vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/2019, I received a letter from XXXX XXXX, the holders of my XXXX XXXX Credit Card, stating that they lowered my credit amount from {$1600.00} to {$400.00}. I had, in fact, recently paid my XXXX XXXX Card off entirely then began to use it again. I made all payments ON TIME and only used approximately {$380.00} of my credit line. I did not ask for an increase. XXXX XXXX informed me that they ran a recent review of my account, without my permission. Due to the response from Transunion Consumer Relations ( www.Transunion.com/XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX, XXXX, PA XXXX XXXX-XXXX-XXXX ), they were given the following inaccurate and untrue reasons for their decision : 1. Serious Delinquency 2. Proportion of Balances to Credit Limits on Bank/National Revolving or Other Revolving Accounts is too high 3. Too few accounts currently paid as agreed 4. Proportion of Loan Balances to Loan Amounts is too High 5.  Number of Inquiries was a Factor in Determining Score As a result, my FICO score dropped from a XXXX to a XXXX. 

In XX/XX/2019, I was granted a Home Equity Line of Credit of {$50000.00} from XXXX XXXX. Most of this money was used to pay off credit cards and an installment loan. As a result, I have not applied for any new credit since obtaining this HELOC and should have no new inquiries on my report other than XXXX, themselves. I paid off the installment loan, as well as many of the credit cards, with the exception of two. The ones I did not pay off, have been part of a Credit Management Program for two years and have been paid consistently on time. The information Transunion gave to XXXX XXXX  is false and misleading and I want it corrected immediately. The only change to my credit report has been for the better and I have no idea where they are coming up with this information. They have done this to me once previously and I have made a formal complaint with the CFPB in the past.

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 2019-05-21 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Since last year I began receiving mail from a company named Diversified Consultants. They went from mailing me threating letters to also contacting me at work and at home threating to garnish my wages and to ruin my credit. 

I contacted the police and filed a police report because it was evident they were collecting on a fraudulent account. I notified them yet the cease to stop collection tactics and have now placed derogatory information on my credit bureau reports. They have reported erroneous information to all three credit bureaus AND clearly this is not my account and I am a victim of fraud. 

Please see my attached police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 at between XXXX hours my wallet with credit card, ID and phone were stolen from my vehicle. ( A police report was filed ). My thieves utilized my cards by accessing my information mostly through telephone transactions. They transferred money from my savings account into my checking account so they could access the money and withdraw money. A total of approximately {$9000.00} was spent and withdrawn from my account by the thieves ( who had no consent from me ). I made a claim with Wells Fargo and attempted to get the surveillance footage from the ATM and the voice recording from the telephone transactions however they told me I needed a court warrant to review them. The fraud department closed my case out after they concluded that I must have provided the thieves with consent or my bank information so they could access my account which is not true. Wells Fargo notified me there is no way to appeal this nor is there anyway they will review video or voice recording for my case to prove I was victimized. Please help!

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 2019-05-21 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: NC

Complaint narrative:
I would like my fraud alerts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One. I have called them they can't find my name under my ss number or birthday but they won't take it off my credit report. I send information to them and they still won't take it off. 
I am hoping you all can get it off my credit Thanks You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N C XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: North Idaho Credit Corporation
State: OR

Complaint narrative:
XXXX XXXX is billing me for the 3 transactions totaling XXXX because they did not bill the insurance ( XXXX XXXX ) when I updated them in XX/XX/XXXX. They billed a previous insurance carrier I had before that and at this point and even over a year ago would most likely deny it for timely filing but XXXX XXXX has not billed the current insurance ( at that time XXXX ) because I called and asked them. I updated XXXX XXXX in XXXX XXXX ( around XXXX ) when I had an XXXX at their Imaging Department. I had to provide a copy of my Driver 's License and a copy of my Insurance Card. XXXX XXXX Billing Department would not return my call. I called them throughout XXXX when I received these 3 bills and all the way up to XX/XX/XXXX when they still would not return my call. They had a Patient Representative call but this is a billing matter. I called her back and she would not return my call. I would like to report XXXX XXXX and North Idaho Credit Corporation for falsely creating an outstanding bill and utilizing unfair and unethical credit collection practices to keep tabs on me, purposely create hardships by reporting falsely to my credit report, trying to violate my privacy by accessing my EMR records ( the Patient Representative that called named XXXX at ( XXXX ) XXXX. The 3 bills that I am reporting XXXX XXXX and North Idaho Credit Corporation are Date of Service XXXX for XXXX with a XXXX  Interest that brings the balance to XXXX, Date of Service XXXX for XXXX with a XXXX Interest that brings the balance to XXXX, and Date of Service XXXX for XXXX with an Interest of XXXX that brings the balance to XXXX. Thank you for investigating.

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 2019-05-21 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: NC

Complaint narrative:
I would like my fraud alerts removed

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 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I applied for financing online ansd I was approved through American First Finance to purchase furniture, I was approved for up to XXXX. However, I purchase for XXXX. I requested a contract and was emailed one that is a rent to own agreement that stated total cost of XXXX. I decide to return the rental property. However, American First Finance said they do not want it back. I just want to return their rental property as I they don't want to take it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had the alert when payment due feature set up with Citibank in XX/XX/XXXX. 
Never received the payment due alert, ended up being a day late. Citibank admitted fault and reversed the " late fee '' and said all was good. 

In XXXX, after I made a purchase, I noticed my rate had gone up to XXXX Called Citibank, and they said the reason was because of the " Late Payment '' in XX/XX/XXXX Never once did Citibank notify or tell me of the rate hike The customer rep had said it was more than just the " late payment '', that there were other " reasons '' but refused to elaborate Spoke to a customer rep " manager '' and she said there was nothing they could do. 
The manager told me to " try back in 6 months and she would review it! '' I have a spotless credit report all bureaus reporting in the high 790 's No late fees, no collections, low utilization, paid off house and two cars All credit in good standing Now I am transfering the debt to another credit card and Citibank is being difficult in allowing the transfer!

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 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The Capital Good Fund
State: RI

Complaint narrative:
Soo this review is on XX/XX/2019, not only have I tried on multiple occasions to get a loan even for the lowest amount and I was told that I wouldnt be able to pay it back because I didnt have enough income. Even with the proof that I received not only more than the loan I was requesting, but even the interest. Then they said it was my payment history, clear as day I have auto pay for the simple things and as far as rent I took pictures of my receipts but yet I got denied. Ive tried to get the help from capital good fund at least 4 different times in the course of 2 years and every time no luck. Ive even suggested a couple of friends who came across hard times and yet no luck and they definitely have had the income and pay history to qualify but they also have gotten denied. But yet we question who do they REALLY help? Possibly their own kind. Where do the funds go if they arent truly helping people?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
I have requested one credit line increase on XX/XX/XXXX and I was denied a credit line increase. I requested a credit line increase back in XX/XX/XXXX and was declined after making all my payments on time. I believe this company has abuse it power by this form of action. I am filing this complaint again this company so consumers are aware of company pratices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
this compny is in violation of fcra policy by having no signed contracts and no proper debt validation per section 609 upon attempting to resolve this matter i was told i would be given this which was never done and shortly after was called and harrassed and even called a derogatory term for requesting proper debt validation ive also attempted to pay the original creditor several times in which i was denied the ability to pay

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 2019-05-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX Sycrony Bank gave an offer of double points towards my XXXX XXXX XXXX XXXX with the use of my credit card XX/XX/XXXX - XX/XX/XXXX. 

I " clicked '' on the button and registered to receive the offer. 

I did not receive the bonus points and contacted them in XX/XX/XXXX. They said it can take up to 90 days to process. I contacted them XX/XX/XXXX and they said they would check on it. I never heard back. I filed a complaint on their XXXX Account and they had a corporate customer service contact me, but I still have not received my points. 

