vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
Companies Involved : - Walmart in partnership with Synchrony Bank ( card provider ) - XXXX  - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in Walmart sold me on applying for a Walmart credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with Walmart/Synchrony Bank in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.

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 2021-08-24 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:
Hello I'm reaching out to you all about an account that is showing on my report but is not mine. I thought it would be some error that could be fixed so I called XXXX XXXX and spoke with a lady name XXXX. She ask for all my information including my social and was not able to find any type of account for me in their system. XXXX advised my to send in a letter to their disputes department. I received a letter from XXXX XXXX the other day and they are pretty much saying the same the same thing XXXX said and they were unable to find an account but is asking for my zip code of my address which I included in the letter and its even on the return address on the envelope. They received my letter because they responded to my in writing. The post office is not going deliver mail if its not a complete address. Please have XXXX XXXX removed from my credit report immediately. I have attached the letter received from XXXX XXXX and I have also attached the exact documents to verify myself that I sent to 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 2021-08-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
When I applied for credit with Comenity Bank they approved me for a {$2000.00} limit, on XX/XX/XXXX. My yearly income is {$43000.00} and has not changed since I received this card. I have paid them on time ever month and paid it in full at times. My payment on XX/XX/XXXX was {$1700.00} ( paid in full ). I used my card again and paid the balance of {$410.00} on XX/XX/XXXX. 
On XX/XX/XXXX, I logged onto my comenity bank account and noticed my credit limit was dropped to {$750.00}. I called comenity bank XXXX and spoke with customer care, I asked the lady why was my credit limit decreased? Her response was, we sent you a letter on XX/XX/XXXX but here are 2 phone numbers for the credit reporting agencies, I called but you cant talk to a human. I called comenity bank back and spoke with a second customer care lady, told her I was not able to speak to a human with the numbers they provided me, she said hold one moment and I will connect you, I was not connected. I called a third time and spoke with a supervisor, he informed me a letter was sent out and i should get it Monday, ( I haven't ), I said just tell me why my limit was decreased, he said the letter is coming from the reporting agencies so, he is not sure what it says.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I am pursuing Public Service Loan Forgiveness. There are errors with the count of qualifying payments. 
I have been making payments on my loans since XXXX of XXXX. My payments have been made automatically using

Direct Debit.

I requested one month of forbearance, XX/XX/XXXX. 
I estimate that I should have 99 qualifying payments through XXXX of XXXX I have 12 loan sequences ( LS ). 
LS

1 has 86 qualifying payments. LS 2 has 97 qualifying payments. LS 3-5 have 98 qualifying paymen
ts.

LS 6-8 have 99 qualifying payments.

LS 9-12 have 91 qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened an interest free card through XXXX XXXX with Synchrony Bank. I had a 1year interest free promotion where if I paid in full by XX/XX/XXXX I would not have to pay any interest. 

I called on XX/XX/XXXX at XXXX XXXX and spoke with customer service for 14 minutes and 8 seconds. During that call I explained I was calling in to pay my balance in full which was approximately {$1800.00}. The customer service representative PROACTIVELY OFFERED TO ME the option for another 30 days. I did not ask for it, nor did I need it, but she told me that the company always offers an additional 30 days and if it is paid in full there is no interest charged. I accepted her offer. I called again on XX/XX/XXXX at XXXX XXXX and spoke for 18 minutes and 50 seconds where the customer service representative confirmed that Synchrony bank always offers an additional 30 for the promotion and that I would not pay additional interest. 

On or around XX/XX/XXXX I received an alert that my credit had plummeted 18 points because my debt to credit ratio increased. Synchrony bank reported to the credit bureau that my usage increased as a result of them reporting an additional {$750.00} in fees as a part of my balance. I was in the process of getting a loan and could not because of the drop in my credit score and increase in my debt to credit ratio. 

I called on XX/XX/XXXX at XXXX XXXX and customer service had me on hold for 59 minutes and 54 seconds. I used my other line to call again at XXXX XXXX. After the first line was disconnected I was on hold on the second line for another 22 minutes and 27 seconds. That customer service representative asked me to hold while they got a supervisor and then disconnected the call. No one called me back. 

I called a third time on XXXXat XXXX XXXX  and spoke with someone for 38 minutes and 45 seconds. He explained to me that he could not correct the incorrect balance that was reporting to my credit. Before they added interest my balance was {$1800.00} with a credit limit of {$2700.00} balance. Because they added the interest to the balance it went to {$2500.00} of {$2700.00} which plummeted my credit score. He stated that he would submit a dispute but that it would take 30 days to come off of my credit. Then he said he submitted a complaint to escalate it and have it corrected by XXXX but that it would only report that it was paid in full, they would not be able to correct that the increase was an error. 

