vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, my credit limit ( s ) was reduced to just a few dollars above my balance even though I have consistently paid the minimum due or more. My interest rate also increased from XXXX to XXXX ( v ). I do not feel that it is an ethical way to do business. Whenever this happens, my utilization rate increases and my credit score is negatively affected. 

This problem is only occurring with Synchrony Bank. They are buying the account and lowering my credit limit within dollars of my balance. In essence, I am paying more in interest and very little is being applied to my principle. 

This is a win-win for the credit card company and a lose-lose for me. 

What rights do I have as a consumer? I have a 100 % payment history and this limit lowering has happened on all of the accounts that SYNCHRONY BANK has acquired.

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 2019-10-31 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: NY

Complaint narrative:
I am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2019-10-31 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: NY

Complaint narrative:
I am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2019-10-31 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: TN

Complaint narrative:
XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines.

XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-31 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: TN

Complaint narrative:
I have contact Equifax numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, Equifax and XXXX  still report the accounts. Also XXXX XXXX closed the account on behalf of XXXX  cause because I sent the proper documents to prove it was an fraudulent account, Equifax still list this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: TN

Complaint narrative:
XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines. 
XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies  showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-31 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a loan being managed by AES, the original balance was XXXX. Over 12 years I have paid : Principal Paid : {$66000.00} ; Interest Paid : {$34000.00}. I may have paid a couple of days late one or twice and deferred by one month once or twice - nothing that should account for the XXXX that seems to have been applied to nothing. Other than that, I've always paid on time. My balance has gone down XXXX in 12 years. I have paid XXXX towards the balance and it has gone downXXXX. When I call and ask how this is possible, no one will investigate or help me figure it out. I don't know who else to turn to. Accountants always tell me they don't specialize in student loans. Considering how much recent scrutiny of AES ( pheaa ) I am concerned my account isn't being handled properly. Any help is greatly appreciated. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-31 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: MI

Complaint narrative:
I have a XXXX with Synchrony Bank. My credit card had reached my limit which was {$2000.00}. I started to work a part time job to save up money to pay this credit card down. I saved up XXXX to pay on this balance. On or about XX/XX/2019, I made a XXXX payment. I have a good paying history with them and my credit report has a XXXX payment history. 

On or about XX/XX/2019, I phoned the automatic phone line to obtain my balance. I was told that it was {$1100.00} and had {$41.00} left to spend. After me working hard to try and get the balance down to 50 %, Synchrony Bank waited until I made a {$1000.00} payment and dropped my credit limit to {$1200.00}. That was wrong. I feel like they just took my money. When I paid them XXXX, it dropped my utilization to around 50 %. Since they lowered my credit limit, my credit score dropped 15 points and I now have a 97 % utilization which lowered my credit score. 

They told me SORRY. Is this a fair way to treat a consumer? Absolutely Not. I feel they should put my credit limit back to XXXX and raise my 15 points back on my credit score.

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get my report. I instead a code came up. It is : Eval Code : - Status Code : FL, Reason Code : NH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: UT

Complaint narrative:
When I inquired about student loan forgiveness for public service I was told by Navient that I needed to be on a certain type of loan and so I switched over to that kind of loan. I was told that after 10 years of payments ( 120 total ) under this loan I would be eligible to apply for forgiveness. About 5 years in my loan was taken over by the Department of Education and I was told that none of my payments counted toward the 120 because I was not under the correct repayment plan. Navient withheld this information from me and as a result I am going to have to make 5 more years payments which is a ton of money for someone in a low paying public service position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 and 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 2019-10-31 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 and 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 non-monetary relief
Consumer complaint received 2019-10-31 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: TN

Complaint narrative:
I have contact XXXX  numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, XXXX   and Experian still report the accounts. Also XXXX XXXX closed the account on behalf of speedy cause because I sent the proper documents to prove it was an fraudulent account, XXXX  still list this debt as well.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a deceptive letter and credit-card offer from Capital One. The promotion promises {$200.00} cash back just for signing up and other attractive terms. The letter includes a " reservation number '' and " access code '' to create the ( apparently false ) impression that the card is pre approved. 

I opened their website and then was prompted to disclose to them a lot of personal data -- my social security number, address, phone, income, monthly rent. I then applied and was immediately rejected. My credit score is in the high 700s if not XXXX, I earn well over $ XXXX/year, I have no debts and relatively low monthly expenses. 

All in all, it's pretty clear that this offer was first and foremost a scheme to harvest consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: TN

Complaint narrative:
Got a letter from XXXX XXXX XXXX XXXX representing Troy Capital LLC they filed a judgement against me back in XX/XX/XXXX trying to collect old debt that Troy Capital LLC bought from the Original Creditor XXXX XXXX for Pennies to the dollar Troy Capital LLC is a XXXX XXXX XXXX XXXX Debt Buyer and hire crooked lawyers like XXXX XXXX XXXX XXXX to do their dirty work XXXX XXXX like Troy Capital LLC and Crooked lawyers like XXXX XXXX XXXX XXXX need to be held accountable for always breaking the FDCPA Laws they count on the ignorance of Consumers using scare tactics paying for debts no longer owed but written off by Original Creditors it's a shady deceptive business that needs to be looked into and put a stop to it the money they collect don't go toward the debt or the Original Creditors but instead into their own pockets that's how they make their profits I tried to pay the minimum owed in good faith to XXXX XXXX XXXX XXXX but I read alot of bad negative reviews from other consumers sure people gets into messes they shouldn't get into but the people at Troy Capital LLC and XXXX XXXX XXXX XXXX sure as heck ain't perfect and definitely saints themselves for judging consumer remember only God can Judge oh by the way XXXX XXXX XXXX XXXX had the time barred extended to XX/XX/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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/2019 XXXX  XXXX XXXX sent information to the Chex Systems. That I have unpaid account. That is wrong. 

Please help me get Chex Systems , Inc.

Attn : Consumer Relations

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 2019-10-31 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-10-31 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: IL

Complaint narrative:
I am a documented ID theft victim of the 2017 data breach from Equifax. I have been trying for 2 years to repair the damage caused from such breach, however, Equifax refuse to comply.

Company response to consumer: Closed with explanation