I have tried to call the girl I was speaking with and it went to voice mail. They refuse to provide a means to contact them other than phone calls. I do not even have a case number.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC is trying to collect XXXX on an account that was originally a XXXX XXXX credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. Midland Fundings phone is XXXX XXXX. My credit took a huge drop. XXXX XXXX credit card was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinstein & Riley, P.S.
State: TX

Complaint narrative:
I just received a letter from my bank account stating that agarnishedon my account to received money was not notified with papers about a law suit and judge sign off on this case the case # XXXX the law firm name is Weinster & Riley I believe this same company yyears ago sent a deputy 's of law to my house and threatening me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My account has been put on freeze with my funds in it and I am told to come in person at a branch to lift it. I am currently outside the country and need to access my funds to be able to do anything, but the bank will not give me any reasons for the restriction or accommodate my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I bought Furniture at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX on the XX/XX/XXXX. The cost of the Furniture was {$2000.00}, so the Seller got me a finance Company called ACIMA CREDIT LLC to finance the loan. He told me that I will not be required to pay any interest for 3-6months. After the purchase, ACIMA deducts {$160.00} to {$160.00} from my account every two weeks. I called ACIMA on the XX/XX/XXXX to complain of my financial hardship and to know how to clear the loan. To my surprise, their Customer representative told me that the total amount I need to pay is {$4400.00} and that I just paid about # XXXX XXXX and my balance should be {$3.00}, XXXX. I told her that I will not be able to pay that amount unless they want the Furniture back. She said that she will send me a return slip but that I will forfeit the amount I paid already. I called ACIMA again today and was told that the 3 months Grace period expired on that XX/XX/XXXX. Meanwhile, I called ACIMA on the XX/XX/XXXX but the Representative I called did not tell me about that. I now opted to pay the remaining {$1000.00} to close the case but was told that I need to pay {$2300.00} including the {$1000.00} deducted from my account by ACIMA. Since XX/XX/XXXX was the last day for their grace period for the loan, I am required to pay interest of {$1300.00} for taking a loan of {$2000.00} for 3days. This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I charged a British Airways flight on my British Airways Visa card, issued by Chase. I am a life time Gold member of British Airways and my credit limit with Chase is {$50000.00} - I am a very good customer of both companies. The BA agent made a mistake when taking my booking and immediately issued a refund of the full amount. She then re-charged my card the exact same amount for a correct booking. There was no dispute between me and the merchant about any of these facts. 


These 3 transactions all happened within five minutes of each other. The two charges were made so close together that they had exactly the same exchange rate to 9 decimal places of accuracy - XXXX ( see attached credit card receipt ). However, when I received my " full refund '' of the first charge it was {$47.00} less than I paid. I disputed this difference with Chase. 


For some reason the " Customer Service Specialist '' at Chase could not comprehend these 3 simple transactions and what had happened. He wrote to me twice ( see attached ) and called me once asking the same irrelevant questions and then denied my dispute without any explanation. If this was not so frustrating and time wasting, it would be comical. 


I think this reflects a bigger problem with Chase - lack of integrity. Chase consistently backs the merchant in any dispute, no matter the merits of the case. What evidence for this? In my own case, every time I have raised an issue about Chase Card Services with the CFPB it has been resolved in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect XXXX on an account that was originally a Best Buy credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. XXXX XXXX phone is XXXX XXXX. My credit took a huge drop. Best buy  credit card was opened on XX/XX/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 2019-05-21 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I have been harassed by phone and mail by a company titled Financial Management,  XXXX XXXX XXXX. When I spoke with them by telephone several months ago they claimed there was an account opened in my name in XXXX Virginia by telephone. 

I don't have any business in XXXX Virginia. I explained to the representative that I was a documented victim of identity theft and that they needed to send me all the information they possessed regarding this account. 

They never sent me anything and now they are reporting this to my credit bureau report and preventing me from obtaining any credit and I do not owe them any money.

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