vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I filed a complaint because of XXXX XXXX was charging me interest. I received notification from XXXX XXXX of a courtesy credit refunding the interest that I had been erroneously charged. Since then I have made on time payments, totaling over {$790.00} in credits to my account. In XX/XX/XXXX My Credit Limit was decreased from {$3500.00} to {$2000.00}. On XX/XX/XXXX my payment of {$400.00} was posted to my account, bringing my balance {$990.00}, with a credit limit of {$2000.00}. I had finally received less than 50 % of Credit Limit. I am making payments to decrease the balance, and when I finally get ahead they keep decreasing my Credit Limit to keep my balance high. I have Interest Deferred Promotions, but the multiple Credit Limit Decreases are ruining my credit rating. On the XXXX XXXX statement dated XX/XX/XXXX, my limit has been decreased to {$1500.00} by XXXX XXXX again, twice during the period from XX/XX/XXXX-XX/XX/XXXX. 
The credit limit decrease now reports me has charging 66 % of the Credit Limit. Despite my account activity, and aggressively paying more than the minimum amount due. I feel as if this is reprisal due to the complaint I filed previously against XXXX XXXX-XXXX. This change on my Credit Limit has adversely effected my credit. Im paying on this account but the Credit Limit decreasing inaccurately capture that I have a high balance. I have had multiple Credit Reporting Disputes that have been corrected and updated. XXXX XXXX has lowered my Credit Limit based on fraudulent and inaccurate information, but I am the one who is being effected the most.

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I renewed my contract with XXXX XXXX to continue services. In XX/XX/XXXX I moved to a new address. My contract states that if I move and service is not available at my new address my contract is cancellable with no penalty. I notified XXXX XXXX, now XXXX XXXX XXXX, of my move. They sent a technician to my new home to instal the service. the technician informed me I had no " line of sight, '' so service couldn't be installed. He also told me he'd inform XXXX XXXX. Because of his statement I secured service through XXXX. I later received a bill for cancellation of service from XXXX XXXX XXXX for {$290.00}. I spent the next 4 months talking to various people at XXXX XXXX XXXX, including their " office of the president, '' discussing the amount was not owed. They admitted and agreed it was not, but rather than cancelling the debt they want me to pay the bill and they would then send me a gift card, an offer I declined. They finally let me know they'd write it off and I would not have any further issues with collections. In XX/XX/XXXX I received a bill from Diversified Consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( XXXX ) XXXX trying to collect the XXXX XXXX XXXX account. They were notified the debt is not owed. I contacted XXXX XXXX XXXX the same day and was informed the account was cleared and I did not owe the debt. Diversified Consultants has now placed collection account notifications in all of my credit bureaus for this. I have requested a debt verification letter from Diversified, however, i do not owe this debt and would appreciate any help you can offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
XXXX XXXX is reporting 180 days late on my XXXX credit report. This account has been paid off however they are reporting 180 days delinquent on mine report and that should be on my Ex husbands report not mine. I have a court signed judgement dated XX/XX/XXXX that states my Ex husband XXXX XXXX is responsible for all the debts of the martial home at XXXX XXXX XXXX XXXX, La. this Judgement was signed prior to the home going into late status XX/XX/XXXX. I have called Pennyman numerous times to ask them to remove this off my Credit. XXXX XXXX XXXX has sent numerous correspondence to them, and i have filed several disputes with the judgement attached and they are refusing to remove it. XXXX has removed this account and it is not showing on XXXX, it is only reporting on XXXX. However this is stopping me from purchasing another home for seven years. This account is pain in full and closed. I am asking for it to be removed off my credit. I was not responsible for the home when it went into late status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XX/XX/XXXX although my card expired in XX/XX/XXXX. The payments in question are in XX/XX/XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score. 

I just finished a complaint through CFPB where AmEx declared they did not have enough information to investigate the account. It seems that having had all of my information would have allowed them to see what accounts I've had and that the negative credit report attributed to me should not have been on there, but they closed the complaint without doing anything. My husband gave me his card and I am including my SS # so that they can complete this investigation. The number on the screen shot of the credit report is NOT an account number per the credit reporting bureau, rather it is a reporting number - they state that they are very careful to NOT include actual account numbers. It is a description of the account and the limit on the account. I am including a copy of my husbands card ( with his permission ), a copy of the screenshot of the credit report pertaining to this issue and my name and SS should be included as a registrant for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank gave me a Qualified Mortgage that has a balloon payment, is longer than a 30-year-term and negative amortization ( my mortgage just jumped {$1300.00} last month due to their negative amortization practices on the loan ). 

ALL these " risky loan features '' are illegal and not permitted : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been locked out of my XXXX and Coinbase account for almost a month. 

They are holding around {$5000.00} in virtual currency value and said they would get a " specialist '' on the case almost 10 business days ago. They have failed to respond or update me on the case and I have not been able to access my funds for almost 1 month! 

Case Number # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I have some delinquent taxes owed and they were placed with a collection agency Keith D Weiner and associates. I asked for a printout of the balances owed for the years I owe back taxes to. I requested it on XX/XX/XXXX and received it about 4 days later.I looked over the documents and found that they basically doubled what I owed. Tax year XX/XX/XXXX I owed XXXX then after everything was said and done It went to XXXX. It says court costs, attorney fees and even pre placement interest. This is the same for tax years XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. This is outrageous. For tax year XX/XX/XXXX I had the XXXX down to XXXX and then it went up to XXXX they claim court costs at XXXX times 2 .... They tried to garnish my wages 3 times and they were unsuccessful due to me not making enough money. I don't know why they are charging attorney fees when I only talked to their attorney once and that was back in XX/XX/XXXX. This company is a scam and their collecting practices are ridiculous. I will scan the papers I have to document that what im saying is true. I would like to add that they are charging interest instead of 30 % right off the top its charging every month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The university XXXX XXXX financial advisor did not tell me this was going to be an unsubsidized student loan. There was no explanation other than a lie which was told to me there were no other fundings available to me. This was the only unsubsidized student loan that was taken out against me all the others were federally subsidized student loans. So this financial advisor lied to me in order for me to have a subsidized private loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I Was told thatr I will be getting a credit line increased by XX/XX/XXXX to XXXX and I didn't received it from capitol One and I was told from the higher dept that I have to wait until XX/XX/XXXX for credit line increased and I'm getting few different answers that I have to wait on the XX/XX/XXXX and XX/XX/XXXX ... and I have made my payments on time since XX/XX/XXXX ... I'm so confused of when I will get my credit line increased and no one isn't giving me a accurate answer ... .. And second Complaint is that I have a hold on my account in the amount of XXXX from XXXX XXXX service fee and I was charged twice and I spoke to capitol one about this problem and spoke to higher supervior and they call XXXX on three way twice and at the end of the call I didn't get my second transaction fall off in the amount of XXXX and was told to wait 5 days and its been 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc.
State: CA

Complaint narrative:
This account doesn't below to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A credit in the amount of XXXX was issued from XXXX, my former insurance company, on XX/XX/XXXX.  The credit should post this week. Once posted, I need a check sent to me. Due to status of my account, I am unable to withdraw funds. The dept handling account works off a voicemail and does not return calls. Numerous messages have been left in the past, not one call returned. The balance on account is currently XXXX, not including credit in the amount of XXXX due to post shortly. I've called Capital One numerous times, referred to another department that only has a voicemail, as stated before. They do not return calls. I need a check sent to me for balance on account plus any outstanding credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX time share has put me into collection with Meridian Financial collection agency for over 1k. I purchased the time share in XX/XX/2004 and haven't used it in approximately 8 years or longer. I requested to end my contract and was never contacted or notified. Now Merdian collection agency has 4 open accounts on my credit score. No contract can be perpetual without an option to close it out if I'm not using the services. 

I appreciate your assistance in this matter. 

Sincerely, 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 2018-03-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on my credit

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 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have NO outstanding DEBT owed to anyone. This Business ; Portfolio Recovery XXXX XXXX, is a persistent bill collector " BOTHERS '' people without verifying who people are and without checking the " No Call List '' They have NO REASON to be calling me, my Credit is Excellent. Thank goodness only one " ring '' gets through, my phone carrier blocks automated phone calls ( robocalls ) I have talked to one of the Customer Service people last Wednesday, ( They do not CLEARLY identify themselves ) the person said she'd " have my number removed immediately ''. I've been disturbed twice since then, I was awoke this Morning ( XX/XX/2018 ) @ XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
In XX/XX/XXXX, I called Navient to discuss my repayment options. I was already in a program where I paid so much for 6 months and I was told to call back after the 6 months to reapply. I did this, but was told it was to early. On XX/XX/XXXX I called again because a Navient Costumer service person told me about a program to lower my payments ; i would have to call and answer some financial questions as well as my co-signer. I called to do this, but I was told I was not eligible to apply for any more repayment options because I had used them all up on my account. I don't see how there should be limits, I cant make the full monthly payment due to financial hardship, and they would not help me. 
On another matter, when I look at my account on their website, I get conflicting information about how much i need to pay. One section says I have to pay {$110.00} and another section lists that the amount due is {$41.00}. It is very confusing and I have called to get this corrected, and every time I call, I'm told it will get fix but it never does, so when i log on, I see a past due amount even though I paid what was told to me. 
This is very frustrating and I hate that I can't consolidate these private loans or get a straight answer or any help to lower my payments because I can't pay the full amount. I even tried to get on the forgiveness program because I work at a university ( public service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was told by Chase bank for three years that they would do a loan modification. They kept telling me that my paperwork was lost, lost in the shuffle due to them taking over a XXXX XXXX. Their computer systems were down during their transition and unable to reach me. 
After persistence from me, with the help from FHA, after fourth year Chase finally modified my loan. But in doing so, they wrongfully charged me {$50000.00} penalty for past due payment as a condition of modifying the lone. In doing so, my mortgage payment is much higher than it should be. 
Id like to add that I did tell Chase that I could make payment back then, but they were the one who told me to hold on to make the payment. Since the modification ( XX/XX/2014 ), I havent missed a mortgage payment. 

I feel strongly that they were in pursuit of taking my home as I am XXXX XXXX  homeowner, as I read many of stories of J.P. Morgan Chase and other mortgage companies were foreclosing on XXXX  homeowners. 
My next step is to go to news agency as well as my formal complaint with you.

Company response to consumer: Closed with explanation