I am receiving notices from the city that they are planning to sell the property to get the tax. I have called Suntrust several times, has spend more than 10 hours waiting for their representatives, but the problem is not solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I would like to let you know that BofA is NOT handling my second draw of XXXX submission in a timely, professional and COMPETENT way. Not only the wait to get to talk with a reviewer are off the charts, but the INCOMPETENCE OF THE PEOPLE handling it is bigger than the beautiful moon we see every night! I submitted the application on XX/XX/2021, and as of today I have received and made countless phone calls that until today got me NOWHERE!! 
It seems nobody gives the right amount of care to this issue! thank you for reading my complaint.. 
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 2021-03-10 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: SC

Complaint narrative:
I was contacted by XXXX XXXXl located at XXXX XXXX XXXX, XXXX, SC XXXX by phone ( XXXX ) XXXX on XX/XX/XXXX of 2021. XXXX, was on the phone asking me for some personal information to verify my identity before we spoke about a loan I had with XXXX XXXX. I told XXXX that I would not give her my personal information, because I did not have a loan with XXXX XXXX. XXXX began to explain to me that a live check that was sent to my mother 's address was signed and cashed. I told XXXX I was be in her office the same day to get a copy of this XXXX  XXXX and go about getting this fraud issue fixed. 

When I arrived at the XXXX XXXX location in XXXX, XXXX printed a copy of the signed and cashed check. On the back of the check where one would sign, there were also lines for my social security number and date of birth. There were only 4 numbers in the Social Security line and none of the numbers matched mine and I brought my Social Security card and State ID to prove it. The date of birth was not even filled out. The signature looked nothing like mine at all. 

I was told I would be responsible for this loan unless I could prove who did cash the check and the only way to do this is to file a police report. I asked if they could tell me what bank it was even cashed at and they told me they had no way of knowing that information. 

I since have contacted all three credit bureaus. XXXX  and XXXX  have taken the negative information off of my reports, but Transunion has failed to do so even after two appeals with all the documents to back my case up. Transunion has told me that I must make an FTC report in order to have my case looked into again. 

I have been receiving two calls and 1 voicemail Monday through Friday about this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Duvera Billing Services, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief