vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I checked my statement today with Synchrony Bank regarding my credit card through Mattress Firm. I noticed my credit limit was lowered from {$1000.00} to {$560.00} ( not sure how this amount was derived ). I have always met my minimum payment or paid more than the minimum on time since establishing credit with this company. The two major implications by lowering my available credit is : 1. By lowering my credit limit, my credit utilization for this account appear that I am utilizing 100 % instead of 50 % which negatively impacts my credit score.

2. By selecting a credit limit if {$560.00} ( amount seems odd as it is not standard ) once the company applies the forbear-ed interest that was part of a promotional offering brings my account balance over the new credit limit so the company can then charge fees for going over.

I could see the rationale of lowering someone's credit limit if they were not holding up their obligations through making on time payments of the minimum or more, but this is not the case. It appears the credit limit was lowered intentionally by negatively affecting my credit score and future applied fees. 

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 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management XXXX XXXX XXXX XXXX, AR XXXX Subject : Account # s : XXXX & XXXX See attached document ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
I do not know who this company is nor is this debt mine. I have received no notice of this debt either. I was only made aware of this erroneous collection attempt by a notice from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Hogan Capital II, LLC
State: MN

Complaint narrative:
I filed a complaint they respond and said they tired to work with me previously. I was not notified until my mother mentioned it to me that they were looking for payment in full on my car note. I still disagree with balance owing and need to set up payment arrangements. I am not comfortable setting up payment arrangements without a third party involved. I also did call to get payment history in XXXX never received until I got complaint back. also when I called in XXXX they stated that are additional fees being added. what additional fees and why? they stated that they tried to work with me and I did set up an arrangement a while ago but have not heard anything again until my mother mentioned it to me. therefore I do not agree that is trying work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
On Wednesday XX/XX/XXXX I transferred money between my two Cash App accounts. I tried to access my secondary account but it made me create a new username for the account instead of letting me in. I have contacted support on every form of social media and emailed multiple times.Ci have received no reply beyond an automated message telling me I will be helped soon. Hoardes of people across social media are having the same problem and they have not responded for over 10 days to anyone. Cash app is blatantly stealing and not returning thousands of dollars from its clientele using this trick and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a phone call from a company claiming to be XXXX. I was advised that someone had tried to hack into my XXXX computer and that I needed to update my XXXX contract. I was told it would be {$200.00} and that I would get a discount with a Citi credit card ( Citi may be in on this ). I received an email indicating that I had been in contact with XXXX. I gave XXXX my CitiCostco credit card number for one transaction. The next day, I realized this was a fraud and I called Citi. I was advised that only one transaction had gone through although several other had been attempted but not authorized. My card was terminated that same, next day, and a new card was issued. I later got a statement saying I owed approximately {$700.00} for charges including three additional charges for the day I called to report the fraud. I called Citi and was told I did not have to pay the fraudulent charges. I later got a letter from Citi ( no appeal process ) stating I " participated '' in the scam so therefore I am liable. I wrote Citi on XX/XX/2019 in a certified letter stating the situation. I never received a certification proof but the post office advised me that Citi received my letter. After hours of calling Citi, I was advised that an investigator had been trying to call me and that I still owed the {$700.00}. I have not heard at all from Citi except when I have called and spent hours on the phone. They continue to bill me and even sent me another credit card!! 

These are fraudulent charges in which absolutely no service or consideration was provided to me.

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 2019-10-11 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: LEXISNEXIS
State: NY

Complaint narrative:
XX/XX/19 : I sent requests to LexisNexis Consumer Center to advise the court name was invalid for public record and must be deleted from report. 
XX/XX/19 : LexisNexis sent letter stating the information was verified. 
XX/XX/19 : LexisNexis sent letter stating disputes had been opened with XXXX, XXXX, and/or XXXX but have received any results. 
XX/XX/19 : I sent Method of Verification Request to LexisNexis for proof including documents with my signature within 15 days or delete inaccurate data from my report. 
XX/XX/19 : Have not received response from LexisNexis for Method of Verification Request. 

