milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Credit line increase/decrease

Complaint: I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?

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 09/19/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.

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 monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: Chase is holding my {$5800.00} business check deposit for 13 days. That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SLM CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX about a Sallie Mae hard inquiry found on my credit report, that i did not authorize. They said I should talk to Sallie Mae.I need Sallie Mae to remove this from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. 

They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.

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 03/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with Synovus Bank (CA).
Issue: Billing disputes

Complaint: When I make a payment it takes several weeks to appear. 

I must wait 10 weeks for a refund on my secured credit card if I close my account. 

They are difficult to get ahold of and provide bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Credit line increase/decrease

Complaint: I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB, and they removed one inquire but not the others, and provided not explanation why they did not. The ONLY credit I have applied for was XXXX XXXX through XXXX XXXX. There are other inquires such as XXXX XXXX which is not mine. I have not applied for a student loan in decades. I continue to get notices that an inquiry has appeared on my credit report. I have said I suspect fraud. TransUnion has ignored it. Please remove ALL inquires from my credit report except the XXXX XXXX/XXXX/XXXX or provide documentation that I authorized them. TransUnion File Number XXXX date of issue 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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

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 explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Eagle Accounts Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old XXXX account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My credit score/report, XXXX/XXXX 2017. delete my AMX data totality. AMX Credit card has been with me for 15 years with a excellent payment record. I called AMX Credit Bureau dept to get it fixed. AMX advised it would be fixed. AMX has done nothing. I wish to lodge a complaint on AMX. I am still with an AMX credit card ... .still with excellent payment record. However, it is no where to be found on my credit report. This should linger on AMX customer service records ( AMX License to do business ) for 7 years, as it would on my report if it was a bad remark.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: requested statement of account for the year to date in XX/XX/XXXX while capital one was still servicer of mortgage. mortgage was scheduled to be transferred to another sevicer XX/XX/XXXXXXXX money unfairly held in unapplied funds was allegedly applied to principal after a prior complaint to the cfpb requesting this. representative greed to send .capital one blatently ignored my request I now have no proof that capital one applied my funds to principal i have no proof of correct loan balance to compare with new servicer

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO AND XXXX XXXX XXXX XXXX HAVE INITIATED FORECLOSURE ACTIVITY AGAINST ME ON BEHALF OF XXXX FOR THE BENEFIT OF THE HOLDERS OF THE CMLT XXXX. HOWEVER, XXXX IS NOT A VALID BENEFICIARY WITH THE AUTHORITY TO DIRECT QUALITY LOAN TO EXERCISE THE POWER OF SALE UNDER MY DEED OF TRUST. THEREFORE, THE RECENT FORECLOSURE DOCUMENTS FILED ON XXXX BEHALF ARE NULL AND VOID. 
OUR FORENSIC MORTGAGE LOAN AUDITOR UNCOVERED IRREFUTABLE EVIDENCE THAT XXXX NEVER RECEIVED EFFECTIVE ASSIGNMENT OF MY MORTGAGE LOAN FROM WELLS FARGO, THE ORIGINAL LENDER. SPECIFICALLY, WELLS FARGO SOLD MY MORTGAGE NOTE AND DEED OF TRUST IN XXXX, FOR FULL LOAN VALUE, TO XXXX AS INDENTURE TRUSTEE FOR THE CMLT XXXX MORTGAGE-BACKED SECURITIES TRUST. FOLLOWING THIS SALE, WELLS FARGO LOST ALL TITLE TO, AND INTEREST IN, MY MORTGAGE LOAN. NEVERTHELESS, IN XXXX, XXXX, WELLS FARGO EXECUTED A CORPORATE ASSIGNMENT OF DEED OF TRUST ATTEMPTING, ONCE AGAIN, TO TRANSFER MY DEED OF TRUST, BUT NOT THE NOTE, TO XXXX AS TRUSTEE FOR THE CMLT XXXX TRUST. WELLS FARGO ATTEMPTED THE ASSIGNMENT TO XXXX XXXX 6 YEARS AFTER THE CLOSING DATE OF THE TRUST ( XXXX XXXX, XXXX ) BECAUSE THE TRANSFERS AMONG THE PARTIES TO THE SECURITIZATION TRANSACTION WERE MADE WITHOUT THE REQUIRED ENDORSEMENT OF THE NOTE. THE XXXX ASSIGNMENT WAS A SCHEME DEVISED BY WELLS FARGO AND XXXX TO COVER UP THE BOTCHED SECURITIZATION IN XXXX. XXXX ACKNOWLEDGES THAT A BORROWER IS A PARTY TO THE SECURITIZATION TRANSACTION. THEREFORE, I HAVE THE RIGHT TO RAISES DEFECTS IN THE ATTEMPTED SECURITIZATION OF MY LOAN. SEE ATTACHED US BANK BROCHURE. 
ASIDE FROM THE FACT THAT WELLS FARGO HAD NO INTEREST IN MY MORTGAGE TO CONVEY TO ANYONE IN XXXX, THE CORPORATE ASSIGNMENT IS INVALID, NULL AND VOID FOR THE ADDITIONAL REASON THAT ONLY MY DEED OF TRUST WAS PURPORTEDLY TRANSFERRED TO XXXX. ASSIGNMENT OF THE SECURITY INSTRUMENT WITHOUT THE DEBT ( NOTE ) IS A LEGAL NULLITY. THIS IS BECAUSE THE SECURITY INSTRUMENT FOLLOWS THE NOTE BUT NOT VICE VERSA. THIS HAS BEEN THE COMMON LAW RULE FOR OVER 100 YEARS. SEE IN RE STAFF XXXX., XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX ) ( IN CALIFORNIA, " [ A ] DEED OF TRUST IS A MERE INCIDENT OF THE DEBT IT SECURES AND ... AN ASSIGNMENT OF THE DEBT CARRIES WITH IT THE SECURITY '' ). " AN ASSIGNMENT OF THE NOTE CARRIES THE MORTGAGE WITH IT WHILE ASSIGNMENT OF THE LATTER ALONE IS A NULLITY ''. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. ACCORD XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; UCC ARTICLE XXXX ( G ) .THE COMMON LAW RULE HAS BEEN CODIFIED IN CALIFORNIA STATUTORY LAW. CAL. CIVIL CODE SECTION XXXX ( ' [ T ] HE ASSIGNMENT OF A DEBT SECURED BY MORTGAGE CARRIES WITH IT THE SECURITY '' ). 
THE FORENSIC AUDIT OF OUR MORTGAGE LOAN ESTABLISHES CONCLUSIVELY THAT XXXX NEVER RECEIVED AN EFFECTIVE ASSIGNMENT OF MY LOAN AND IS NOT OTHERWISE A " PERSON ENTITLED TO ENFORCE '' MY MORTGAGE WITHIN THE MEANING OF THE ARTICLES XXXX AND XXXX OF THE UCC.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received at least 2 letters from Central Financial Control attempting to collect a debt that was paid in XXXX 2016. After the 1st letter I sent a letter disputing the charges and requested proof that they had a right to collect. That was on XXXX XXXX, 2016. I just received another notice/bill ( XXXX/XXXX/2016 ) threatening to report this debt to the credit bureaus. 
Not sure how to make them stop sending these notices.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Debt Collector, Portfolio Recovery has manipulated accounts from my credit report that have been reported as Identity Theft accounts and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX .   By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status.   The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due.   The purpose of this decietful act is done deliberately to damage my credit reports.   As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I requested repayment plan based on income and never gets processed i am struggling with XXXX loans and need assistant asap. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Medical) with Everest Receivable Services Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Incorrect Address i never lived at XXXX XXXX XXXX XXXX XXXX XXXX Michigan it is the Address of my Son who has the same 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