vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am asserting that Synchrony Bank ( see attached letter dated XX/XX/18 ) has made a grossly negligent error or intentionally misleading statement of fact for limiting my approved credit for a Lowe 's credit card. Specifically : ( 1 ) The stated reasons for Synchrony 's limitation of credit are inconsistent with information provided by its listed sources of credit information ( XXXX and XXXX XXXX XXXX ). My XXXX credit report is spotless and my XXXX credit score is XXXX which places me in highest credit worthy category and in the top 10 % of credit users nationwide. For someone who takes great care in managing one 's credit, you can imagine my alarm when I read Synchrony 's justification for limiting my credit. When I contacted XXXX and XXXX, it indicated that there was no information whatsoever under my name ( same as business name ) anywhere on their system. Accordingly, the sources of credit information identified by Synchrony Bank in its letter does not in any way support its decision. 

( 2 ) When I attempted over a period of three days to resolve this with Synchrony Bank, it was ( 1 )unable to tell me specifically why my approved credit was limited beyond the three false or misleading statements. ( 2 ) unable to locate a copy of the letter ( see attached letter dated XX/XX/XXXX ) ( 3 ) unable to identify the division where the letter was generated or the contact person who made the credit decision. The reasons cited by Synchrony for limiting my credit are egregiously wrong and/or intentionally false. 

( 3 ) Absent the ability or willingness of Synchrony Bank to answer my questions or provide additional justification for limitation of my credit I assume the following : ( a ) Synchrony Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) with possible discrimination against me because of my age ( XXXX ). 
( b ) Synchrony Bank is in violation of Fair Credit Reporting Act ( FCRA ) because it has not identified the true source of credit information ( assuming it exists ) that I might use to verify the accuracy and completeness of the report and related credit decision. The information provided to date do not in any way support Synchrony 's credit decision.

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 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, Bank of America was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CNG HOLDINGS INC
State: NV

Complaint narrative:
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX  XXXX XXXX   there contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Not given any reasonable options when unable to make payments, including lowering payments, or extending deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from Discover SL in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on Discover SL account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: ME

Complaint narrative:
XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at  XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: AL

Complaint narrative:
I went on-line to order a free yearly CLUE report. Lexis-Nexis asked me a series of questions to verify my identity. One of the questions did not have any correct answer, so I replied with the closest choice, flunking the exam, and the system would not produce the report. I was forced to call Lexis Nexis. The wait time was in excess of 35 minutes. The FCRA states that the wait time can not exceed 15 minutes. When Lexis Nexis finally answered the phone, I got a representative who I could not understand due to his fast talking and accent. I had to tell him several times to slow down and speak clearly. After ordering the report, I filed a complaint with the representative concerning the incorrect information that the website asked me and the excessive wait time. The representative could not comprehend what I was telling him, I had to politely terminate the call due to my frustration with his speech and ignorance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
spoke to XXXX @ Capital One XX/XX/XXXX18, account XXXX. I had paid my XX/XX/XXXX18 balance in full and in advance. asked XXXX about autopay. I signed up for autopay. asked XXXX if she could guarantee that the bank would not try to take a second prepayment on XX/XX/XXXX18. she checked with her supervisor and he agreed that the next bal. due would fall on the 30 day rotation, namely XX/XX/XXXX18. On XX/XX/XXXX18 however the bank tried to take a second prepayment. I put a stop payment refusing the transfer of funds on XX/XX/XXXX18. I tried to reach XXXX and wrote a letter to the bank. No reply. 
I cancelled the CapOne account. It appears CapOne is an online banking service only. Customer can not initiate contact by phone or digitally with customer service reps. to discuss problems like mine. The CapOne business model is skewed against the customer. No customer access to lines of communication regarding previous transactions is bad and prejudicial and arguably fraudulent policy. I protest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: MD

Complaint narrative:
In XX/XX/XXXX I noticed an account from Credit Protection Associates via XXXX XXXX XXXX in the amount of {$260.00} from back in XX/XX/XXXX. I have sent several letters trying to resolve this account that doesn't belong to me. I have never had this service nor have any knowledge of such company. I have copies of letters I mailed to CPA EXPLAINING the false account, yet they insist they have proof of which they won't provide. They responded as To one letter as verified. I asked who verified it and provide me with proof so that I may prove that person in question also have no proof. I have signed and been giving copies of my signature on every product I have ever purchased. they can not provide my signature do to the fact they don't have it. I have been targeted to pay monies they can't collect from the person they can't find. it's been havoc in my life so far and I need this to end. Please help resolve this false blame so I may move on with my life. I have served my country true and for that I am able to use my VA loan to purchase a home, however this infestation on my credit report is making that difficult. CPA needs to stop harassing me with this account I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfilio Recovery is placing two accounts on my credit report that im not familiar with Account # XXXX and XXXX. Each time I ask for info on debt the send me past due bill and nothing show it belongs to me. They state they are from XXXX XXXX have not had an card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have requested multiple times VALIDATION of this alleged debt. I have advised a past bill is NOT validation. I am requesting VALIDATION of this alleged debt in the form of a signed contract with the company seeking funds from me, Diversified Consultants. I have NEVER signed a contract with DCI and have no obligation to pay this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a {$50000.00} CD with Synchrony Bank that was scheduled to mature on XX/XX/18. The bank sent me a reminder notice of the maturity on XX/XX/18, I contacted the bank via phone on XX/XX/18 to inquire about reinvestment options. I was quoted a rate of 2.45 % for a term of 14 months. This rate was also advertised on their website. I gave instructions to roll the principal into a new CD for 14 months at 2.45 % apy on the maturity date. When the maturity date came, the bank opened an account for the correct term of 14 months, but at a lower rate of 2.40 %. When I inquired about this, I was told that the rate that I had been quoted was a promotional rate that had recently ended. The bank invested my funds at the agreed upon term of maturity, but decided to lower the APY that they had quoted without making any attempt to contact me. I requested that the bank adhere to the terms that they had previously confirmed to me, and they refused. They did not deny that I had been quoted a higher rate, but would not honor that quote. I contend that the appropriate course of action would have been to either contact me and let me know of a change to the agreed upon rate, or return the funds to me. I have closed the account, and am awaiting return of my funds, and I am being harmed by the interim loss of interest.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
My sister used my personal information to open multiple credit cards, one was a Discover credit card. I had no idea she opened this card until she passed away on XX/XX/XXXX, she opened the account with my information but used her address. I contact Discover as soon as I found out and I believed that it was taken care of since I completed an affidavit of identity theft. 

On XX/XX/XXXX I went to a financial counselor to get assistance with this situation and when we looked at my credit report it shows that she had opened this account in XX/XX/XXXX, at that time I was living in the XXXX XXXX. I had no idea since I never checked my credit report. On the credit report it looks like my sister was using and paying the card on a monthly basis up until her passing in XX/XX/XXXX, the card was later closed in XX/XX/XXXX. Recently I applied for a credit card at XXXX and was denied due to this fraudulent account reporting on my credit report. 

That same day I contacted Discover and they gave me the credit bureau management department address for me to mail a letter explaining what happened and requesting for the account to be removed from my reports as it is negatively affecting my credit. I have yet to hear back from discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from XXXX XXXX in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on XXXX XXXX account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my 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 2018-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to the bureaus on XX/XX/2018 regarding some late payments on my credit report regarding my XXXX XXXX XXXX XXXX with A/c # XXXX XXXX, XXXX, XXXX and XXXX. I reached out to the bureaus to make a XXXX XXXX but I never received a response from them from this time. I tried making a XXXX XXXX as I had fallen on some hard times and were not able to make my regular 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 2018-07-26 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: UT

Complaint narrative:
FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education

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 2018-07-26 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: UT

Complaint narrative:
FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: UT

Complaint narrative:
FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education

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 2018-07-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Asked company to look into an entry on my credit report, Transunion is reporting a usury account illegal ( Both civil and criminally ) in NYS. I have attempted five times to get an explanation as to why transunion is disregarding NYS law. They normally respond with a boiler plate answer that does not address the issue. Now, they aren't even responding. Please note that this is the only credit reporting agency that has refused to remove the entry in question.

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