vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: GA

Complaint narrative:
This is in regards to 2 accounts that I have with XXXX XXXX. One  account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by 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 2018-11-06 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: GA

Complaint narrative:
This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX  lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: GA

Complaint narrative:
This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX  account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by 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 2018-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest Bank merged with XXXX XXXX XXXX in late XX/XX/2018. I had an IRA CD with XXXX XXXX with a 12 month maturity. I received no prior notice that my account was about to mature. Then on XX/XX/XXXX I received a notification which I thought was just a notice that my CD was about to mature because the title was reinvestment notice and then was NO STATED INTEREST RATE. I kept expecting some a followup with a stated interest rate so I could decide whether I wanted to renew or not.To follow up, I finally made a personal trip to the bank yesterday and was told that my account had in fact been converted into an 18 month maturity CD yielding 1.1 %. I asked why there was no interest rate stated on the notice I received, and I was told that no interest rate was stated because they wanted me to come into the bank to discuss other possible financial products ( an unfair cross sell technique ). I then asked about a six month CD and was told the interest rate was 1.9 %. They locked me into a longer term product at a lower rate rather than a short maturity product at a higher interest rate. The sales representative ( XXXX XXXX ) and branch manager ( XXXX XXXX ) both said that Arvest changed the maturity because it was the closed product to my CD from XXXX XXXX. But my original CD was for 12 months and if they had to change maturity, Arvest could have chosen a six month or an 18 month CD. 
They chose the one most disadvantageous to me and most advantageous to Arvest. The CD is for about {$25000.00}. By choosing the type of account Arvest did, they deprived me on 80 basis points in interest ( a total of {$310.00} over the 18 month term ) and lowered their cost of funds by {$310.00}. When given a choice between products, Arvest chose the product that would be most advantageous to them and the most punitive for the customer. Then they said to change to the six month now, I would incur a penalty of over {$140.00}. 
I consider this whole process ( from the notification to the unwillingness to modify the terms without a substantial penalty ) to be unfair and misleading on the part of Arvest.

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 2018-11-06 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: TX

Complaint narrative:
inaccurate information, no knowledge of accounts, FTC violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I opened the Gold Delta American Express card with the intentions to get a {$200.00} credit on my purchase with Delta. 

I made my purchase with Delta and They will not issue the {$200.00} credit to my account.

This is clearly false advertisement from both Delta and American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: SC

Complaint narrative:
On XX/XX/2018, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$620.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. XXXX states I still owe {$160.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$620.00} which has already cleared, to collect another {$160.00} from me would mean XXXX will receive {$790.00} on a {$600.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will pay a final payment of {$75.00} on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Global Lending Services LLC
State: VA

Complaint narrative:
I have stayed in contact with them on several occasssion. I have maintained my payments on a monthly basis however recently I have been experiencing financial hardship but still maintained to make my payments. Good payments no return payment history. Every time I speak to some one they advise me because I have already gotten assistance I dont qualify. I understand and advise them that I have every intentions to pay which I do and have statements that show I do and where I have fallen behind due to hardship. Today I spoke with someone and told her XXXX was her name in collections that I had to change my payment date from the XX/XX/XXXX to the XX/XX/XXXX due to financial hardship. The payment was set up and she said her manager will be cancelling my payment and repossing my car. I have done everything I could as a single mother to make sure my car doesnt get repoed and for some reason it seems they just want to threaten me and repo my car. I have not had previous good communication with this company and having to pay my car for 3 years and still owe so much for a 4 year old car worries me even more. I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Original loan amount was for {$2600.00}. I've been paying {$290.00} every month on this loan for a year and I still owe {$2500.00}! Over {$3000.00} already paid. When I inquire about paying the loan off in two weeks, it will be over {$3000.00} according to them, to make a one time payment to pay off the loan. These types of practices have to stop. 

Loan ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
hello My name is XXXX XXXX I have 2 problems with Equifax I have been trying over a month to freeze my credit report online i spoke with a representative on the phone that told me the system is down call back later. I have some disputes on my credit report inaccurate reportings equifax is saying at the end not able to dispute at this time. do i need to go to the news media with this this is getting out of hand. no one is regulating equifax they are doing whatever they want to do and putting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: TX

Complaint narrative:
inaccurate information, no knowledge of accounts, FTC violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: TX

Complaint narrative:
inaccurate information, no knowledge of accounts, FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested in writing on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that XXXX / Resurgent cease contacting me pursuant to 15 U.S.C. 1692c ( c ) and California Civil Code 1788.17. XXXX / Resurgent continues to contact me to collect one or more debts, most recently in writing on XX/XX/XXXX ( see attached letters ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I sent a certified letter to national credit systems inc. on  XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.

2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.

4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.

I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).

Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.

Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.

They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
[ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager,  he promptly forwarded the call over to the FBI. 

Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ EQUIFAX/XXXX/XXXX @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL Recovery Solutions keeps calling me at all times of the day as well as contacting people I work with asking about me. I can not get them to stop even after asking them to not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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 didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ XXXX/XXXX/EXPERIAN @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )

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 2018-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was in a car wreck on XX/XX/XXXX when I was hit by a driver who said he fell asleep at the wheel. I have been dealing with his insurance company XXXX to have them send the payoff check to Santander consumer USA. The check was sent off on the XX/XX/XXXX and has still not been posted by Santander. Ive called Santander each day and they are rude and unhelpful. The car was totaled and Im waiting on them to post the lost check from XXXX so I can get a new car. Im very frustrated with Santander and they are not providing me any information on getting my claim resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
I sent a debt verification letter within the 30 days provided by original letter ( have proof via certified mail and original letter ). However, before sending any verification of debt they reported it on my credit report.

Company response to consumer: Closed with explanation