vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX account managed by Synchronic Bank lowered my credit limit from {$700.00} to {$160.00} based on false information and/or someone's very personal decision. Terms and Conditions states that Credit Card account may choose to make annual revision of account to increase limit or provide offers. Terms and Condition don't give mentions of lowering credit limit only because my credit report changes. Usually a big fan of XXXX Credit Card. But you guys really made a mess. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Dont want to close my account after all these years. 
My credit report changed for around a month and 3 weeks due to an error made by a company which sent me to collection. This collection has now been deleted from my credit report 7 days ago, and actually my credit score were XXXX until you decided to lower my limit and it went down 22 point due to this action taken by one of your representative. 

I don't believe the system messed up 7 days after my credit score went up and my collection was deleted from my credit file. I'm now taking actions and I'm asking you to re evaluate this action and give me back my original credit limit. 

Please be advice, this isn't the only way I'll be discussion this matter, I'll be sending a goodwill certified letter, I'll be using my State Attorney and the FTC so you can impinge the Terms and Conditions correctly and make it right for the customers.

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 2018-11-13 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: CA

Complaint narrative:
I have tried calling Transunion, XXXX, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.

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 2018-11-13 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: CA

Complaint narrative:
I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried calling XXXX, Experian, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.

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 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged-CH XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy Discharged-CH XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I saw an ad on XXXX on XX/XX/2018 for 3 tickets to the XXXX XXXX vs XXXX XXXX game that evening in XXXX, Arizona. I contacted the owner through text ( screen shots attached ) at XXXX and through texting, the seller sent me a screen shot of the tickets via XXXX  ( also attached ). The price of {$250.00} was agreed upon for these 3 tickets, and the seller indicated that they could only receive money via the XXXX app. I downloaded the app and proceeded to transfer {$250.00} out of my USAA checking account through their platform of the XXXX app, using the name and email address that the seller provided. XXXX XXXX with email address of XXXX. I transferred this money with the agreement that the tickets would be sent to my XXXX account and thought that since I was transferring this money from a federally insured bank, that I had fraud coverage. After transferring this money I never received the tickets and never got a response back from the seller. I filed a dispute with USAA and was later sent a letter ( attached ) that indicated they were not liable. I also contacted XXXX on XX/XX/XXXX after realizing I had been scammed and they also indicated that they could not do anything except tell me that the money had been transferred from my account to a XXXX XXXX account. I contacted USAA after finding out this bank transfer information and asked them to hold the transfer or at least contact XXXX XXXX and have them hold the money which they said they could not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient promise to fix my last payment over 6 months ago. I asked over and over again for this company send me the documents re : posted late payments. Navient promise to fix the mistaken last payment posted on my credit report. They never send me anything concerning this matter. My credit reporting has drop due to these unverified last payments. Now that the payment are paid and closed it should not still reporting negatively on my credit report due to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have already submitted a complaint in the past about USBANK, an institution that has been destroying my credit because for my late payments. 
I have called several times asking them to reduce the payments to what I can afford ( {$200.00} ), instead of {$310.00}. 
I have been asking asking for that FOREVER. They haven't cared at all. 

My wife now leaves in NY and my expenses and credit cards do not allow me to pay an extra {$310.00} for the loan. I want it lowered to {$200.00} so my payment will NOT be late AND they can STOP DESTROYING MY CREDIT SCORE. What USBANK has been doing to my credit is BULLYING. I have never refused to pay. I always make effort to pay, BUT, for the time being I can not keep up with that loan. USBANK needs to lower the payment to what I CAN pay ( {$200.00} ). This is a REASONABLE request from someone who responsibly wants to pay the loan off. 

It is an absolute shame that I have to keep BEGGING the bank to lower it what i can afford. That is NOT how a company that calls itself the " most ethical company '' should function. 

I need assistance getting my monthly payment to what I can afford. 

Thank you, XXXX 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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.

