vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my Chase credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$15000.00} to {$7700.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. <P/>First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my Equifax credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to their customers private information. I seek swift punishment to those behind this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX 2017 I went to the Experian Credit Report official website and went there to see about getting a credit report. First item on the website, it says " Get your Credit report and Fico score '' with a hot button to click. So I clicked it and signed in ( I had already requested a report from pervious years ). From there they gave me my FICO Score and Credit Report ; after that I did n't think of Experian any more. Until I got back from an extended trip abroad and reviewed my XXXX 2017 credit card statement, and found out that Experian was charging my account since XX/XX/XXXX a monthly fee of {$21.00}. I called up Experian, and expressed that I did not order their monthly service, I also told them they should check their records, and find that I had never signed onto their web site. They said they would cancel the account immediately and credit only the last months charged. I asked that they cancel all the months, I never ordered the service ; and they declined.

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 monetary relief
Consumer complaint received 2017-07-03 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: AZ

Complaint narrative:
I submitted a letter to EXPERIAN disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and EXPERIAN did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>EXPERIAN responded stating that it meets FCRA requirements which is false. <P/>I SENT EXPERIAN the returned letter from THE XXXX XXXX XXXX XXXX ACCOUNT # XXXX stating that this item was returned to me from the address that was reporting on my credit report fraudulently. I 've attached the document with this complaint. Experian did not delete this account from my credit report they updated an address.

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 2017-07-03 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: CA

Complaint narrative:
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

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 2017-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

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 2017-07-03 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I did not g ive Kia Motors Corp auth orization to run credit report  XXXX  times. I did not know the sales rep ran my credit  XXXX   XXXX ,    2016  and than   XXXX   again  XXXX   XXXX ,  2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I filled-out the " Annual Credit Report Request Form '' with all of the information filled out and submitted the form with the required copies of my SSN, XX/XX/XXXX Rental Agreement papers, and sent it Certified Mail Return Receipt Requested. On XX/XX/XXXX I received a second request form requiring : Full Name, SSN, Complete Address for last 2 years, DOB, ( 1 ) Copy Drivers Lic., ( 1 ) Copy Utility Bill. OnXX/XX/XXXXI re-submitted all of the requested paperwork, as requested, Certified Mail Return Receipt Requested again. On XX/XX/XXXX I received a third  request form requiring : ( 1 ) Copy of a Gov. issue ID, ( 1 ) Copy Utility Bill, Full Name, SSN, DOB, Complete Address for last two years. I have already sent all of the requested information in the last two request forms.

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 2017-07-03 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: GA

Complaint narrative:
Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017

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 2017-07-03 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: NY

Complaint narrative:
I disputed fraudulent accounts on my credit report with XXXX, XXXX and Equifax in writing twice. I requested that XXXX, XXXX and Equifax send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @  XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and Equifax as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NY

Complaint narrative:
I disputed fraudulent accounts on my credit report with Experian, XXXX and XXXX in writing twice. I requested that Experian, XXXX and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

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 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
In spite of the fact that month by month I 've been lowering the balance on a particular credit card, the credit-card company charges me ( minimum paymen t ) more  and more each month. I tried calling them to ask them to reduce the minimum payments per month, but I got a run around and was told " It 's because the interest charged goes up each month. '' Yes, that 's true, but that along with any charges on my card is covered by each month 's minimum payment. They wo n't listen to me. Now, I am on a very low fixed income, and though some months I have had some extra earned income, the last few months that income has dropped to nearly  XXXX , thanks to the economy. My last payment to this card, on  XXXX / XXXX / 2017 , was {$200.00}. After paying that and other bills on  XXXX / XXXX / 2017 , I have almost nothing left to cover my food, medications, and other necessary expenses for  XXXX . I desperately need help in holding those payments to no more than $  XXXX /month for a while, less if possible. Can you act as an intermediate or ombudsman to help 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 explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!

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 monetary relief