vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/2022 i received an electronic letter stating my credit limit of {$2000.00} was being reduced to {$1200.00} - i immediately called to speak with someone as this will be taking a major toll on my credit score affecting me in so many different ways. I have worked hard everyday on my credit so any minor change affects me in many ways. 

XXXX XXXX-is reducing my credit line by {$800.00} this will in return cause my credit utilization to drop drastically causing my credit score to crash which will in return leave me struggling for months to fix. 

I called customer support for assistance and instead was insulted and kept being told if i seen the letter sent then there was nothing they could talk to me about at that point. The gentleman on the other line even hung up on me when i asked to stay on the line and be transferred to someone else. 

I don't understand why Synchrony Bank is causing this inseparable damage to my livelihood as a single dad i moved my children to our new place and began working on putting our life back together decided to finance furniture and pay it off with the promise of no interest charge for a year, if i would have known they would pull the rug under from under me on the offered credit line i would have never financed thru them and would have paid in cash. In addition i enrolled for AUTO PAY since the start of my financing with Synchrony bank and was told that my account was never enrolled and all i have been paying is late charges on my account this is really concerning specially because when i called in for help their automated line kept asking me if i was " disputing a late charge '' multiple times thru the process of trying to reach someone, this only shows that they get these types of calls often are are probably not processing " auto payments '' to cash in on the late charges and capitalize on those fees. 

i am requesting my credit line to be reverted back to its original amount. My credit score is even higher then when i originally opened my account with Synchrony and i monitor my credit on a daily basis so i am not sure why this is even happening.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX Reference # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-06-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-06-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EXPERIAN COLLECTION : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COPPER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALASKA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: SC

Complaint narrative:
I paid off a loan with XXXX  XX/XX/2022. XXXX provided a loan verification letter which i submitted to the experian. Experian did not update the credit file to reflect the loan was paid off and because of this, I was denied for my mortgage loan.

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 2022-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : XXXX. Tracking # XXXX XXXX # XXXX XXXX # XXXX I MADE A CFPB Complaint About violations from the bureaus XXXX. # XXXX ( EXPERIAN ) XXXX. # XXXX ( XXXX XXXX ) XXXX. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX Credit Unions XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX Department, variety , local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have conventional mortgage that Rocket Mortgage has purchased and begun servicing from XXXX XXXX  XXXX. Rocket Mortgage promoted bi-monthly payments as a way of paying down the mortgage quicker. I therefore enrolled. 

Upon reviewing my first couple of statements, I noticed that Rocket Mortgage was not apply my payments as soon as they received them, rather they would hold them in an " unapplied '' status until the second payment of the month arrived, then applied both. During the time that my first payment was held in unapplied status, I continued to accrue interest on the loan and was not credited for any interest on my partial payment help in suspense. 

I have since unenrolled in this program as it is deceptive and it of no benefit to me but a benefit to the servicer since they are holding the monies interest free. I have now replaced the payments with a once a month autopay of the full payment amount. However, Rocket Mortgage still has a partial payment in " unapplied '' status that is leftover from the bi-weekly payment enrollment. XXXX full months have passed and Rocket Mortgage has received and applied XXXX full payments from me. However, they still have not swept and applied this partial " unapplied '' payment they have held in suspense since XX/XX/XXXX ( almost 60 days ) If the servicer is not required by law or contract to apply payments more frequently than once per month, they should certainly at least apply ALL unposted monies on the account at the same time they are apply the new full payments. 

I find this servicers tactics deceptive, dishonest and probably in violation of consumer credit regulations.

Company response to consumer: Closed with explanation