vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: FL

Complaint narrative:
I hold three Synchrony Bank cards ( Mattress Firm, XXXX XXXX and Care Credit ). They all have XXXX balances. Today ( XX/XX/2020 ), I received an e mail from XXXX, noting that my maximum credit allowance at Synchrony was reduced by several thousand dollars, resulting in a decline in my credit scores ( from the 800s to the 700s ) .I contacted Synchrony and I was advised that since I had not used the Mattress Firm card in some time ( about 2 years ), they were lowering my credit limit ( {$8000.00} to XXXX. ) I asked that my original credit be restored and I was told to apply for an increase in credit. This application had nothing to do with credit worthiness and in fact may have resulted in an unnecessary review of my credit, again affecting my score. 

If I had used the card, I would have increased my debt, most likely being reflected in my credit score. If, as I did, not use the card, the end result appears to have been the same. Synchrony bank never notified me of their impending punishing action, and proceeded to to reduce my cap, thus reducing my overall ratings, and ultimately causing my excellent credit to decline. This WILL affect my borrowing power for large purchases, mortgage rates etc i would like this double edge sword to be addressed by the Bureau. I would like my original credit to be restored, and bank practices carefully scrutinized as anti consumer!

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 2020-05-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/2020 this is my second call to Citi Card and I called to pay off a balance of XXXX. I was told I couldnt pay off the balance until I pay off another balance with them first. I couldnt understand why my balance was decreasing after never being late on payments and paying extra every month. It has been at XXXX for almost a year with the same balance! They refuse to allow me to make a payment to pay off a balance of XXXX with a interest rate of 9.99 %. Is it possible to find out where all the money that I have been paying is going and why it isnt showing up or helping decrease the balance. Further more we are in the middle of a pandemic, why am I not allowed to clear up debt regardless of how small. No one wants to be behind consistently during these times! Our country is in crisis yet Im able to pay a small bill that they refuse to allow me to pay! Legal action must take place!

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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I was granted a loan extension for XX/XX/2020 and XX/XX/2020 due to the Corona Virus, which meant my next payment was due XX/XX/2020, said payment was made on time and Global Lending customer service employees continue calling advising that I my account is not current and my account is current. 
The extension was granted XX/XX/2020 which covered XX/XX/2020 and XX/XX/2020. 
Letter attached dated XX/XX/2020 from Global Lending confirming the extension was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I am in an active bankruptcy, a senior citizen, XXXX, and lost three out of four jobs to COVID. I have help to pay my payments by a school and/or XXXX XXXX, but need a W-9 form filled out by my mortgage Company for me to turn in with my applications. I called on XX/XX/2020 and got hung up on several times with no resolution. I finally talked with an oversees representative who assured me that he would automatically send it to my e-mail immediately, as well as send me copy in the postage mail. I tried to contact them all day on XX/XX/2020, getting hung up on several times and told that there phone service is not working. No resolve on that date! Today, XX/XX/XXXX, I was told multiple times that they would check, placed on hold ( if I was not disconnected immediately upon calling ), then disconnected and multiple times just hung up on. I asked for supervisors, given a female at XXXX Extension # XXXX and XXXX at the same # Extension # XXXX. I was promised not to be disconnected by both, and a promise of a call back ( which did not happen by the first ). I was told that they would take another XXXX days in which they would decide if they were going to send it, it had to go through a review process first. This information is time sensitive as my help will disappear if I do not provide this W-9. I was told on the XXXX that it was sent E-mail, now told that they did not, and might not send it at all. I have checked with an attorney, who stated that it is illegal to withhold this W-9 as the IRS states this. I need this help, but can not get resolve, as they keep moving the date to a longer hold and outright refusing it. I have called 23 times in the last two days, gotten hung up on, disconnected and refused this paper. I need some help to obtain this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I opened a XXXX Synchrony Credit Card account in XX/XX/XXXX. Since opening the account I have paid every payment on time each month and have completely paid off my balance once and was planning to do it again in a few months. After paying more than the minimum payment on my account and paying off the balance of another Synchrony account, they closed my XXXX account for no apparent reason. Customer Service explained that my account was closed due to poor credit but my credit has actually improved since opening my account, so this explanation doesn't make any sense. Upon further review, I've seen hundreds of complaints from people who have had their accounts closed in the same manner over the past few days. It appears Synchrony bank is closing accounts during this pandemic to protect themselves and hurting consumers in the process. My account was closed on XX/XX/XXXX with a balance of {$1000.00} and a credit limit of {$1500.00}.

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 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I received a notice on XX/XX/2020 from XXXX, a credit monitoring service, that a derogatory report appeared on my credit report and that my credit score had decreased. The company making the report appears as Southwest Credit Systems on my Experian credit report. The derogatory report appears as XXXX  XXXX XXXX on my XXXX XXXX report. I have not received written notice of any debt owed either to Southwest Credit Systems or XXXX XXXX XXXX. As such, I have never been given an opportunity to dispute said debt ; however, a derogatory remark appears on both my XXXX XXXX and my XXXX  credit reports. On XX/XX/2020, I disputed the derogatory report with XXXX. On XX/XX/2020, I attempted to dispute the derogatory report with XXXX XXXX, but XXXX XXXX website did not afford me the opportunity. Under the Fair Debts Collections Protection Act, I have the right to be informed in writing of any alleged debt owed and I have thirty days to dispute that debt. I have been denied both of these rights. Furthermore, I am not in arrears for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to dispute information with the credit bureau and they denied my request to investigate and remove unverified 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 2020-05-22 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: DISCOVER BANK
State: LA

Complaint narrative:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-22 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-22 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: CA

Complaint narrative:
My Chase Sapphire Credit Card ( and phone ) were stolen on XX/XX/XXXX at XXXX. I reported it stolen to the police at XXXX on the same day. Starting at XXXX, while I was in the presence of two police officers completing a police report, the thief made over {$7100.00} in fraudulent charges to my Chase credit card an hour away from my location. Chase refuses to remove these charges from my card. 

My attempted contact with Chase : I emailed Chase on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I sent Chase messages through their secure messaging app on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. I did not receive a single response. 
I've called Chase dozen of times starting on XXXX during their business hours. They either didn't answer the phone or I spoke to an operator who could not connect me to the Fraud department. In total, I've received two voicemails, and one call from Chase. During the call, the Chase representative hung up on me and did not call me back.

I sent Chase a copy of my police report by certified mail which they received and I've emailed them my police report twice. I've emailed them the phone number and email address of the Deputy Police Officer investigating my case, but Chase has not called them.

Chase has sent me three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that the {$7100.00} in fraudulent charges are valid. My Chase credit card bill is due on XX/XX/XXXX, these fraudulent charges are still on my account, and I am not paying them or for the interest that will accrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 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: Student Loan Finance Corporation
State: CA

Complaint narrative:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : Reunion Student Loan Finance Corporation XXXX : Student Loan Finance XXXX XXXX XXXX : XXXX XXXX  Reunion Student Loan Finance Corporation Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
In XXXX of 2019 I found out that I was a victim of identity theft and that someone had been going to school in my name, for years, resulting in several student loans being placed on my credit report. Close to  {$30000.00} in benefits were taken but none of the loans were paid off which has led to them continuing to accrue interest. 

For the past 8 months, I have tried disputing with the creditor, and credit bureaus, to no avail. I have requested that each provide me with the original contract bearing my signature to validate that the debt is mine but they have continually disregarded my request. Month after month they continue to " validate '' that the debt is mine without providing any physical proof. 

I have also sent information stating that I am a victim of identity theft, along with an FTC affidavit, an IRS affidavit, a notification from a credit monitoring service showing that my information had been sold on the dark web, as well as a police report and they have refused to block the information without any explanation of why they chose to do so.

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