It is my understand under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) it is my right to ask for proof and to have accurate information in any report. LexisNexis has not provided me proof within the  15 day requirement or deleted the inaccurate data from my report. It is also my understanding if requested the credit report agency must have all signed documents in their own possession ; independent of credit reporting bureaus as proof of accuracy of consumer information. LexisNexis is in violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
Experian is allowing a fraudulent account that wasnt authorized by me, nor was opened by me to be placed on my Experian Credit File. This account was opened as a result of identity fraud, which Experian was already made aware of. Experian has my identity theft affidavit on file. This is a law enforcement affidavit that explicitly states the crime. This account was opened at an address that doesnt match my credit report. I have never lived at the address the creditor provided. This account is identity fraud. Please correct the mistakes you are making. Secondly Experian just accepts and adds whatever equifax provides them. XXXX   contains a ton of fraud, that XXXX refuses to fix their documentation is invalid, and I want Experian to stop accepting fraudulent information.

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 2019-10-11 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: TX

Complaint narrative:
I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the XXXX XXXX. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX XXXX XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC.

2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

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 2019-10-11 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: TX

Complaint narrative:
I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XXXX, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report.

1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Commenity/XX/XX/XXXX has been sending me emails about balances due for the last several months. In response to the emails, I have sent messages beginning about XX/XX/2019 telling them that the amounts are fraud and to please close my account. 

Today, I received another email stating that a balance was due. I told them again through their email service that this is fraud. I also asked them what paperwork I needed to send in to notify them again that there has been fraud. about 2 hours later I received a text to call them. I called them and they said there is a balance due and there is 1 missed payment. The lady said that my account was not tagged with fraud and they didn't see any fraud. I did not authorize the transactions that have led to the balance owed. 

How long will this go on before they understand this is fraud. I asked for this account to be closed a couple of months ago. Please do not let them report erroneous information due to fraud that they have yet to handle. 

Please have someone with authority call me back from the company so I can finally get this issue resolved. My phone number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
End of lease with America Honda Finance in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to American Honda Finance instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with AHFC, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid American Honda Finance on  XX/XX/XXXX, they still hit me with a two month charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
They have been contacting my son who is a minor to collect the debt. He has told them that they need to speak to me, but they still call him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
Re : Specialized Loan Servicing Co., HELOC loan I am paying off a HELOC. The payoff statement that was sent to me is incorrect. The calculated interest due is incorrect. Specialized Loan Servicing is either unwilling or unable to fix the payoff  amount. I have spoken to several representatives who agree that the interest calculation is incorrect, but even after waiting two weeks, I have been unable to get them to send me a new payoff statement. 

Specifically, my Daily Per Diem Interest is 2.8892 %, times 45 days outstanding, = {$130.00} On my payoff statement, the amount is incorrectly calculated as {$180.00} NOTE : if they are incorrectly calculating my interest due they are likely incorrectly calculating other payoff statements as incorrect.

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 2019-10-11 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems contact my cell # on XX/XX/19, XX/XX/19 ( two times each ) XX/XX/19 again asking for someone other than me ( that I do not know ). I asked them to please stop calling. they were recording this conversation so that should have been the end of it. today XX/XX/19 they called again XXXX in the XXXX ( outrageous ) disregarding previous requests to stop contacting me - they have the wrong number. Now they are harassing me. I do not have any debt. I do not know the person they keep asking for. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: GA

Complaint narrative:
I disputed a item on my credit report via mail on XX/XX/2019 to Trans Union and I received a response today indicating it was verified. Yet, I did not receive requested details and clear explanations on how the information was verified as I requested in my dispute letter. In the results it list information was verfied through the court, yet I reached out to the court and they do not release information to credit bureaus. So it is believed the verification results from Trans Union is inaccurate and I requesting the information to be removed from my credit profile asap.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2019 I filed a dispute with Wells Fargo regarding a {$5000.00}. charge dated XX/XX/2019 as this purchased service was not as advertised. Wells Fargo contacted me on XX/XX/2019 to say that medical services can not be disputed. They disconnected before I could explain that this was elective not medical and that I was disputing the fact that I did not receive the service expected. Clearly Wells Fargo did not know how to handle this type of dispute.

I used two separate accounts to pay for the service. XXXX had no issues with returning the funds due to the dispute.

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 2019-10-11 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 Collection Systems, Inc.
State: TX

Complaint narrative:
Previous Complaint No. : XXXX National Credit Management has received information from XXXX College directly stating my debt to XXXX College has been paid in full. National Credit Management, however, is still reporting this debt as unpaid on all of my credit profiles for XXXX, XXXX and XXXX. 

I have attached the paid receipts and a letter from XXXX college XXXX XXXX office stating my past due balance has been PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation