vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a an account with Synchrony Financial through their Amazon Store Card. The card offers XXXX XXXX back on Amazon purchases, as well as the option for promotional financing on qualifying orders. These orders allow for deferred interest for periods dependent on the amount of the order. 

When logged in online at https : //amazon.syf.com/, you can manage your account settings. One such setting is the way you want payments allocated. I have since the beginning selected the option to allocate my payments first to the non promotional balance of my account. The option reads as follows : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Almost every time I make a payment, the payment is instead allocated to my promotional balance. This results in me carrying a balance subject to interest, especially when I do not follow up with the payment. After all, I have made a selection clearly to allocate them to the non promotional balance. I would have no reason to expect it to be allocated otherwise. 

The most recent example was a payment made on XX/XX/2020, before doing so I made sure that my selection was the option I described previously. It was when I checked, but I saved it again to be sure. I made a payment for the exact amount of my non-promotional balance. On XX/XX/2020 I checked and it had been allocated to my promotional balance! 

I contacted customer service chat and had it manually allocated, but they told me gave me several unlikely explanations : that my selection would take 1-2 weeks to process ( even though there was no change ), that it was a technical glitch, and that I had selected a different option. 

Then they told me I would have to have it manually allocated each time, something they have told me before. If that is the case, the page with the allocation options is outright deceitful! 

I am tired of having interest charged or wasting my time on customer service interactions any time I want to make a payment!

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 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was locked XX/XX/2020. I called the bank to ask why my account was locked, but I was denied any explanation. I was told it will take 7-10 business day to process the account for closure and another 7-10 business day to mail my balance in form of a cashiers check. I later called them after 4 weeks and was told that my money cant be released because they want to be sure the fund was meant for me. I called again and was told to bring evidence to the local branch to proof the money was intended for me. I submitted the proof on XX/XX/2020 and I was told the evidence has been approved that my money will be mail next business day which XX/XX/2020. I later received a call XX/XX/2020 from XXXX and his supervisor that they can not release the money because they want to further investigate the money. This is being ongoing for over a month. The money that is being held has verifiable source which IRS for my tax return and my unemployment benefits. This is frustrating. I am out of job right now due to COVID-19 and chase bank is holding my money for no reason. I am beginning to believe theres more to this. I want to believe I am being discriminated against because of my name. Please help me to reach out to them to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was contacted by an independent CPA that the Aurora mortgage company that serviced my loan had written off the mortgage with the IRS as part of a chapter XXXX bankruptcy. She stated that the deed for the property would be sent to me from Nation Star Mortgage as they were servicing the loans. When I contacted Nation Star as to the what the situation was with the deed, they told me the paperwork had been straightened out. The independent CPA that handled the Aurora Bankruptcy said Nation Star was illegally collecting on the properties. I have had several problems with the interest rates not being updated on my loan in addition to an employee of Mr. Cooper ( formerly Nation Star ) telling me they could not service the loan as others due to the fact that they did not have any documents for the property. Additionally, the Company XXXX XXXX XXXX wrote the loan documents and stated that the load had to be reviewed if sold more than three times. This loan had been serviced by XXXX XXXX, XXXX, Aurora, Nationstar and Mr. Cooper. What should I do? Do I need to get the Chapter XXXX information from the IRS for the Aurora Bankruptcy or hire an attorney to check the excessive loan sales that breached the original contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This account was a fraudulent account opened without my permission or correct signature. My identity was stolen and the person used that information to open an account with XXXX  XXXX XXXX. Midwest Recovery Systems has placed this in my credit report several times even though the original debt is over 7 years old and it was disputed and removed from my credit report over 2 years ago! Please investigate Midwest Recovery Systems for their debt collection practices and harassment! I want this deleted from my credit report immediately and a notice mailed to me stating in writing that it has been resolved and removed permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$700.00} -This is not my account.

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 2020-07-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

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 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CA

Complaint narrative:
I have disputed this information several times. XXXX XXXX XXXX issued a charge off on an account that I never used. It was a secured card. I was arrested for an unrelated event and the card must have been mailed and used and I was incarcerated. After a number of years passed and I discovered it was on my credit report and I began piecing together the information. 
XXXX XXXX are an awful institution and have admitted that every bit of the bill is all fees. This card was never used by me and I have no idea who did use the card. 
During the past 2 years I have battled this problem. 
The bureau says it was charged off but that it is reflecting late payments presently.

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 2020-07-19 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I hope all is well.. 
Im not for sure why my credit limit was lower it was over {$2000.00} and now its a {$700.00}. I was a little late due to the pandemic but thats not my fault. I explain that to them. They wont tell me why it was lowered but thats the only reason I can think of. I need my limit put back to were it was. Its a pandemic and my credit limit should not of been lowered at all. Thank you for your time. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not the owner of the debt mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
My debit card with BBVA Compass Bank is being unlawfully monitored for political and/or XXXX purposes. They block my purchases and prevent me from spending within the daily limits. My purchases are being blocked since XX/XX/2020. The FBI may be involved in the unlawful campaign to monitor how I spend the proceeds from the sale of my home in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Sat : I tried to log onto my Equifax account at https : //my.equifax.com/membercenter/ # /login in order to temporarily lift a security freeze, so that a legitimate creditor could verify my credit. However, I got the message " Please give us a call. We can't complete your request at this time. Please call the Customer Care Team. XXXX. Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ),  Monday to Friday. '' I needed to give immediate access to the creditor on that day, which I believe I am entitled to according to FTC regulations. So, I tried calling the number anyway even though it was Saturday and according to that message, the company is closed. I discovered that the company was in fact open on Saturday, contrary to the message on the website. However, it was already closed at the hour I called. 

Via the phone tree, I was able to access an option that allows me to request a temporary security freeze lift through an automated system. However, it took 2-3 attempts, for numerous reasons. One time, the system hung on me. The second time, I was convinced I requested the freeze lift to begin on XXXX, but the confirmation message said it would begin on XXXX. Further, the system said it would send me a confirmation # through text message, which it never did. Thinking that there was an error on my part with regard to when the security freeze lift should begin, I called a third time to do the process all over again. I did in fact enter the correct start day of XXXX, but again the system confirmed a start date of XXXX. Further, the system again said it would text a confirmation # to my mobile phone, but it never did. 

After waiting > 1 hr, I requested the creditor check my credit once again. It said there was still a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have contacted Ally Financial numerous times for a co-singer release. I need my name removed to avoid contact with this person for the safety and well-being of my family and myself. They will not make an exception and remove my name for my safety

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 2020-07-19 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: AZ

Complaint narrative:
Applied for the loan paid it in full and XXXX has not reported paid to credit bureaus

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 2020-07-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Applied for the loan paid it in full and XXXX has not reported paid to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Applied for the loan paid it in full and XXXX has not reported paid to credit bureaus

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 2020-07-19 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: IN

Complaint narrative:
We are filing a complaint against Experian Credit Reporting Agency. In XXXX, we filed a dispute with Experian, XXXX, and XXXX  for the account of XXXX XXXX. This company participated in fraudulent and deceptive trade practices, and breach of contract in XXXX. We are currently filing a complaint with the Federal Trade Commission against this company XXXX XXXX. After mailing in the disputes, XXXX   and XXXX removed the fraudulent account from our credit report, but Experian did not. Since then we have disputed this with Experian at least three times. This reported delinquent XXXX XXXX account on Experian is over seven years old and fraudulent. We are asking that Experian correct this error by completely removing this account from our credit reports immediately and correcting our scores. 
I have also attached our XXXX credit reports showing the XXXX XXXX account still reporting on Experian but removed from XXXX   and XXXX. I have also attached the letter sent to XXXX XXXX XX/XX/XXXX, the timeshare cancelation letter from XXXX, and the contract instructions for cancelation. 
Thank you for your assistance in this matter

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 2020-07-19 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: AL

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-19 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: TX

Complaint narrative:
I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.

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