The last issue is that both original representatives told me the full balance was due by XX/XX/XXXX. No one mentioned at all that I still needed to make a payment by XX/XX/XXXX. As a result, they charged me a late fee of {$40.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
XXXX  we purchased a home with a predatory lender and our credit was bad and our income was barely XXXX but we were approved for a {$240000.00} mortgage at an adjustable rate. We continued to pay the 80 % mortgage and they changed it to a fixed rate. Now, 15 years later that 20 % loan mortgage now has threatened to put a lien on the house.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a Chime account and had been banking with the bank with no issues. I had a deposit come into the bank around XX/XX/2021, that belonged to me, had my name and they closed my account without issuing my funds. I contacted the sender of the deposit and they informed me they had not received any money returned from Chime. I need help with getting my remaining balance sent to me by a check. Chime can not withhold confiscate anyone money that does not belong to them. Please assist me or direct me in anyway I can get my money back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 have contacted all three credit bureaus ( XXXX XXXX , & TransUnion ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2021, TD Bank/Target closed my account without my authorization. I only opened the account about six months before and had a XXXX balance when they did so. I had made all of my payments on time and did not carry a balance. I wrote the bank about two weeks later to reinstate the account and they replied in writing that they would/could not do so. 

The closing of this account cause my credit score to drop overnight by 32 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a card with Best Buy back in XXXX. I have had this account open and active up until the time I lost the card in XXXX. I replaced the card and Best Buy has never reported the new card on my credit. This is my oldest credit card and affects my credit heavily! They are reporting my card as closed due to inactivity. I have the card, use the card often and have continued making monthly payments on the card. None of which has been reported on my credit since the new account was opened. I have called them on multiple occassions as well as experian and neither company has helped me as they just continue to blame one another.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received notice of a credit inquiry on my Transunion report, dated XX/XX/21, from XXXX XXXX. I didn't apply for anything. I contacted XXXX, they say they have no record of this, but when I contacted Transunion they said there was definitely a " hard '' inquiry with my SSN, etc.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Filed a dispute for transaction, which it was denied and the bank would not let me file a appeal. The company is fraudelent company and has never submited the services I paid for.XXXX  XXXX, 2021 XXXX was supposed to issue me a website for {$540.00} and XXXX XXXX XXXXXXXX  for {$290.00}. I have not received any services rendered for XXXX XXXX XXXX, the company call the XXXX  XXXX told them they was not able to finish my project and yet still my refund was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute letter to remove the incorrect addresses being reported on my credit report. They have not been removed.

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 2021-08-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter to remove the incorrect addresses being reported on my credit report. They have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I purchased an insurance policy from XXXX XXXX which was started on XX/XX/2021 According to my policy norms, I can cancel my Policy at any point in time with no extra charge. I paid for the month and After completion of one month, I requested a cancellation of my policy on phone with XXXX XXXX customer care. I asked them are there were any charges for cancellation. They said No extra charges. I saw that they put some amount of charge on my account and in the next line they put cancellation refund took some amount of the charge and showed I owe some amount. When I called back and ask them what does I owe for?. They said they going to remove that I do not have to worry about it at that point in time. later I moved to another state. I do not know that credit collections send me some notice that I owe some amount I have to pay. When I call back the insurance provider about this they simply said they do not have any records about my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My father in law, XXXX XXXX died in XX/XX/XXXX. I have received numerous collection notices sent to my address, where he never lived. One in particular, Chase, continues to send settlement offers, despite the 7-8 calls I have made to them alerting of the deceased status. Most representatives have been cordial, one not so much, but they seem to be handcuffed by a policy requiring a death certificate. My mother in law has gone through enough so I asked for a picture of the certificate which was faxed to Chase on XX/XX/XXXX. I received yet another letter today and upon calling was told that the image could not be read. They claim I can not email it, must be faxed, which in this day and age is ancient technology. When suggesting they either use their scrub process or a manual lookup based on my information to verify, they claim policy will not allow that to suffice. The supervisor I just spoke with tonight says she will try to simply remove my address as I alerted he has never lived here, but could not promise anything. Asking if I can get a death certificate sent to them, which is not free to get or if I can have a copy taken to a physical bank branch, which yet again is an inconvenience. I simply want my wife to no longer be reminded of her father 's passing when she goes to the mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received notice of a credit inquiry on my XXXX  report, dated XX/XX/21, from Discovery Financial. I didn't apply for anything. I contacted Discovery, they say they have no record of this, but when I contacted XXXX  they said there was definitely a " hard '' inquiry with my SSN, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
Companies Involved : - XXXX in partnership with XXXX XXXX ( card provider ) - XXXX  - Equifax Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ XXXX ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.

Company response to consumer: Closed with explanation