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 2018-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Fin. is stating that they can't help me with this account due to it being closed in their office. They said that the account is now with a collection agency. First of all, this account do not belong to me. I asked Mariner Fin. to provided me with a signature or any information attachment to this account, they cant do it. I called the collection company over and over again. No one never pick up the phone or return any of my phone call. I asked Mariner Fin. to deleted this account or show any document linking me to this account. It's not fair or lawful for Mariner to report this account over and over again when they not even holding a open account. Per to the Fair Credit Reporting Act, a company can't report a transferred account and still report it negatively.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Home Mortgage is servicing my home loan and I would appreciate if you could reach out to them on my behalf and stop the sale of my home scheduled for XX/XX/2018. They have NEVER provided me with any sort of assistance on my mortgage, although I have tried to work with them for years. Due to an ugly separation, loss of income from my business, and other unexpected expenses, I fell behind on my mortgage seven years ago. I contacted Chase for assistance, but got the runaround and told that I did not have sufficient income. However, they are wrong as my business income has improved, my wife is working and she just started a new business. I tried as late as a month ago to get Chase to work with me, but they said it was too late to submit a modification package. I was told by a lady at Chase that there wasnt anything that will keep my home from selling in a foreclosure, but I feel there must be something they could have done and still can do. I have never had a modification, forbearance or any other type of assistance and really need your help to save my home. I wish the lady I spoke with this last time actually took her time and would have seen that I am qualified for assistance through a loan modification. I feel that she did not do her job and I could already be on the way to getting a modification, if I could have been allowed to submit my information. This I believe is wrong and I would like for you to look into what they are doing with my loan. This loan should have already been modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

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 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Today XX/XX/2018 ford motor credit treated to seize property today XX/XX/2018 had a tow truck man calling my phone non stop saying i was voluntary surrendering my car which i was Not had not talked to ford motor company about this. 

I have Been trying to work them and prevent them from continuing to ruining my credit. The refuse to treat me with respect refuse to let me speak to manger. Today some one from Ford credit threatened to sue and take me to court, used abusive language, called non stop at unacceptable times even calling family members. 


They have damaged my credit reporting late payments which is untrue the car was stolen and considered a total loss the insurance company had the car for over three months, i had To pay out of pocket for rentals etc. they said they would waive late fees now since the car was returned out of the blue from the insurance company, the car is not drivable, over 3,000 worth of damage to front & rear damage, not starting etc, & all they do is continue to harass me about payments but have not held the insurance company accountable for nothing. Refusing to accomadate me or help me and any way. They are being disrespectful, dishonest, unprofessional, constantly tearing down my credit, threating me and my credit, and acting if I am not a person only Money and Im willing to make arrangements to stop them & get them to remove this from my credit this matter has drove me insane and has effected me and so many ways. Ford has all documentations and know that the insurance company has been hard to get a hold of and hard to work with, has had the car for over 3 months and has refused to fix the car and i have Put in complaints against the insurance company as well. 

I have been in and out of the hospital for XXXX  and XXXX  XXXX, this has took a toll on me mentally and physically, and is not willing to work with me and any way. All i want is to be treated with respect and not harrsed not threatening, i want them to remove all negative payments from my credit report and work with me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: NH

Complaint narrative:
This information is incorrect : XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for any debt as it relates to XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX validate the debt in which the claim I owe several times. XXXX XXXX XXXX only produces alleged billing statements. Billing statements are NOT validation of debt. If XXXX XXXX XXXX can not produce a written contract where I agreed to do business with them why have they been allowed to place a negative trade onto my credit report? By continuing to report inaccurate and unverifiable derogatory accounts XXXX XXXX XXXX is in violation of FRCA regulations with fines starting at {$1000.00}. I am a litigious individual and I am hoping that Midland can remove both unverifiable trades from my credit reports without having to go to court. XXXX XXXX XXXX has had ample opportunity to provide a substantial debt validation. This is my last time requesting a proper debt validation. If one can not be produced XXXX XXXX XXXX must remove both derogatory accounts from my credit reports at once. It is not sufice to produce alleged billing statements. XXXX XXXX XXXX needs to show proof, a signed contract with my signature, or remove both accounts from my credit. XXXX XXXX XXXX has been sued several times for trying to collect debt past the statue of limitations and without having complete and full validation of debt. It is NOT SUFFICE to simply respond and say that Midland will mark the accounts as consumer disputes. XXXX XXXX XXXX does NOT have permission to contact me by email, phone, or us postal. All communication must be done through this CFPB portal.

Company response to consumer: Closed with non-monetary relief