vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase bank cut the limits on my credit cards when I had made no late payments and was not at the credit limit. I had not used the cards in several months and was making regular payments to pay them back down. I called Chase to ask why they did this. I spoke with a CSR who called herself " XXXX. '' XXXX asked me where I was using my cards and why I used them so much in the recent past. I didn't see this to be any of the bank 's business ; however, I explained to XXXX that my husband and I had bought a house a year ago and we were using our credit cards to purchase furniture and make some necessary renovations to the home. I was also taking care of my mother, who has XXXX XXXX, and was not able to work full time for a while. She is now in assisted living and I am back at work full time. XXXX wanted to know what my " payment plan '' was to pay the cards down. I tried to explain to her that I was not using them and am making regular payments to pay them down. The balance has been going down over the last several months. I do not feel it was appropriate for this woman to ask me where I was using my credit and why. I understood that the credit was there to be used, and I am being punished for using my credit. Again, no late payments and balance not over the limit. She refused to reinstate my credit limit. This is affecting my credit score and I want me credit limit to be restored, not to use the card, but to get my credit score back where it was until this bank lowered it tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 5 months now and I have not received any responses to my requests from TransUnion. I have enclosed a copy of my dispute letter along with copies of the USPS Tracking Details proving that TransUnion received my dispute letters on two occasions and has not formally responded to my inquiries.

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 2020-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I received a call from this company and told them it was the wrong # that I never had an account with them. They proceeded to tell me they wouldn't have called me if I didn't have an account and demanded an account # or ssn. I again told them I have never had a loan with them and to remove my number. I was hung up on by 3 representatives. None of them would transfer me to a supervisor and their collection practices with voicemails is unprofessional. I advised them this is a violation of my rights and would be reporting them to the cfpb.. They again hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I am reaching out about fraud on my credit in the amount of {$2900.00}. The problem is with SOUTHERN MANAGEMENT SYST - XXXX XXXX XXXX  XXXX. I moved out a few years ago due to black mold. I informed management about the mold multiple times, and they did nothing. The grout, drywall, and framing was full of black mold to the point where it made me sick. They would come paint over spots where the mold came through the drywall from the back with REGULAR paint. This is obviously not enough to fix mold behind the drywall or in the wood of the frame ... I moved out without paying the last few months of rent because FL law states that a landlord must provide a livable environment in order for the lease terms to remain valid. I ran air tests of multiple types, all of them came back showing toxic levels of airborne spores. I have tried to contact them multiple times about this. I never curse, I am polite, I let them talk. I just want to get this resolved because it affecting my credit & it was blatantly wrong. The office people are rude at XXXX XXXX and SOUTHERN MANAGEMENT SYST hang up on me as soon as I bring up mold. Both companies/entities are awful & I am not the only one having these problems. A quick XXXX search will easily show that they have done the same to dozens - if not hundreds of other people. The fact that the company hasn't been shut down, and XXXX XXXX hasn't been torn down is horrific. I need help getting this resolved properly. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CL Holdings LLC
State: NY

Complaint narrative:
I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Bal : {$0.00} ( Equifax and XXXX  ) XXXX - XXXX XXXX XXXX  - Bal : {$1300.00} ( XXXX, XXXX, Equifax ) UNKNOWN - XXXX - BAL : {$75.00} ( Equifax ) XXXX XXXX - Bal : {$1000.00} ( Equifax ) XXXX XXXX - Bal : {$0.00} ( XXXX and Equifax ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX  - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Cant login to Carecredit.com They must have recently changed the system.I want to pay it off but log in has disappeared.I tried calling and they talk too fast and tell you to go online which I am them switch to 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 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
COLLECTION PROF entered a collection in my name on XX/XX/20 of this year for {$13000.00} on behalf of XXXX. However, I was never seen in the medical center, nor were any of my dependents. I have reason to believe this is FRAUD. I would like it removed from my credit report immediately please. 

COLLECTION  PROFESSIONALS  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
ARVEST CENTRAL MORTGAGE  XXXX This account should not be reporting any late payments. Our credit report shows " Account 120 days Past Due Date ''. 

This is INCORRECT. Arvest approved a FOREBEARANCE plan which was followed and there should be NO NEGATIVE mark on our credit file per the Agreement made. Delete the errors right away or remove the account off our credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX  gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX  store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX  to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NY

Complaint narrative:
I have been a victim of identity theft my information has been used to open fraudulent accounts. I am prepared to file a lawsuit at this point

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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following infor

mation : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a victim of identity theft my information has been used to open fraudulent accounts. I am prepared to file a lawsuit at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.

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 2020-12-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I ordered a clothing package from XXXX XXXX on XX/XX/2020. The order was shipped in two seperate packages. The first package was marked delivered on XX/XX/2020 by XXXX marking my package delivered. I NEVER received this package. I live in a gated community and have a XXXX camera doorbell that catches ALL motion on my front door. I work from home and my desk is right next to the front door. This package contained 3 items totaling {$450.00}! I immediately called XXXX XXXX within hrs and told them this package was not delivered despite the notification. They told me to wait 2 days. After 2 days, I called back and they told me they could not do anything and to file a claim with the credit card company. I disputed the charge and XXXX XXXX froze my account. I called XXXX XXXX and spoke to a chargeback coordinator that told me to file a police report in addition to the credit card dispute. I told them the package was not stolen it was misdelivered. I opened a dispute with XXXX  and a driver complaint. They offer no solutions. The credit card company denied my dispute because XXXX driver claims he delivered this package. This is the second package within one week that was NOT DELIVERED from XXXX. ( XXXX refunded my {$110.00} after I disputed the charge ). Both packages marked delivered on a Thursday. I filed a police report, the police laughed at me and filed the case closed. I am now out {$450.00} for over 2 months!! I refuse to purchase anything from XXXX XXXX ever again. The credit card company offers no solutions. XXXX XXXX told me to file an insurance claim! XXXX XXXX customer service XXXX XXXX was completely rude and stopped replying to me when I provided the completed police report and the credit card closed the dispute. I have ordered THOUSANDS of $ of clothing from XXXX XXXX and NEVER had an issue and they treated me like a piece of XXXX!! I want my money back!! Barclays Uber credit card is a scam.

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