vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXXXXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2020-08-20 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: NC

Complaint narrative:
I have written and called Transunion to have these fraud accounts removed from my credit report but they continue to show on my report. Please delete these accounts XXXX  several accounts, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX. I have sent my identification, police report and the identity theft report. I have sent everything that has been requested from me.

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been trying settle with midland funding, they are unwilling to work with me. They are asking for full balance and they have even ask for my pay stub saying that want to set up a payments. I have told them im on SS. They keep giving me the run around about this and lying to me to try to get me to paid this in full. i should not have to go thru all this when im telling them what i can paid. Why do they did check stubs? they dont!. they are trying to garnish my wages and lying to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent in a dispute regarding my capital one auto finance report to XXXX a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. Capital one has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. XXXX  refuses to report accurate information. Today I contacted XXXX by phone and they were very rude to me. The agent XXXX  was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe XXXX  profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was quoted for interest rate of cash-out refinance with 4.125 % interest rate and XXXX. Therefore, I cancelled the mortage loan with XXXX XXXX XXXX that was almost closed in beginning of XXXX XXXX approved and ready to close ) to go through the loan with Loan Depot since I saved paying XXXX loan point. The loan officer from XXXX XXXX XXXX informed that he could not match the pricing that Loan Depot offered me and so I should move forward with Loan Depot. The loan officer from Loan Depot ( XXXX XXXX XXXX also informed me that the appraisal that I had with Mega Capital Funding could be used in Loan Depot since it was not from XXXX XXXX XXXX the exception company not allowing transfer of appraisal ). However, later he informed me that the previous appraisal could not be used and I had to pay for the new ones ( XXXX appraisal for XXXX refinances ). I did not complain about it and just paid for both. After appraisal was completed and the loan was approved, XXXX XXXX informed me that he quoted me single family resident and the loan point increases to XXXX point in order to close. I informed him that this is not my mistake, but his, and so the company should pay for it. He refuses. 

I also have another loan with Loan Depot that I cancelled from XXXX XXXX XXXX to go through with Loan Depot ( 4.125 % and XXXX loan point ). I did not hear anything back regarding this loan and the loan agent might pull the same trick by increasing the loan point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two credit card issues with Citibank. Both regard their " revisions '' to credit limits. 

The first is what I consider to be an " emergency only '' card. I've had it for six years, always on time, always zero 'd out balance. Recently I had to use that card for an emergency medical bill XXXX {$1100.00} XXXX. The charge was on my bill for one payment cycle. When my statement closed, Citibank " revised '' my credit limit downward from {$2200.00} to {$1000.00}. This made it look as if I was over/at the maximum of my credit utilization. 

The second is my Citibank XXXX XXXX mileage card. Recently I was 5 days late in making my credit card payment. ( I've always made on time payments to both cards ) After I realized my payment was late, I resolved the matter and made a payment immediately. Two business days later, Citibank " revised '' my credit limit down from {$7200.00} to {$6200.00}. Now, again, it appears that I'm over utilizing my credit. 

I have contacted Citibank about this, and have mentioned that every time I login, they explain on banners, emails, pop-up notifications, that they are here to help during this pandemic. I have asked both a customer service representative on the phone, AND the CEO of Citibank for assistance. Why would Citibank suddenly be revising credit limits during a pandemic, especially when they claim to be there to help. Also, why revise when I've been a long term customer with no late payments. The answers have been polar opposite. 

For my first " emergency '' card, the representative was abrupt, and unhelpful. I decided to close my card and have paid the balance in full. The CEO 's office sent an automated message that my credit line had been restored, but it was too late, especially after the phone conversation with their CSR. 

The second XXXX XXXX XXXX card ) issue has yet to be resolved. I've emailed the CEO 's office and have spoken with a CSR. I don't understand how a company can claim to help, and switch the terms of how they help. This seems like a bait and switch to me. It makes my credit utilization look as if I have increased my usage exponentially, which in turn lowers my FICO score. This cascades into other credit cards then questioning the limits they've given me. 

I think this practice is wrong, and borderline illegal considering the " help '' they are claiming to offer customers. 

Please help. Their advertising and their operations seem to be in two separate realities.

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 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I just received an updated that a collections account has been added to my credit report by PHOENIX FINANCIAL SERVIC XXXX, IN XXXX I do not have any past due accounts and I have not been contacted by anyone claiming to be 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 2020-08-20 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Over the course of the last several months I've experienced a growing and continuous problem in dealing with a Citi Card Credit card. It started in XXXX when the company advised me they were 'upgrading ' my current card to a new version of the same card with additional benefits that I never requested, which as I read through the terms actually seemed worse than what I had at the time but that's not the purpose of my complaint. They deactivated my card at the time and never sent a replacement card. When I called to inform them of that I was promised another card in the mail and they would close the active card to prevent any fraud. They again never sent the replacement card. The first time I called back the CS agent took my info had me sit on hold for 15 minutes then hung up on me. The second time I called back I asked for a manager sat on hold for 20+ minutes before deciding to try to handle it with the agent. The agent informed me my account was closed and the only way to reopen it was to re-evaluate my credit as if I were a new applicant. They sent me a derogatory credit report citing too many inquiries against my credit and a unacceptable credit ratio ( as they inquire against my credit ). Mind you their card is my only credit card and I purchased a home in XXXX, and all of those payments are and have been current. The idea that someone who has an account that's active, being paid regularly, under a credit limit and didn't request it closed be closed is absurd. Moreover I know for a fact that a credit card company will not allow you to voluntarily close an active credit card with a balance simply because they expect to make more money off of you. Their practices are at best unfair and likely fraudulent since I never requested them to close this card, but they claim through their CS that's why they did it not to mention I haven't had access to my only CC since XXXX trying to resolve this.

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 2020-08-20 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: FL

Complaint narrative:
This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX My loan was sold from XXXX XXXX XXXX XXXX To Starns Leading. I did not Know. 
Just This year I found out This append. 
I tried to called Sterns Lending no answers, left message no return call from STERNS.

I do not know how I can communicate with them if they do not answers, or who I have to talk to.

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 2020-08-20 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: FL

Complaint narrative:
Two banks from which I have credit cards -- Capital One and XXXX -- have both reduced my credit limit despite my perfect on-time payment record, dating back many years. Both banks have said they are reducing the limit because I do not use enough of my available credit. Both sent nearly identical letters ( Capital One letter dated XX/XX/2020 is attached ). But I DELIBERATELY use only a small portion of my available credit, to keep my XXXX XXXX high and to have credit available for upcoming major purchases. By cutting my available credit BECAUSE I use a small portion of it, Capital One and XXXX are discriminating against me because of my PROPER AND CAREFUL use of credit ... my DELIBERATELY LOW credit utilization ... and my very high FICO score. The banks are forcing me to use a higher percentage of available credit by reducing the total amount available ... so if I use the SAME amount of credit, it represents a HIGHER percentage of the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Veristone Mortgage, LLC
State: CO

Complaint narrative:
This complaint is related to, and an extension of, a previous complaint filed against Veristone Capital ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from Veristone Capital ( VC ). VC stopped funding the loan prior to construction   completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX  is working in concert with the VC fraudsters. It was my contention in the previous complaint that VC never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, XXXX has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against XXXX XXXX based on various foreclosure shenanigans. It is believed that XXXX and XXXX XXXX or essentially the same organization. 
XXXX There is likely a prior working relationship between VC and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both VC and XXXX should be required to turn over all records and communications between the two relative to this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful

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 2020-08-20 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: FL

Complaint narrative:
This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful

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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC

Complaint narrative:
I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to Phoenix Financial Services. I contacted Phoenix Financial Services by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from Phoenix on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to XXXX XXXX XXXX XXXX. My address on this document was also recorded incorrectly. I sent Phoenix an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called Phoenix on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted Phoenix again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. Phoenix is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am an XXXX member. I waited until I was going to make a big purchase ( first time you use the card 20 % off ) before applying for the card. 

I was approved and made and paid off my big purchases. That card has no annual fee so my plan was just to keep a XXXX  balance and use for big purchases for rewards. 

XXXX changed my payment default from my checking account to their credit card. I made two purchases of less than {$20.00} a piece assuming this was being taken out of my checking account. It was on the card and late payments and a late reporting to the credit caused my score to drop drastically. I made sure this account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Provide all billing statements dating back to the opening the account. Account for all fraudulent charges and fees place on my account. Account for every payment that has been made on this account. Provide any receipts or documentations for every charge made to this account. Any charges made to that account outside of XXXX XXXX need to be further investigated. Provide any documentation that justifies the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
The company is Navient. They have been robo calling multiple times a day. We've called to ask them why they are calling as my wife and I have never had a student loan. They told me to report them to the " Do Not Call '' registry - if I wanted it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation