vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I found so you can help me to remove my inquiries from credit report.. ( For Victim of your inquiries issues ). Reason of inquiries I do have in my credit report it is for applying with average or fair credit for to get credit card to improve my credit and Credit Bureau requires more then 11 credit card is more better for improving credit score ( that is the reason I was applying for credit cards ).

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 2021-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Closure date of account is XX/XX/2018 stating that the reporting agency Bank Of America has suspected fraud on one of my personal accounts and closed it without any notification. This has made it very hard over the years to get a bank account. It has been over three years which is the amount of time it takes for the report to fall off of your record.

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 2021-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Paid XXXX XX/XX/2020 for XXXX. Paid XXXX XX/XX/2020. Paid XXXX XX/XX/2020. Regular payments are XXXX and now I'm behind XXXX. Kia mother finance won't take my calls. I have spoken with everyone and for several weeks. My payoff is XXXX, when it should be less than XXXX. My account was closed and I have statements to prove why. It does reflect all the payments I made and on time. Please help. Thanks.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT 0, INC
State: FL

Complaint narrative:
In XXXX  the agency XXXX XXXX offered me a contract in which the agency negotiates with my creditors to repay my debt and rebuild my credit. We reached an agreement in XX/XX/2015 in which XXXX XXXX charged automatic monthly payments of {$350.00} using my checking account. The term agreed was 54 months for a total of {$19000.00}. 
The accounts they agreed to pay off were the following : XXXX XXXX - {$9700.00} XXXX XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} Total = {$26000.00} Although the terms of payments have lapsed and payments were paid in full as agreed, the agency XXXX XXXX has failed to fulfil their agreement of paying the accounts to restore my credit history. Recent credit reports indicate that the largest accounts have not been paid. I have contacted them in numerous occasions and spoken with one of their representatives. In the past the representative indicated that the debt payment is being handled and offered an option to extend my contract to a longer term. Since I had did not have the need for it, I did not extend the contract further but fulfilled all the agreed payments. Since contract term have lapsed and the debt is still showing on my credit report I have made numerous attempts to contact the representative again. However, I do not get a response or I am informed that the representative is on another call or unviable. I left my contact information for a call back numerous times by the representative who was handling my case but I never get called back.

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 2021-02-14 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: TX

Complaint narrative:
A letter was sent asking for the proof of accuracy for information on my credit profile XX/XX/2020. A 609 letter was sent asking for an investigation into the accuracy of my address, name, social security number, and a late payment on my credit profile. A notarized copy of my drivers license and social security was sent along as well with the 609 letter for verification purposes. It was asked for my profile to be corrected and updated within the 30 day window allowed by the Section 611 of the FCRA as well as the accuracy of the late payment verified, but this request was not honored.

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 2021-02-14 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: CA

Complaint narrative:
Hello, I have a credit card with CareCredit ( Synchrony Bank ). When I opened my account I received a credit limit was $ XXXX. In XXXX of 2020 they decreased my credit limit by {$4700.00}. Now my credit score is ruined, my new credit limit is {$250.00} verse {$5000.00}. I never received an email for notice on my statement that they were looking into my account for review or even sent a letter stating they lowered my credit limit. I called CareCredit and only informed me that the company runs random credit checks and have the right to lower my credit limit. I never received any information about why they lowered my credit limit. What makes this situation worse is that my mother was a co-signer. Im afraid this is going to effect her credit score. 

I dont know what to do and just feel like this is not good practice. I would like a real explanation as to why they did this to me. 

Thank you

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 2021-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have an on going problem with PayPal Credit. The issue is that PayPal Credit improperly credits payments to my account in an attempt to prevent me from paying off special financing purchases they offered not to occur accrued finance charges for that promotional offer This is not a mistake but a deliberate attempt and practice of PayPal Credit to collect finance charges on those promotional purchases they are not owed. In other words, they assess finance charges when the promotional balance would have been paid off by the excess payment amounts I made during the billing period in excess of the minimum payment for that billing period for promotional finance offers where the balance would of been easily paid off with my excess monthly payments making it impossible to pay off the promotional offer without paying any finance charges like they advertise.. Instead of properly crediting the oldest, expiring offer they ALWAYS credit the newest offer that does not expire for months! I have experienced this numerous times over the past two years with PayPal credit. They always have an excuse as well. One time I call they say the excess payment must be included with my minimum payment. The next time they state it must be made in two or more separate payments. .I 've spent hours of the phone with them and they always say they will corrected and they will send it to research to have the payment reallocated... Well in the few instances where it was reallocated it happed they " conveniently '' make the payment adjustment the next day AFTER they have assessed finance charges on the entre promotional period. I've neve dealt with a bank where customer service agents have to send every account adjustment off to another department and take 3-4 weeks for for the actual adjustment to be made and even then they still assess the finance charges for their '' mistake ''. The reason is that it is not a mistake! PayPal Credit intentionally engages in business practices that are akin to loan sharking where it is impossible to pay off promotional balances using the payment system they have in place. This is intentional and deliberate

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 2021-02-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase posted a charge to XXXX on XX/XX/2020 from XXXX  for {$120.00}. I called Chase and reported the fraud. Chase reversed the charges, closed that card and sent me a new one. In XXXX Chase again posted a similar fraudulent {$120.00} charge to the new account ending XXXX. I did not use the card at all. Chase is the only one with the new card number as my physical card is placed in storage. 
I again reported the fraudulent charge. Chase started the dispute on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who transferred me upon request to XXXX. XXXX harassed me an behaved abusively instead of informing me of the status of the charge. He yelled at me claiming it was a recurring charge. I pointed out that there was no other charge except the previous fraudulent charge that closed the account. I asked for a letter explaining the result of the investigation into who gave this second card number to the criminal creating these fraudulent charges. XXXX said they would send a letter. I thanked him and asked when the charge would be removed and he started harassing me again and then hung up. 
I called again tonight and spoke with XXXX who transferred me to XXXX in XXXX MO. He said that a letter was sent on XX/XX/XXXX. I haven't received it yet. I asked why the charge was not reversed and XXXX said that was up to the fraud department and to call them. I said I didnt want anymore arguments on the phone, I wanted it written down and was calling to learn if a letter had been sent. I repeatedly asked that the card be closed because Chase was using it as a scam to inflate their balances owed. 
Chase gave my credit card to a known fraudster, whom I can not contact to address these fraudulent claims. I do not have and have not received any TV services. I do not have a TV. The actual XXXX XXXX XXXX knows how to contact customers or visit their homes to stop service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo robbed me. On Thursday XX/XX/2021 I was not able to make a credit card payment from the drive-through so I went inside breathing during a pandemic and waited. I had tried to pay earlier on drive through and could not. So finally I was given my total of {$65.00} owed and paid my bill in full with cash. The Wells Fargo representative gave me a receipt immediately. There was nothing printed on the receipt about holding the cash payment. The Wells Fargo agent did not say anything about the automatic payment being charged. When I checked my account online later that day it said that I owed nothing and the {$65.00} was credit pending. 
When I called on XX/XX/XXXX, I talked with XXXX who transferred me to XXXX. I reported to her that I saw online that the credit was still pending and that WF had removed XXXX from bank account. XXXX said that I had autopay and I said that was to pay debts owed, not debts imagined. XXXX said that it could take up to 5 business day for a payment to post. I asked why WF presented a receipt for cash as received but held the payment in hidden accounts. I asked why WF was defrauding me by telling me how much the bill was, taking the payment, not posting it, then stealing money from my bank account. XXXX then said that I had mentioned fraud so she had to transfer me to someone else in fraud. 
XXXX took my fraud complaint, saying she was noting all the details. I said that I wanted the fraudulent transaction from my bank stopped or my stolen money refunded to my bank account. XXXX said she was noting it and someone would get back to me. 
Wells Fargo continues to hold my stolen money. Wells Fargo must return the stolen money and pay any bank fees associated with this fraudulent bank draw. 
I locked the card so it could not be used, resolving to end this abusive relationship with WF. Nevertheless WF allowed a recurring charge past the lock. I disputed that charge as WF is a criminal company using my name in their criminal conspiracy to juggle money in secret accounts. WF can not transact any business on my behalf because of its commitment to theft and fraud. I told XXXX that. WF misrepresented my balance to credit agencies in accepting the charge and in stealing the money. WF also violated FDCPA in robbing money from my bank account when I had no debt, violating any autopay agreement we may have had.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, Lexis Nexis. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home. 

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One charged me an annual fee of {$59.00} on my XX/XX/2020 statement. They had my current mailing address, but they never mailed me the statement. Capital One subsequently charged late payment fees of {$25.00} in XX/XX/2020 and {$38.00} in XX/XX/2020 ( plus interest ). It wasn't aware of the annual fee or subsequent penalty fees until there was a delinquent payment indicator on my Credit Report. 

I contacted Capital One by phone on XX/XX/2020. I was informed that Capital One didn't mail me any statements because I opted out of paper statements in favor of electronic statements. This was impossible, because Capital One didn't have a correct e-mail address or a correct phone number on file. I updated that information during the call on XX/XX/2020, and I paid the balance due in full. However, the customer service representatives declined to remove the late payment penalties even though there was no way for me to have known ahead of time that I owed an annual fee during the month of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, XXXX XXXX. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home.

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I have been harassed by a collection agency side 2019, a request for payment from PennCredit Corporation, stating that I owe an amount of {$350.00}, product : XXXX XXXX service date:XXXX creditor : XXXX XXXXXXXX. I have been calling to the number on the letter but no one answers, send an email requesting further documentation such as invoice with credit card used but did not received any response. I believe some else used my name and personal information to purchased this product. I have never contacted this company to purchase the product above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I have called multiple times. We never lived in the property for the time they are trying to charge us. The charges on the account are blatantly fraudulent and no one is willing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: CA

Complaint narrative:
Refinancing of our mortgage loan was closed and all payments disbursed ( to the previous lender and us ) by the escrow company on XX/XX/2020. 
Lender : Everett Financial Inc., dba Supreme Lending, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Escrow Company : XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX The lender asked for the first monthly payment to begin on XX/XX/2020. No gap month was offered. We complied and paid the first payment to the lender on time on XX/XX/2020. 
Instead the lender gave us credit for " prepaid interest '' for the period of XX/XX/2020 - XX/XX/2020. 
The escrow was initially scheduled to close on XX/XX/2020. But the closure and fund transfers were delayed until XX/XX/2020. 
But, we were not given the extra credit for " prepaid interest '' for the remaining period of XX/XX/2020 through XX/XX/2020. 
We contacted both escrow company and the new lender several times. But we either got no answer, or was told the escrow is closed and no more funds available to compensate us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Account is showing charge off/settled for less. Account was paid in full and the company agreed to change that status through their law firm. 

This is for both the JC Penny account and Value City.

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 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Citi Costco Anywhere Credit Card. I recently received my annual rewards certificate. The redemption policy requires me to go to a Costco warehouse to redeem the certificate. Someone else who has a Citi Costco Anywhere Credit Card can also redeem the certificate in store. There is no other way of redeeming the rewards. The certificate expires by XX/XX/2021. I explained to Citi that I have a family member who has an underlying medical condition and as a result I do not see myself going into a Costco store ( or any retail store ) this year, even after the vaccination. I asked if Citi would allow me to redeem the certificate ( 1 ) on costco.com online purchases ; or ( 2 ) for a credit balance. The Citi rep was sympathetic but insisted that she has to follow the policy. She even admitted that she herself would not visit a Costco store.

This policy only helps Costco and Citi maximize customer spending but in light of the pandemic their refusal to make reasonable accommodations outlined above only shows that both firms put their financial interest above their customers ' health and financial wellbeing.

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 2021-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/XXXX Payment and XX/XX/XXXX payment were never late. Company through customer service investigated and found that those payment were made on time. They agreed to fix already but have not. 

This relates to my Kohls Card.

Company response to consumer: Closed with explanation