vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I checked my account credit limit on the XXXX. I found out that Synchrony Bank took my available cash that I paid on my account, kept it, then lowered my credit limit after I had been a customer for 10 yrs with Amazon! I never paid them late, I paid earlier than my due date and I sometimes paid more than the minimum. I paid this particular account 3 times in XXXX ; {$39.00} on the XXXX ( which was more ) ; {$500.00} on the XXXX and {$50.00} on the XXXX. My available credit limit was {$700.00} and rather than applaud my payments or offer me a credit line increase, they took my money, essentially stealing it from me and lowered my credit limit. I could understand their concern if I paid them haphazardly or didn't pay any attention to due dates but that was not the case. And this is how I have paid them consistently for 10 years! I am flabbergasted and incensed! Now comes the part that is definitely egregious ... .the customer service of the staff there is very unprofessional and not conducive with the Amazon branding of a smile. While Amazon is dedicated to helping their customers, this company acts as if they are bill collectors ... .I was placed on hold for 20 minutes, hung up on and finally told by a manager that they could review my Jcpenney account and do the same thing to it. And my account could quite possibly be closed altogether! After 10 YEARS!

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 2020-02-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX  credit report without me authorizing their organization to view my credit history. 

This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX. 

This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. 

I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : American Express Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that this unauthorized inquiry be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
After losing my job and having a hard time making payments on the loan I received from Opploans ( which was 160 % apr ) they started calling me nearly every day and also calling my family members. It got even worse when they started calling me on Sundays at XXXX XXXX. Which is against the federal regulations of debt collection practices. I will be filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Have had this loan for multiple years and have also been or paid on a bi-weekly program either through the company or on our own. We prior to the sale or take over by this mortgage company were on their bi-weekly program. When NewRez dba Shellpoint took over they didn't not participate in that program but we kept on paying bi-weekly through our bank and there didn't seem to ever be an issue until this last year when they for some reason would take one of the bi-weekly payments and make it a principle only only payment. In the event of them processing the bi-weekly and additional principle payments incorrectly they have managed to get our schedule off and now it is showing that come the first of each month we are short on the payment and have since been issued late charges I've called multiple times trying to talk to someone about the issue but it is always after they have applied the " late payment '' and just say they show my account in perfect standing order. Then the first comes around and we are repeating the same process.. I pay {$650.00} the XXXX  and XXXX Friday of every month so come the first I have my regular payment plus and additioon {$250.00} for principle.. I got tired of them putting the blame on me because I wasn't doing the samething buth through them on their time schedule. I finally gave in and set up the bi'weekly to start XX/XX/20 and every other Monday thereafter and assured by the superviose XXXX XXXX XXXX XXXX that my account was again in good standing order once this was started I'd have no further issues. But when I went on the website and looked at my billing history in the same situation. They have made some big mistakes misapply by payments and I just want my schedule to be fixed and stop be charged late fees. No telling how messed up principle payoff has been affected by their XXXX ups. I want my account to reflect my 2 monthly payments being applied to the next month and refunded every dime they've charged me inappropriately. I'm including a copy of my payment history for the last 13*months.  Also attached is a copy of my last statement and if you notice on the back it states that amounts paid in excess will first be applied to satisfy any delinquency yet that has never happened and I pay an {$250.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my Experian credit report without me authorizing their organization to view my credit history.

This is a violation of Federal Law. XXXX XXXX is knowingly reporting false information to Experian.

This inquiry is NOT MINE, nor was it authorized by me, and XXXX XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX.

I've asked for verification. They failed to supply verification.

This inquiry is negatively affecting my credit report and score due to this company 's false reporting.

I contacted XXXX XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE.

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATIO

N, NOR ANY PERMISSIBLE PURPOSE. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : XXXX XXXX Made on : XX/XX/2019 Made with : Experian The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.

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 2020-02-17 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: CA

Complaint narrative:
I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.

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 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: AL

Complaint narrative:
Started application process in XX/XX/2019 summited everything needed including paying for appraisal, my old mortgage company was removed from my homeowners insurance by them without my knowdege, like everything was okay with loan, two Hard Inquiry was pulled on my credit report which lowered my FICO score, was told by company everything was fine he had lenders approval letter that we should be ready to close soon then I stopped hearing from him. It is now XXXX the title closing office also stated she can not get in contact with him. They were ready to " CLOSE '' I asked for a letter of denial if we weren't going on with the loan I get this email not signed by anyone, not on company letterhead etc.. form had that I was denied due to " non proof of employment '' would not have gotten this but I asked nothing was mailed. A CPA had sent information earlier on this, I had other times I feel remarks or questions were due to my race., " why do you have two bank accounts '' giving me the impression blacks should not have two .I have text message. Amount of refinance was {$140000.00}. My home appraised for {$230000.00} with only {$85000.00} left on mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They charged me for credit monitoring that I never accepted to paying for. They said they needed my debit card to verify my identity but never stated I would be charged and signed up for their subscription. 

Product TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2020 - XX/XX/2020 Price Sales Tax {$24.00} {$1.00} TOTAL {$25.00} Payment Method Amount Billed creditCard {$25.00}

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 non-monetary relief
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.

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 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
Second Round Limited Partnership has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We had XXXX company to make the payments of ours home mortgage in XX/XX/2019, then they transfer our account to a company called shellpoint Mortgage Servicing, New Rez LLC dba and since that they only sent to us one paper bill and stop doing it! I called to them and asked about my bill on paper for XXXX and they said that will sent it to me and nothing yet now we are late and their online billing option does not work yet, is not fair that we never have problems with XXXX making payments a month ahead and that since this transfer account we do not wan na gon na get affected with extra fees of late payments and a possibility that they will destroy my credit score that I work hard to keep and maintain in a good score. we need help in this situation, thank you!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them 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
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
syncb/ppc Showed up on my credit report as a delinquent account. 

I called their ( synchrony bank ) fraud department trying to figure out what it was, they mentioned it was opened with a XXXX  email account and mentioned several purchases that were unknown to me. We both agreed that was not my account. Then months later i get a letter saying they denied my fraud claim because someone ( not me ) made payments on the account at some point and somehow i benefited from the fraudulent purchases? 

After i got this letter i called immediately and was told to ignore that letter.. 

60 days later the fraudulent account shows back on my credit report. 

I called immediately and they re-opened the case without giving me any other details other than the account was owned by XXXX XXXX  ( never heard of them ) and they have received tons of calls about the same issue. 

I filed a dispute with expiran credit agency and may open a police report soon. This is identity theft and blatant fraud by the bank pinning this account to my name.

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 2020-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My car was repossessed in 2019. I never received anything from them regarding the sale of car or my personal items from vehicle The car was them sold for {$500.00} and never received my belongings from vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Business Factors
State: NV

Complaint narrative:
National business factors in XX/XX/XXXX repeatedly call my place of employment and home 7 to 8 Times a day stating I would be garnished and bank account froze if I did not set up a payment plan. I never received notice of these bills from XXXX XXXX XXXX XXXX but I had taken my children there due to emgenecies out of my control and I had no income or job but could not get the XXXX approved. Once I had a job they kept calling and threatening garnishment of my paychecks if I did not set up a payment plan which eventually I did and paid XXXX a month for 2 years but yet none of the medical debt went away and barely paid off. XX/XX/XXXX they started harrassing me for another payment plan stating the other one did not count and I were to be garnished again they kept calling my work and my phone I had to get a new phone number and bank account to stop it.

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