vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: ND

Complaint narrative:
I have tried to talk with the Equifax support group at XXXX and the other number I have found XXXX option 6 and the persons or people I talk with are from another country. 
The problem is that the people from these third would countries can not speak very good or very poorly English. Why are the companies such as Equifax and the other using call centers from third world countries, that are handling the United States citizens credit information? 
It is unbelievable, that this continues after the Equifax breach which effected millions of hard-working American citizens. 
I have used up nearly two hours of cell phone minutes to talk with someone about the issues I have with the Equifax web site. No one in the Equifax support group can give me the information I require. 
I have placed the security freeze at Equifax on XX/XX/2017 and hopefully it is still in place. When asking on the Equifax support group if they can give me some type of confirmation about this, I fall into the Equifax black hole. There is no way to confirm this from the Equifax web site. 
When asking for Equifax support from the call centers in the United States of America I get the run around, and if someone does pick up, they are unable to answer, or help out with any issues, on the Equifax web site. 
This is madding and confusing why do I have to be punished as an American citizen to put up with this Equifax. I did not give them permission to do any credit checks or hold any of my credit information to sell, or release to any company for profit. 
What law is there to protect us from Equifax, or others? Seems like there are lots of laws, but none to protect the American citizens from the credit bureaus or others. Just a fine and a hand slap, well thats nice but what about jail time, seem fit, to me. 
How about this. We The People have the right to vote or this issue on the next ballot, Jail Time for the companies that have lost or might loose your information on the web. They just might pay attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc.
State: NC

Complaint narrative:
I suffered ID theft at the hands of XXXX XXXX XXXX where they used my social security number for someone else 's account in XX/XX/XXXX-XX/XX/XXXX. This cause severe damage to my 35 years of perfect credit. I hired XXXX XXXX to help me. They did a very good job at getting this fixed but in XX/XX/XXXX they lost legal representation in my state of North Carolina. This left me with no choice but fixing my scores on my own and cleaning up incorrect credit information. I did pretty good with most of my left issues with the exception of dealing with XXXX  XXXX XXXX and XXXX XXXX. They are a major issue and totally unresponsive. Therefore, at the beginning of this year I hired CreditRepair.com. They said they could help with all my remaining issues. Instead, I discovered they are hard to get in touch with. Their people do not follow though or do anything. Their departments do not work in harmony with each other too. As a result, my credit scores have been going down instead of up even though I have not missed a single payment on any of my responsibilities. When I called them today I found a recording saying their staff was in meetings and their phone system hung up without taking a message. I tried using their chat function and that showed they were closed today during normal business hours. So I sent them an email message saying I wanted a complete refund and for them to stop charging me. They need to deal with my request immediately along with fixing their issues or be investigated and/or shutdown as a service. I am also very concerned about the security of all the financial information I have shared with them too!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my XXXX credit report is incorrect. I was told to contact XXXX directly and if corrected they can revisit my application. I tried to call XXXX XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My equifax and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from XXXX was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has no live agents accessible to address issues with credit freezes ( or seemingly any matter ). 

I atried to lift my freeze online, which I have done in the past, but instead got an error saying I needed to MAIL IN my request to life a temporary freeze. The company also wanted me to send in all sorts of personal information via mail - multiple copies of bills, social security card, birth certificate, etc. 

called their numbers ( XXXX and XXXX ), but when I went through the automated credit freeze lift process, I again got a message that my request must be made via mail. I tried to go through all the other prompts, but there was no way to speak with a live person. I should note I tried this phone call during normal business hours ( around XXXX ET on a Thursday ). 

I've had no problems regularly lifting my credit freeze from the other bureaus, and have used Experian 's in the past as well, so I'm not sure what's going on. 

Either way, these credit reporting companies who were are FORCED to do business with, should be forced to provide LIVE customer service for those who experience issues.

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 2019-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2019 received and email alert from Experian that my credit score decreased by 25 points. 
I called them right away and first numerous attempts I could not get past the auto/robo menu. finally figured out how to contact a human but got hung up on 3 times and after that transferred 5 times. 
I asked for a manager and talked to " XXXX '' about my credit score dropping by 25 points for no reason. 
balances were XXXX, no late payments ( always on time ), not crossing the 30 % balance. no new accounts/inquiries nor old accounts that have been closed. 
He informed me that he could not do anything and that I should call all my lenders, FICO and a licensed adviser.

My lenders, FICO and adviser all stated that Experian should definitely be able to look into this and to see why my score dropped so significantly, FICO even mentioned this was incorrect information and 'bogus '. 
I called Experian immediately after all this information. and luckily ( or oddly ) enough I got the same supervisor on the phone and he again stated the same thing and that he could not do anything for me and it's blamed on the FICO ( Fico8 ) algorithm.

" talk to a financial adviser '' Strangely enough my FICO 8 score at other credit report agencies have not seen a huge decrease, they actually remained stable or increased versus what happened at Experian.. 
Tried to call once again for last time to see if I could get any information but to no avail.

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 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX in XX/XX/XXXX for a full set of dentures. I was told my portion would be {$960.00} which would have to be paid in full before work could begin. I paid this on XX/XX/XXXX. Work completed as far as they could in XX/XX/XXXX. I only have uppers that are usable. Later in XX/XX/XXXX I received a handwritten bill stating " Balance due {$750.00} ''. I wrote and asked why. No response. Received a 2nd notice stating the same. " Account Balance : {$750.00} ''. Still no statement of account saying why this was owed. Several days later I received notification from my insurance company that they were denying the claim filed on my behalf because it was filed too late ( beyond 6 months after service ). So I responded to XXXX once again and stated it was apparent they were trying to collect from me because they failed to bill my insurance in a timely manner and that based on that I did not owe this debt. They immediately turned this over to AWA Collections who has proceeded to submit updates to my credit report at least 2 times a month raising the amount owed. They are charging " Interest & Fees '' apparently monthly or bi-monthly for a debt I do not owe. This is damaging my credit score which I have worked hard to improve since my divorce. For a debt that I do not owe. So what started as a {$750.00} dental bill that I do not owe, is now showing as 4 different derogatory comments against me in the last 6 months and the amount has increased to {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

American Express has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. AMEX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Funding/ XXXX XXXX XXXX XXXX was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Shop Your Way Mastercard issued by Citi cards has had its credit limit declined twice in 4 months adversely affecting my credit, despite me not having any late payments with the company and paying more than triple the minimum payment due. Every time I make headway in paying down my balance ( which is only {$3500.00} now ) my credit limit is decreased to only hundreds of dollars of what I owe. 

As a result, in both instances, my credit score has been impacted and taken a hit, affecting my ability to refinance my house or make other purchases. 

The first time my credit was decreased was on XX/XX/2019 from {$5000.00} to {$4600.00}. At that time I owed {$4500.00}. The last time was XX/XX/2019, where my credit was decreased to {$3700.00}. After the XXXX instance, I called and was told that if I made payments for 6 months, I could get my credit increased again. This last time, I was told there was nothing they could do. 

The credit was decreased because of a charge off I that was reported and that I am disputing with one credit agency in particular. The credit card issuer in that instance is working with me to fix the situation. However, the person I spoke to at Citi said there was nothing they could do. 

I am considering retaining an attorney because of the damages caused by this situation. I'm sure I'm not the only one.

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 2019-08-08 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:
In XX/XX/2012, I call the company ( XXXX XXXX XXXX ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2012, I call the company ( First Premier Bank ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2012, I call the company ( XXXX XXXX XXXX  ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.

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 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
After contacting Harley-Davidson Financial Services and later CFPB regarding my issue of applying SCRA benefits ; my benefits still do not reflect on my online billing statement. I had waited for this to update and be resolved by the company, as I was still being charged beyond the 6 % interest rate per the SCRA benefits. 

Now they have reported my account as delinquent, which shows up as " negative '' on my credit report. I have tried resolving this with CFPB reportings, but HDFS continually fails to comply with both SCRA and CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I was in a car accident and my car had been totaled. I was in need of a car that same weekend for work because I travel and have to carry equipment. Nothing was really explained as to why it was charged, it was simply here 's the fee with no explanation behind it. I was under a lot of stress just trying to get a car because of how quickly I was going to need it for work. Because of the distress that I was under I was not able to ask any of the proper questions and they had the ability to charge me any sort of Financial Charge without me being able to question it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.

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 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}

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 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
When I changed my account from a student checking account to a standard checking account, I asked to be opted out of the option to overdraw my account. It was never done, and I continue to be overdrawn and charged an overdraft fee. Funds are added back within a day or 2 and Im left overdrawn because of the fees they charge.

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
33 calls from Midland. Sometimes 5 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My XXXX I have had for 3 plus years and have never ever ever missed a payment and always paid in time. I have never asked for extensions and I always pay a little more than minimum due. My credit limit was {$8900.00}, which I have never been close to reaching and Barclaycard automatically went ahead and dropped it to {$6100.00}. Now they have hurt my credit report by showing my credit usage has gone extremely up and I feel that is very shady and uncalled for being that I am a long term customer and have been loyal and paid my bill on time every single month. Now my credit report is affected. I have no unpaid debts, EVERY SINGLE one of my credit cards or store cards are paid on every single month. I have a very steady job no gaps in that, no bankruptcy, no payday loans, no outstanding doctor bills even and this company does this to me. I feel this is very very wrong and at the least they should move it back to the {$8900.00} as they are causing harm to my credit report. I have reached out to them and got no response, I would like this fixed. I have attached my information from my credit report showing I am in very good standing with this company AND even shows I have never been late and pay my bills. Once this is reported in XXXX by Barclaycard they will have done major impact to my credit report and score and that is not right at all. I am at no risk not paying my bills and never have. My own bank account is never in the negative either!! This is not right at all

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