vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I submitted Jet Blue Barclay Mastercard credit application inflight on Jet BlueXX/XX/XXXX I submitted in error, boyfriend wanted one opened in business name, I submitted in my personal name. I called Barclay Credit DepartmentXX/XX/XXXX, XXXX to try and cancel application and they said there was nothing they could do according to supervisor?XX/XX/XXXX! I ask to speak with supervisor and they refused and said there was no one else I could speak with. Gave me PO Box of Barclay. This would not assist me in preventing my application from being processed, therefore requiring me to close account going against my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I filed a complaint against two mortgage companies, Aurora Lending Services and Nationstar Mortgage Company ( XXXX ). The former filed foreclosure on me, even though I was current on payments and provided proof ( cashier 's checks ) that I had responded as the modification contract required. Still they filed foreclosure.
<P/>
I lost {$57000.00} in down payment money ( See complaint:XXXX ), years of paying a mortgage with a 10 % plus interest rate, and I have been fighting this matter since XXXX. In XXXX, I surrendered the property in a chapter XXXX that was approved and confirmed by the court. Years later, I discover that Nationstar filed a foreclosure on me in XXXX which is preventing me from securing a mortgage today.
<P/>
Nationstar responded to my complaint with CFPB by sending a message to a former attorney we had retained in XXXX. One problem with their response is that the attorney does not represent us. Another problem is the attorney has been debarred and has lost his license. for mortgage-related client misrepresentations.
<P/>
Please intercede and ensure that all responses are sent to me, not to the previous attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
To whom it may concern, I have been going through so much XXXX due to my home being in foreclosure. I have made several attempts to be approved for a modification and they dont want to provide me with home retention options. This has been going on for three years, and they have not offered me in this time a workout plan, not even a repayment plan. I keep falling further behind, and the debt keeps growing. In the last denial they stated the following " after careful review of your account, we find that there are no home retention loss mitigation options for which you are approved '' they keep offering me to do a short sale or a deed in lieu. Last year I was hoping to get approved for a HAMP modification but that did not happen, they kept saying that the investor keeps denying loss mitigation options based on a business decision. They also keep saying my income is not enough. My gross income is almost {$7000.00} and it has been like this for years, I have a big surplus at the end of the each month, so I am saving money. I have an arm loan with a 7 % rate, and my mortgage payment was almost $ 3k. I fell behind due to loss of job, but I have found a very stable job. It frustrates me because I have enough income coming in to be able to make my mortgage payment, and pay my other expenses. I dont even pay for a car, I finished paying it and I only pay for insurance. I want them to see that I have enough to pay my mortgage, and of course an affordable mortgage payment. Ive spoken with friends that have SPS as  their mortgage company, and two got  modified already and they have a lower income than me, how can this be? Does SPS want me to be earning {$10000.00} a month to get approved? I believe that even if I earned this much they will still deny me. I believe that almost {$7000.00} a month is good income for a high school dropout, and I have been very responsible with my money, even created a budget. I just want a fair opportunity, and for the investor to consider me for home retention options. I recently submitted an application, and I have to submit some missing documents so I dont get a sale date. I would also like for SPS or the investor to provide a more detailed response on why they cant provide home retention options " based on business decision ''. It is not fair that there are so many modification programs out there, and they dont want to approve me for anything. I will provide any necessary documents that they request, I need help I have my children at home and i have invested so much. <P/>Thank you, 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 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened up a Capital One 360 account with the PLUS400 promotion code with the promise that if Ive made 2 direct deposits of {$250.00} or above in 60 days I would receive a bonus of {$400.00}. I changed my direct deposit to Capital One and have had several direct deposits that were over the {$250.00} minimum. I reached out to capital one several times about the bonus and was told that I would receive the bonus within 6-8 weeks of account open. On my last call to CO I was told I was n't eligible because I was not a " targeted '' customer. When applying for this account the criteria did NOT stipulate any such thing about being targeted. I followed the steps and requirements of this account and feel I should be awarded the promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
every time I apply for home loan in XXXX credit bureau my bankruptcy saw up this is the reason I cant get home loan I want to move to XXXX ca

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 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: NJ

Complaint narrative:
I had recently sent a letter to cfpb showing that navient who took over my account from   XXXX   XXXX   has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to  both  XXXX ,  the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for  XXXX  dollars with s  XXXX   XXXX   and have been making payments over the years ( sometimes more than the minimum ) and currently owe   XXXX  dollars.

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 2017-07-07 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: NJ

Complaint narrative:
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe 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 2017-07-07 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: NJ

Complaint narrative:
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time XXXX reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: DC

Complaint narrative:
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, Equifax, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: DC

Complaint narrative:
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

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 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.

Company response to consumer: Closed with explanation