vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
( DETAILED DOCUMENT UPLOADED ) CFPB COMPLAINT SYNCHRONY XXXX XXXX BACKGROUND : I opened this account to replace carpet in my XXXX XXXX XXXX XXXX home. I made the purchase at XXXX, on XXXX XXXX in XXXX, CA where the salesperson directed me to obtain this account for financing. As it turned out, I am essentially renting this carpet for {$230.00} per month with no balance reduction on my credit account after 18 months of a perfect payment history payments towards 70 % of initial credit line. Something is clearly wrong here. 

I have two other Synchrony retail accounts with similar perfect payment histories and paid-in-full balances : 1 ) Care Credit, 2 ) Amazon Shopping Card. 

ISSUES : 1. My balance is not reducing from initial credit line of XXXX 2. I have made a total of {$4200.00} in monthly payments since account opening in XX/XX/XXXXwith a credit line of {$6500.00} ; yet balance reported {$6500.00} on XXXX, so no balance reduction recognition in 18 months. 
3. My XX/XX/XXXX minimum payment jumped 100 % to {$530.00}. 
4. I was charged {$1400.00} in usurious interest, retroactively! 
5. My credit line was reduced on a false accusation of late payments to {$6200.00}. 
6. Credit line reduction put me in an over-limit negative status forcing me to make additional payments to get it under the credit line. 
7. My credit line reduction forced my account to 100 % utilization negatively impacting my FICO credit scoring. 


PURCHASES XXXX  : {$3300.00} XX/XX/XXXX XXXX XX/XX/XXXX {$330.00} XXXX {$1700.00} XX/XX/XXXX Total Purchases : {$6000.00} INTEREST CHARGES LUMP SUM HITS {$990.00} XX/XX/XXXX {$420.00} XX/XX/XXXX Total Retroactive Interest Charged : {$1400.00} PAYMENT HISTORY : Total Monthly Payments Made : {$4500.00} or 70 % of credit line repaid yet 100 % of initial credit line and account balance still owed,

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 2021-01-28 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: GA

Complaint narrative:
On or around XXXX of 2019 I submitted documents to both Experian and XXXX  regarding a bankruptcy being reported to my credit. I submitted proof from the Circuit Courts they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX  and XXXX  sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX on XX/XX/XXXX, received a bill dated XX/XX/XXXX from Progressive Management System which is a violation of 15 USC 1692b and had a consumer transaction with with XXXX XXXX XXXX  XXXX XXXX. In this letter they included Medical procedures information and Health Insurance information relating to my Daughter, XXXX XXXX which is in violation of 45 CFR 164.508a ( 3 ), 45 CFR 164.508 ( 4 ) and 42 USC 1320d-6- ( a ) ( 2 ) which states they committed and offense by obtaining individually identifiable health information and an authorization is required and they did not get that authorization from me. In this letter they used obscene language to threaten me to continuously tarnish my reputation and credibility which is a violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval. 
My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL

Complaint narrative:
A collection law firm ( MITCHELL B. BLUHM & ASSOCIATES LLC representing XXXX XXXX XXXX XXXX  ) mailed a collections letter to my MOTHERS address ( I haven't lived there in 20+ yrs ) on XXXX for {$1900.00} for a medical bill datedXX/XX/XXXX. 
I have never received a bill for this and have a top tier insurance policy. I spoke with them and did give them my personal info to assist the representative in my case. My insurance company XXXX said that the claim was NEVER sent to them and even tried to speak with the collector. They would not process the claim because they said it had timed out and would only take collection payments. THIS IS A SCAM, Please help!! 
They have made threats to hurt my credit score. Please Help!! There have been many complaints and law suits against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Problems with Mortgage Payments since XX/XX/XXXX My Mortgage payment is spited 2 instalment. One on the XXXX of the month the second on the XXXX. In XX/XX/XXXX I notice that the payment on the XXXX was not withdrawn. I called multiple times and Bank of America representative said that my account was fine that I didn't had any payments pending. In XXXX the same problem happened the XXXX of the the month the payment was not withdraw. At that moment a supervisor told me that Bank Of America did an update to the systems and that it had a glish the bank of America was aware of it And I was not going to be penalize for it. At that moment I requested for them to take the payment at that moment. In XXXX, XXXX and XXXX all my payments are withdraw with no issue. At the beginning of XXXX a I received a call from the collection department of Bank of America stating that my account was pass do. I requested an investigation because of everything that happened and because at this point they have not collected any payment in XXXX when my XXXX XXXX account have the funds for the payments. I been told that I will receive a call back and that never happen. They tell me to call after 24-48 hour and that the problem will be solve and that doesn't happen the last report number that I got is XXXX And today XX/XX/XXXX I was told that I have to wait until XXXX XX/XX/XXXX so they cam fix my account. At this moment I this Bank of America is discriminating against me because I'm 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 monetary relief
Consumer complaint received 2021-01-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not know where the third party is coming. Why do I need to send an authorization to Experian? I personally file the first complaint and dispute MYSELF. Can you please tell me where the XXXX you are getting your information from? I will NOT call them since I have already file a dispute in XXXX of 2020 and a complaint XXXX of this year. SERIOULSY!!!! this is ridiculous that I have to go thru AGAIN and spend my time redoing XXXX I have already done all because they don't want to do their jobs. I will attached a copy my of SSN and License so you know it me and I wont have to go threw again.

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I have been having a problem with Quicken Loans and their timely processing of my mailed payments. On this latest occasion I sent a mortgage payment on theXX/XX/XXXX. Quicken did not process the payment until XX/XX/XXXX! They are not only charging me a late fee but sending me a delinquency notice! I understand the problems created by the last administration has created unreasonable delays with the U.S.P.S. But let me describe a company that is more efficient and responsible than Quicken. I have a bank card through XXXX  XXXX XXXX their payment normally only takes only two days to process and this payment to XXXX Texas. During this disruption of the Post Office my current payment still only took four days! The Quicken depository is in XXXX..! 9 days for this process to complete. I believe that this action by Quicken Loans is a form of harassment for complaining about another fee of {$50.00} that Quicken attempted to charge me because another loan company was asking for a credit rating about me. When I took out the original XXXX loan this potential fee was never revealed to me. I want these late fees tobe expunged, the real reason for this and a commitment be the company to quit harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from Experian that there was a new collection item added to my account under XXXX XXXX XXXX XXXX XXXX XXXX, under MRN : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at XXXX XXXX XXXX @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this Medical Center. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this Medical Center, therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed ( XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : XXXX XXXX XXXX  Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : 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 2021-01-28 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have a loan opened in my name that I did not open. I am assuming my identity was stolen. The collection date is XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I received a letter from XXXX XXXX that the account for XXXX that they have ceased on the collection account for XXXX. It's still on my XXXX  credit report.

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 2021-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
For my Capital One account I am showing a late payment from XX/XX/2019. I reached out to Capital One before the payment was due and made an arrangement. The associate gaurntees that this will not show as a late payment and it has. I have attempted to dispute this with the credit bureaus multiple times and they will not update it. I have recently sent a letter to them asking that they remove it and they still refuse. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I can not use my account because they closed it for " security '' measures. I have XXXX in the account. With pending deposits. And after 8 and a half hours of talking to multiple reps and a supervisor no results have came even after I supplied documents that I am who I say I am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: WA

Complaint narrative:
National Collegiate Trust is reporting to credit bureaus that the student loan I co-signed on is charged-off and transferred to another lender. It was not transferred to another lender and the account is currently being collected on. My brother-in-law was taken to court by NCT on XX/XX/2020 and ordered to pay it. Their law firm, XXXX XXXX represented them in this matter. Prior to the court date, ( I did not know they were taking my brother-in-law to court ), I made 3 attempts to call the law firm and settle the debt because this false claim is keeping me from obtaining employment. NCT did not take me to court or inform me of a court date in any form. This is because, in my attempts to settle the matter, XXXX XXXX told me and my brother-in-law that they are not licensed in Washington state and can not collect from, contact, or pursue me in anyway. Following the court order for my brother-in-law, he received the payment plan, pertaining only to him. He has made the first payment and accepted the new terms of the loan. I then called XXXX XXXX requesting that they provide me with documentation of their claims that they are not licensed in Washington state and can neither collect or pursue me. They refused, they transferred me to a lawyer that I left a detailed message for and never returned my call. Their website does say that their lawyers are only licensed to practice in the states listed in their individual profiles. Further down it lists each lawyer with their licensed state, none of which are Washington, XXXX. National Collegiate Trust has no contact information and you must go through whatever law firm they have hired to speak with anyone. I have filed disputes with XXXX  multiple times and my report does not change. Therefore, I must assume that National Collegiate Trust is reporting false information as their law firm has stated to my brother-in-law, that the account is in an active-repayment status or NCT is illegally collecting on a loan that they no longer own and we are unable to track down who might.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I obtained a mortgage with XXXX XXXX on XX/XX/XXXX. Loan was sold on XX/XX/XXXX. I received a statement for payment of the loan from the new lender and made all my payments. Over a year later XXXX XXXX states I owe them a payment. They never sent a statement and the loan was transferred and paid in full. My loan origination amount matches the amount transferred to the new servicer. I do not owe XXXX XXXX any payments.

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 2021-01-29 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: IL

Complaint narrative:
Someone stole my identity and received a XXXX card in XXXX. XXXX initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my Experian credit report. This is drastically affecting my credit.

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 2021-01-29 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've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit report.

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