vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I always use the interest-free option when making promotional purchases. When making smaller purchases, I use the card and pay the statement in full to avoid interest. When I attempt to pay non-promotional balances, Lowe 's applies the payment to promotional balances when I have chosen the option to apply payments to non-promotional balances first. Next, on XX/XX/XXXX, I made a payment of {$2300.00} for a promotional balance set to expire on XX/XX/XXXX. Instead, Lowe 's applied the amount for a promotional balance set to expire on XX/XX/XXXX. This is neither an accident nor a mistake, they are clearly attempting to defraud me by having me pay off a promotional purchase not set to expire for two years instead of one set to expire in six months. They are attempting to force me to pay interest for the promotional purchase set to expire within six months. If you investigate, I am sure you will discover that this is part of their standard operating procedures and they have defrauded millions of dollars from U.S. citizens with this unethical practice.

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 2020-05-11 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: TRUIST FINANCIAL CORPORATION
State: TX

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/60 days/120 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 2020-05-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX to make a good faith payment and enroll in payment relief due to being affected by COVID-19. I made a {$1000.00} payment and successfully enrolled in the Relief program. My account was brought from past due to current status. The customer representative confirmed that I would not have negative reporting due to the pandemic and my current payment. Three days later on XX/XX/XXXX, delinquent payments were reported to credit bureaus despite successfully enrolling the payment relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Nelnet, Inc.
State: MI

Complaint narrative:
Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. XXXX  is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Ive had several accounts with PNC I cant Believe how I was treated they didnt even consider that I have paid off loans before with them I have never had a delinquent account everything is paid in full on time They would not even let me speak to the underwriter manager that made that decision they never asked for any information just denied me knowing that Ive had mini loans with them. I feel like I was discriminated against PNC should always treat their customers with some sort of respect and decency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I checked my XXXX  report and noticed a negative account for a amount of {$430.00} dollars. I do not know where this came from can you please send me any documents you may have on this account? I attached a screenshot of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
IN 2019 I had problems with making payments in that I was making payments but due to a financial change I had to split my payments into 2 payments ( Total mortgage {$2900.00} split to two payments of {$1400.00} ). XXXX would return the payments. They have refused to accept partial payments like a normal mortgage company. This caused payments to be late as I was forced to wait on the returned check. Now mind you I would pay them electronically but the returned funds would be sent by physical check. As you can guess this caused payments to get missed or late when in fact they really were not late but I had to wait for returned funds. When I started noticing the issue I contact them and they told me that they do not accept split payments at ALL. I noted that other mortgage companies do and even provided examples. This went around and around. I then completed the loan modification payment in hopes that they would work with me to resolve the issue. AS of today they have been less then helpful and have now lost 3 months of payments. I have the check information but it they have not be applied to my account nor have they been returned. I get no details on where those payments went or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: VI

Complaint narrative:
Good Morning, This is a already resolved problem with the credit Bureau Experian that occurred several years ago. I am filing it with you because it was so abusive and inexplicable that I want you to have a record of the incident. I had applied for a small loan ( $ XXXX ) from XXXX  XXXX XXXX for a repair on a rental property I own. Was denied based on bad report from Experian although the other two credit bureau showed excellent credit. Experian showed several judgments and unpaid debts by another person. I assumed identity theft but this was not the cause. Experian, the credit bureau themselves, had " merged '' my report with another person. We did not have the same name, Social Security number, ever have had the same address or lived in the same part of the country, are not the same age, have the same birth date and are not related in any way yet it took six weeks of providing more and more documentation to Experian to resolve the problem that had occurred totally at their company. Resolution should have taken one phone call yet resulted in being denied a loan. I also want to point out that I never married so my name has never changed, had lived at the same address for 15 years in the XXXX. I did live in the same state ( Virginia ) as the other person 15 years before but no where near each other. I always lived in XXXX VA, She lived six hours away in XXXX VA. Always wanted an explanation for being denied this loan. One possibility is I was " red lined '' by XXXX XXXX XXXX because I live in a predominantly minority community. Another possibility is it's a scam by Experian to collect bad debts. A knowledgeable person suggested this, claimed a person desperate for a loan will foolishly be conned into paying off debts they don't owe believing it will clean up their credit report. Fortunately I was able to pay for the repairs out of my savings but would have liked to pay it off over 3-5 years and deduct the interest as a business expense. Sure would like an explanation from Experian.

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 2020-05-11 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: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called National Credit Systems because the credit reported to all 3 credit reporting agency back on XXXX20.They are trying to collect on an invalid debt. They do not have the last payment date on XXXX XXXX XXXX XXXX. By them not having the last payment date the statue of limitation can not be properly Calcuted. They wrongfully credit reported on my report with a invalid debt. I informed them that without the last payment date they can not properly Calcute the statue of limitation for this debt. Which makes this an invalid debt. The also unlawfully credit reported this to all 3 credit reporting agencies. They refused to fix it. They said dont know what I'm talking about and that they're not lawyers so there's nothing they can do for me but notate my account in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: KEYCORP
State: OH

Complaint narrative:
Key Bank reported my credit card as 30 days late in XX/XX/XXXX. I have NEVER been 30 days late. I have called Key Bank 3 separate times, and each time they investigated the account and agreed that the account was never 30 days late. They assured me that the late would be removed from all 3 credit bureaus. The last call was in XX/XX/XXXX and as of today, XX/XX/XXXX, it still has not been corrected. This has caused my credit score to drop. I am attaching my payment history for the past 12 months to show the on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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:
On XX/XX/2020 a fraudulent charge for {$1100.00} was made to my Chase credit card for an in-store pickup at a XXXX 500 miles from my home. I locked my card, disputed the charge and had my cards replaced but three weeks later Chase sent me a letter telling me I authorized the charge and put it back on my card. Chase claims to have investigated the charge but XXXX indicates that they have not been contacted regarding the matter. The information from XXXX shows that the order was placed by someone with whom I have no affiliation using a different XXXX account and email address than they have on record for me. This clearly was not researched or investigated adequately, if at all. Now the Fraud Department won't talk to me or return my calls, just get endless phone trees and unhelpful call center staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : 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 2020-05-11 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: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : 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 2020-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My student loan servicer, Great Lakes, does not allow me the choice to pay off each student loan that was issued to me, which unfairly denies me the ability to pay off student loans that are a higher interest rate. I want to payoff several of my low balance student loans, and also strategically pay down my mid-larger balance student loan based on interest rate, but Great Lakes online does not allow me to choose which student loan to apply my payment towards. Great Lakes does not allow me to select each student loan to pay, or allow me to pay more on select student loan I choose based on interest rate. Even after my obligated monthly payments are made and satisfied for all student loans in a month, Great Lakes still does not allow me to calculate and pay off any of my student loans individually that are a low balance or higher interest rate. Great Lakes has a scheme in place that is perpetually keeping me in debt instead of allowing me the option to pay off each of my student loan debts in manageable and smart ways online. This Great Lakes scheme is exploiting me so they can get maximum interest and is making it extremely difficult to pay off each of my balances that can be manageable to payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation