vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: TN

Complaint narrative:
I have a Care Credit card through Synchrony Bank that I use for medical purposes only. Copays, ENT appointments, dental appointments & etc. My initial credit limit was {$4000.00} as of last year XXXX when I first opened the account around XXXX. In XXXX of XXXX, Care Credit Synchrony Bank decreased my line of credit by {$500.00}, for no reason. At that time I went from having a {$4000.00} credit limit to a {$3500.00} credit limit and the account was paid down by XXXX. I owed about {$2800.00} at the time of the decrease. Because of that decrease on my credit limit that made my credit utilization go up although I paid it down before the credit limit decrease. About two weeks ago, Care Credit Synchrony Bank took my credit limit down again and this time by {$700.00} and now my credit utilization has went up tremendously to 95 % which made my scores drop. I'd paid the account all the way down to about {$2200.00} but they reported I owe {$2600.00} but that's not correct because I make my payments each month and was making extra payments a few months ago. I feel this is a deceiving tactic because everytime I pay my account down by {$1000.00} or more they turn around and decrease my credit limit for no reason. Unfair business practice.

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 2020-09-18 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: MO

Complaint narrative:
The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX  {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MO

Complaint narrative:
The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX XXXX XXXX  5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
{$3100.00} is transferred from my Chase checking account by XXXX wireless transfer. The money was transferred through 5 transactions which I did not authorize the transactions. I talked to Chase Bank and filled a complaint. But The Chase bank are not helping me to solve this issue and give the money back to me. They are saying, it is my fault. I need a help if you can please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: CA

Complaint narrative:
I have notice Unauthorized Inquiries Not made by me in my Transunion Credit report I ask them if they do not have proof ( written authorization ) and they have fail to validate these erroneous inquiries.

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 2020-09-18 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 {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -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 2020-09-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Universal Account Servicing, LLC
State: FL

Complaint narrative:
I attended Florida XXXX XXXX - XXXX. In XXXX, FL. 
I graduated and always make my monthly payments. This is a private loan provided by the school. I was looking at the statements of my payments recently and found that the amount of interest charged is different for every payment. Example. For three months I paid XXXX which was the min. Payment amount while I was in school. One month the amount that went to interest was XXXX only XXXX for principal balance. Every month it differs. The interest rate on my account is 11.5 %. Every month they charge different interest. The website they use is XXXX Universal Account Servicing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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 {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -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 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Meridian Financial has contacted me in regards to a debt that is past Statute of limitations at 4 years. they called me 3 times in regards to an account that is past collections activity

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a letter from convergent regarding a possible debt that I owed. I file a dispute of this debt in XX/XX/2019 asking for debt verification and validation. I did not receive any notification via mail or any information to validate the debt and they decided to place an invalid account on my credit report without validating the debt.

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
XXXX XXXX account XXXX I closed this account and returned all equipment by mail because of COVID-19 shut down store closures. I returned three items in one box. Two of the  three items That were shipped to XXXX  were credited to my account, which reflects they received the shipment. They appear to have lost one of the items that were returned.

I have called multiple times and been through the exact same process. They open a ticket, they look for the equipment, they dont find it, and they tell me I owe. I DO NOT OWE, I RETURNED THE THREE DEVICES IN ONE BOX. They on acknowledge receipt on two of the items. How can I prove they made an error? 

In spite of my dedication in calling to get this resolved they refuse to take responsibility for their error. They sent this to collections. I explained to the collections company, gave them my ticket numbers, but they have reported me to the credit bureaus. ( The collection agency was horrible! ) This is like extortion!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with 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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit report is incorrect and not belong to mine. The credit report office not willing to resolve or remove the issue out of my credit report. If the office need the lawyer to inform. What the cost fee will be responsible by the credit office thank you

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 2020-09-18 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:
To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. XXXX  has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.

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 2020-09-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation