vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a customer of Capital One since 2014, and Capital One has repeatedly raised my credit line without being able to back opt out. Each time Capital One would send a notice, they'd say " your account is up for review for a credit line increase '', then they'd raise the credit line. Since 2014, I never made one late payment. So, I thought - well, if Capital One is going to raise my credit line from account reviews, then they should be able to review for an APR reduction. This request to lower my APR has been done each time the credit line increases, and each time Capital One replied " your account isn't currently under review at this time for a lower APR. '' I couldn't understand why. I placed a complaint with the XXXX, and Capital One repeatedly lied about reviewing my account, then lowered my APR from 24 % to 22 %, an absolute slap in the face. 

I wonder how can Capital One get away with raising credit lines based on periodic account reviews, without the customer having the option to decline it? Then they turn around and state that they aren't reviewing my account for APR reductions. 

Capital One is getting away with theft, to their very own customers. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Last year I moved to a new residence and I was delinquent on my final bill from XXXX because they did not have my new address on file. I paid off the balance ( about {$100.00} ) immediately after learning about the situation from a debt collector ( Diversified Consultants LLC ) about two months ago.

Two people from XXXX AND two people from Diversified Consultants told me that this debt collection account would be removed from my credit report/history within a couple of weeks after payment but it is still listed as open/active.

The collection account is still listed on my credit report and I am seeking to have it removed because 4 people promised me it would be removed. 

Please let me know if there is anything I can do to help - thanks! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am a XXXX XXXX of a company here in XXXX, AZ. I had a collection agency call for XXXX employee who i sub contracted from time to time. I explained several times that the customer/debtor was not here and that she had filed BK. Since then they have called back several different times after I asked not to call. I don have 2 recordings of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I closed on a home in FL in XX/XX/2019. That mortgage company sold my mortgage to AmeriHome ( account # XXXX ). I was notified after the fact. AmeriHome is refusing to discuss any aspect of my loan with me unless I verify six points of contact information that they already have on record, every time I call. Per a mandatory disclosure recording playing on the hold line, they want to update this information so they can collect a debts should a customer default sometime in the future. I am not late on any payment, nor have I ever been late on any payment. Both agents I reached by phone the week of XXXX XX/XX/2019 refused to discuss my loan with me despite having sufficient identifying information ( name, loan number, social security number ) unless I provided their debt collection information. They refused to transfer me to a supervisor. They refused to provide any identifying information that could be used to report them. Both agents lied to me on the phone, claiming they needed the Debt Collection Act information " for my safety, to verify my identity. '' This should be illegal. There are hundreds of complaints against this company. I don't understand why they are allowed to continue to operate in this manner. Meanwhile, the homeowners insurance company has sent a second notice that AmeriHome has not paid the additional fee for including the previously excluded roof under my homeowners policy. I wrote to AmeriHome on XXXX XX/XX/2019 about this issue and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have discovered ( 2 ) inquiries on my Experian Credit report that were a result of a identity thief trying to establish credit in my name. I did not authorize these parties checking/pulling my credit, and I have attempted to contact Experian about this and was not assisted. The following inquiries are fraudulent and need to be blocked from my credit report. I did not authorize these companies to pull my credit, and this was an act of fraud. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I am attaching a copy of my recent police report that addresses that accounts are being opened or attempted to be open in my name without my permission.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My TransUnion credit report states " FILE CURRENT ADDRESS IS A RESTAURANT/BAR/NIGHTCLUB ''. This is not true. I live in an apartment complex. I have always lived in apartments. None of my homes have been restaurants, bars, or nightclubs.

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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
This complaint is presented for recommendation of one representative from CFPB, because case XXXX was closed, but with this new complaint CFPB will keep open until I can recover my house that was stolen for a group of people and organization, who are dedicated to robe properties, including this Bank Gregory Funding. 
As I explained I want to report fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX employees, XXXX XXXX XXXX, XXXX XXXX Police Department and other involved including XXXX  XXXX XXXX XXXX. I presented report XXXX to XXXX XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited until to the robbers finished with the robbery in XX/XX/XXXX in XXXX. I also reported this robbery on XX/XX/XXXX to the XXXX when robbers stole my house and personal belongings. Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house. XXXX XXXX Office was involved to help to keep my property, but looks the robbers ignored what XXXX XXXX office did to protect my house and the corruption in government showed up. 

Sent from my XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
A new collection account just appeared on my credit report on XX/XX/2019. COMMONWEALTH FINANCIAL SYSTEMS information is inaccurate. I did not visit the emergency room on the date provided ( XX/XX/2019 ) on the account and I have a health insurance. COMMONWEALTH FINANCIAL SYSTEMS is reporting the account as new/open and it is causing a lot of damage to my credit profile. No account number was provided for the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation
State: MI

Complaint narrative:
Performant Recovery has very rude reps. They argue about your loan. They hang up the phone on you. It's almost as if they are 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
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
The company is AMERICOLLECT INC for {$120.00} on XX/XX/2017. I have called and written them a letter with no help from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants have threatened collection on an account I previously stated I would not pay to XXXX. Last winter I ordered a new phone from XXXX. I could not download anything from my old phone. The people in their service department told me to remove the old SIM card and put it in the new phone. That did not work which rendered my old phone useless. No calls could be sent or received. This went on for almost two weeks. I got nowhere with XXXX. I returned the new phone as it didnt work. I refuse to pay for something I could not use. Their trying to collect XXXX from me. They should also have a record of all the conversations I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tried to obtain credit file from Transunion and they have denied me access to my free annual credit department

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 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency TransUnion They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Transunion Dispute Results credit report I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the date updated didn't change, this irrefutable proof that no investigation was done. remove for violation However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date updated didn't change/update after the investigation was done, this proves that no investigation was ever done because the date update didn't change. Date updated didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Date updated didn't change to be a current updated date as per FCRA. 
It is to be noted that even after my dispute with the CRA, the date Updated didnt change and inaccurate items such as XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX  date Updated was ( XX/XX/XXXX ), XXXX XXXX past due reported on a collection its a violation, XXXX XXXX past due reported on a collection its a violation, XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX/XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX  date Updated was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from transunion investigation shows the date Updated didn't change/update

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tried to obtain credit file from XXXX and they have denied me access to my free annual credit department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Tried to obtain credit file from XXXX and they have denied me access to my free annual credit department

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 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2018 {$500.00} was taken from my checking account with Navy Federal Credit union for XXXX and transferred into a XXXX XXXX, Ms XXXX has a history of fraud and was claims to be realtor I have attempted to work with both Navy federal and XXXX on this with no luck I do have police 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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services claims I owe an amount of {$34.00} to XXXX XXXX XXXX. This debt is from a Renters insurance policy linked to an auto policy, the auto policy is in question as XXXX XXXX is attempting to add on amounts from prior polices in which the debt is not valid, a separate complaint with the CFPB is on file about this, still no reply in re. This debt, {$34.00}, is also in question as again, it is linked to that Auto policy and I had several denied claims under this renters policy. Based on principal for denial of claims, I am also disputing this debt. Simply put, I paid XXXX XXXX for coverage and they denied two claims, would not work with me to resolve either. I do not believe I should pay them when they denied two claims unfairly and would not work with me towards a resolution. The issues with the auto policy are still unresolved, I filed a complaint, mentioned above, about additional amounts added on from prior policies. These police are as old as five years, coverage was supposed to be canceled prior to any balance generated, it was not. Further, XXXX XXXX claims CCS is their in house collections department when the number is not the same nor the address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We entered in a trial modification agreement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX each month payments in the amount of {$320000.00}. Instead of the three ( 3 ) payments they said on the offer they us to continue until we received the final documents so that we would not be in arrears. 

Even though we did not receive our documents to sign until XX/XX/XXXX, the documents are dated XX/XX/XXXX. After the execution of the documents the payments were : {$3100.00}. We made the payments, but we realized that what they said was owed was not right and how were all of the trial payments credited to my account? 

Every statement that was sent to me stated that i was in arrears? I have a statement that shows that I had a suspense amount on my statement of {$4800.00}, I still do not know how that amount was applied? 

We are making payments every month, it seems as though the more payments we may the more the statements say that we owe? 

When we call SLS it is going around in a circle, they put you on hold and then you get a lecture from a representative about not being able to afford the mortgage. 

They change the payments without your knowledge???? 

We want our mortgage current but we need your help to sort this out, trying to get someone in this company to clarify this issue does not work. 

Please help us.

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 2019-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grand Canyon Title, Agency, Inc.
State: AZ

Complaint narrative:
I attended XXXX XXXX University of XXXX of last year and couldnt pay the end of that semester of {$4000.00} because I got really sick and missed many days of school which made me fall behind my classes and I was nearly failing 2-3 classes toward the end of the semester. I let my counselor know of my situation and he dropped me from the school. Months later the school notified me of my pending balance but I let them know my situation and that I couldnt pay it and they told me that this would be disputed. I got no calls for the past couple of months or any letters saying I still owed anything until today XX/XX/XXXX that I guess this was sent to collections.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sometime last year in XXXX my credit card was closed and then in XXXX all my other accounts with Bank of America was closed by them and when I asked why I was told because we can and we dont have to tell you and now I have a debt of XXXX $ on my credit report that I cant seem to get off

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 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
They will not let me Defer Ive been have a hard time with work with that on my credit and they keep putting late post on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: DISCOVER BANK
State: NY

Complaint narrative:
On my FICO score credit rating went down for the months of XX/XX/XXXX to a score of XXXX, and XX/XX/XXXX to a score of XXXX. My score was always above 800.My score for XX/XX/XXXX was XXXX. I called FICO ( Discover card ) numerous times and was told it was in escalation and they would check on it My last call was on XXXX XXXXIt also shows that I missed a payment.I did not miss a pymt. I always pay my bills on time.I was told that FICO gets their information from XXXX I Icalled XXXX and was told that there wasn't any missed pymts.I also printed out a hard copy of my report from XXXX and could not find anything wrong with it-nothing for the past 5 years.I paid {$22.00} for the report.When I called FICO they told me to call XXXX.When I called XXXX they told me to call FICO.I can't get a straight answer.I obtained a score from XXXX, XXXX, XXXX XXXX, and XXXX XXXX.All scores are above 800.I don't know why my FICO score went from XXXX to XXXX, everything is paid up and on time.I CAN'T GET ANSWERS.I would appreciate your help.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
They told me it wasnt going away or was going to stay on my credit score I told them I dont have it and randomly they call an Harass me

Company response to consumer: Closed with explanation