vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an email on XX/XX/XXXX from American Express telling me the company had reduced my credit limit from {$1400.00} to {$800.00}. I had just paid down the balance on the card by {$1000.00} on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) with a plan to pay the balance down to {$0.00} in XXXX. I had unexpected medical expenses and home repairs at the end of XXXX that drove my balance up. However, I never missed a payment and never went over my credit limit. 

I contacted Amex customer service and they said the decision was triggered by their system and my account was under review by a team. I requested the credit limit not be reduced because they are hurting my credit standing overall by making this decision immediately after I paid down the balance. The customer service agent assured me that Amex cares which is the furthest thing from the truth.

I believe the way that Amex is managing their accounts is predatory in nature. I would like to see their practices of reducing credit lines audited. It appears they are trying to hurt customers who have done nothing but use their credit line and paid it down in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are Inquiries reported in my credit report and I have never authorized to run my credit report.

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 2019-02-21 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: FL

Complaint narrative:
There are Inquiries reported in my credit report and I have never authorized to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. 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 2019-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On XX/XX/XXXX I checked my account as I made two recent large  payments, one of which was canceled upon my request as it was made from the wrong bank account. I had decided to also check my account history for the life of all loans. I noticed " loan sale '' in the list of transactions and I called to inquire about it. The representative suggested I sort the history " by loan '' and I will see that a loan sale is the transfer from one service provider to another and it will not impact my balance. Sorting " by loan '' did show the additional column of " balance '' which helped me understand that my balance had not been impacted by this loan sale transaction. 

Upon further review, I noticed that on 9 different signature student loans, my entire payment being made ( one lump sum payment made and spread across all loans ), 100 % of the payment was going towards interest only from XX/XX/XXXX to XX/XX/XXXX. 

For 6 years, ( a total of 68 payments ) my payments were only being applied to interest. Over that period of time, I paid {$17000.00} in interest only while my principal balance was not impacted. I checked my wife 's account with Sallie Mae/Navient as well as my own Stafford loan I also had through this company and these loans were not treated the same way. 

My Stafford loan payment application was roughly 85 % principal and 15 % interest for the life of the loan. My wife 's loan which is the same loan type as the 9 aforementioned loans of mine, had a payment application of roughly 50 % principal and 50 % interest and had increased to roughly 75 % principal and 25 % interest later on in the life of the loan. 

I was never educated on my loan payment application percentages and I never gave permission for interest only payments for the period of XX/XX/XXXX to XX/XX/XXXX. I never made any changes on or after XX/XX/XXXX to payment application percentages. The company made these changes on their own accord without my knowledge. 

This has caused me to overpay a large amount of interest. With my principal balance not changing for 6 years, the interest on XX/XX/XXXX and after XX/XX/XXXX was based on a much larger principal than it would have otherwise been, had the payments been properly applied to both the principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was not notified that there was a debt owed to the company and before they notified me so we could resolve the issue, they pulled my credit without my permission thereby damaging my credit score as reported by the credit bureaus according to my credit monitoring service. I have asked them to remove record of the credit pull or change the credit pull to a soft pull so that it will not adversely affect my credit score but have refused to take action. 

I contacted the company 's representative on XX/XX/2019 to withdraw the credit pull or at least change it to a soft pull but they refused even though we came to a settlement agreement. 

I also notified the company of the dispute via mail on XX/XX/2019 that I have attached to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
It looks like the original creditor was XXXX XXXX. I spoke to XXXX XXXX bank bank in 2017 regarding this account. I had no knowledge of this account that was opened under my SSN and immediately filed a dispute.The results of the dispute came back as i was NOT Liable for this account. One year later, XXXX   XXXX bank forward this account over to a third party collections company XXXX XXXX. I have spoke to this third party company and adivsed them that I was not liable for the account. I then also contacted XXXX   XXXX bank again and they act like they have no knowledge of anything, since the account was forwarded over. There is report on my credit report. That the account was removed initially when it was with XXXX  XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 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 1. XXXX XXXX XXXX. 
2. XXXX 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 2019-02-21 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 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 1. XXXX/ XXXX XXXX. 
2. XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 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 1. XXXX XXXX XXXX

2. XXXX 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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
I received an alert from XXXX  on or about the second of XXXX, 2019, stating that there had been some changes to my account, and I when checked my file I found out that National Recovery Agency had reported a couple of accounts that I have no knowledge about. The two accounts were reported under Account number XXXX with a balance of {$560.00} and {$340.00}. 
National Recovery Agency did not notify me of these attached debts, which I was told by XXXX agents that they were medical. National Recovery Agency just reported the issue directly to XXXX as delinquent without notifying me of the mentioned debt, which is in direct contravention of the law. The reporting thereby depressed my credit score as a result of this reckless action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
So tonight ( XX/XX/2019 ) I applied for a credit card with Synchrony Bank ( also shown as XXXX   XXXX XXXX  / SYNCB ) in conjunction with the merchant XXXX ( XXXX ). 

The reason for applying was that they offered free financing for 6 months and you could complete checkout upon approval. I was approved, but on the application page where it said I was approved, there was no temporary number listed to use. 

I called Synchrony Bank ( XXXX ) immediately. I was told by both the initial customer service agent and her supervisor ( XXXX ) that this not a service they offer and they would never give a temporary account number. They said it must have been a " glitch '' on their website and I'd have to wait 7-10 days for my card. The issue with that is I am on a time crunch and need the product before I could conceivably get it if I waited on the card. So the card is essentially useless now. 

I asked them to just cancel the card or application since I didn't need it anymore, and they said they couldn't stop the application and I'd have to call back in a few days to cancel the card. Considering that the hard pull/account age will negatively impact my credit score moving forward, and the only reason I applied was based on misinformation, I feel as though I should have a means to get this account removed from my credit history.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After sending certified, return receipt letters to Equifax on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$310.00}, account # XXXX, requesting that I would like some type of verification for the supposed debt that was bearing my signature, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long Equifax is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Equifax, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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:
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. 

I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Nissan Motor acceptance has continuously reported inaccurate information as recent as this month for a auto loan that was paid by additional gap insurance i had on my auto. Nissan, has also reported the same account twice as derogatory. I have repeatedly requested the method of verification used to proof the balance owed & have not been provided with it. I have requested to have the items deleted from my credit report & they have not complied. First they reported In XX/XX/2017 that I owed over 13k and just this month they reported I owe {$580.00}. When I spoke with a Nissa rep they said they wasnt certain where the balance was from and couldnt verify it. 
Please have this item deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Diversified consultants reported an old account from XXXX as a collection account to my credit which in fact was discharged in a chapter XXXX bankruptcy. They refuse to remove the debt and are violating federal law because this debt by law is no longer allowed to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: FL

Complaint narrative:
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize

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