vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Regarding Macy 's Credit Card -- I recently noticed, and called Macy 's, about their tapping my XXXX Credit Report -- XX/XX/2019 and XX/XX/2019. In XXXX, Macys lowered my limit to {$1100.00} and in XXXX, to {$600.00}. 
When I called the Macy 's Customer Service, I asked 1 ) why they were lowering my limit and 2 ), why are they tapping my Credit Report. 
The woman told me they checked my credit report and lowered my scores because I have not used my card in a while. I believe she said they do this if a customer doesn't use the card for six months or longer. I told her this caused my score to decrease and is a red mark on my credit report. I asked them not to tap my Credit Report again and that I will probably be closing my account. 

How can I have them fix my Credit Report and ensure they will not contact the Credit Bureaus again because I have not used their card in a while. 

Is Macy 's activity illegal? 

Now I have to pay the credit bureaus to lock my account. Ridiculous. 

Thank you.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I started receiving calls from XXXX on XX/XX/20. The CID states simply that it is a toll free call. They never leave a message. I do not answer unknown calls but I do screen so I can answer if it's something or someone who needs my attention. After several calls I blocked this number. They continue to call but at least my phone doesn't ring and I ignore them. An online search of several web sites revealed this to be a call from Credence Resources Management in XXXX, TX. Some people have described them as rude and aggressive and demanding personal information such as addresses, birth dates and credit card numbers. One person said they were told they could pay with a XXXX XXXX gift card. If that's true, then it's definitely a scam. I have had other calls I'm sure were spoofed numbers, although I can't prove it because I didn't answer, but they occurred with the same pattern of calling. One was from a wireless caller in XXXX XXXX, TX ( XXXX ) occurring at the same time as previous calls. No message left. This morning they tried a new tactic. At XXXX XXXX the phone rang. The screen simply said " unavailable ''. I screened the call and at the end of the voicemail greeting a robotic female voice said " good-bye '' before the recording started. The screen then alerted me that I had 1 missed call. To erase that notification I pressed the CID button on my phone and this 866 number was revealed. This means this was a robocall. I have never even heard of this company much less done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: CA

Complaint narrative:
The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.

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 2020-01-23 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: CA

Complaint narrative:
The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.

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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I opened an account with BBVA as I was contacted by XXXX to reconsider BBVA as my banking institution. Well, I opened my account and a week later I went to withdraw funds from my account and was told my account had a hold on it and that funds wouldn't be made available as they were held due to a previous charge off. Well, I asked why would you request I open an account if I had a charge off and at which point the branch manager had nothing to say other than she would try to get the funds released and have the issue addressed. Well, I told the branch manager that the charge off would have been addressed in the bankruptcy filing from 2014 at which point she said to let her look into as she is very good at getting holds removed. Well, she calls me a few days later and states she can't get the money back to me and that I could talk to someone in her back office as to why. I know this is a deceptive practice as I didn't contact BBVA to reopen an account they contacted me and if I was forbidden to have an account with BBVA that is something they should have addressed and ensured I would not be contacted. The other issue I have is that this should have been addressed via bankruptcy and the charge off spoken of removed as BBVA was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been in my home for over 15 years and I want to keep my property. 
There has been a lot of confusion and miscommunication that have left me now in the edge of loosing my home. The mortgage company has made modification on my property and I have been making payments but there was a balance due that has been carry thru the years. This amount was accumulated when I lost my job and I have tried to pay it off thru payments plan but the mortgage drop me from the payment plan because I file XXXX XXXX for my Home owners association. I just need help to keep my home. I have a full time job and my mother and son also contribute towards my overall payment. I can afford to pay and I am willing to pay it just that the lender tells me we drop you we are not going to take your payment then when I stop paying they call me and say, you are behind and need to pay. I has been very confusing dealing with this Lender. Now they don't want to work with me they want me to short sell or give up my property, but I have been here for over 15 years and have been making payment. My payment history shows I have been making payments until they, the lender told me that I was no longer in the payment plan and told me to go to their website to request a new refinance and that what has made this worse now. I just want to continue paying to keep my HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Complaint : Nationstar Mortgage d/b/a Mr. Cooper did not notify Borrower or Borrowers rep of servicing transfer at least 15 days before the effective date. 

HISTORY : -Borrower/note holder died. As legal rep and successor in interest, submitted death certificate several times and Mr Cooper would not update file. Nationstar/Mr Cooper also would not provide documents to file for a loan modification. Finally had to resort to skipping payments to get them to send requested hardship affidavit and mod documents. 
- Once received hardship and mod docs, called them and was told we had until XX/XX/2020 to submit the forms and to make payments and stop foreclosure process. 
- received letter addressed to me confirming me as successor in interest. 
- Filled out documents and created a Complete packet including all supporting docs for submission. 
- On XX/XX/2020 received a letter addressed solely to deceased borrower stating the servicing of mortgage loan was being transferred from Mr Cooper to XXXX XXXX  XXXX effective XX/XX/2020 - which was the day before the letter even arrived. 
- There is still been No letter to successor in interest at all about change of service. 
- XX/XX/2020 : Called new servicer for account # and fax # so can send documents to them and was refused that information ; they stated successor I am not listed as authorized contact, and would not discuss matter with me. 
- XX/XX/2020 Have resubmitted all information via fax and email to new servicer and been told I must wait 48 hours for the information to upload, and to call back on Monday ( XX/XX/2020 ) - I am being blocked and manipulated from meeting deadline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: AZ

Complaint narrative:
The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the XXXX-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my Experian and XXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my Experian and XXXX 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 non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
XX/XX/XXXX I had went to The XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX to purchase a Golden Retriever. After picking out my dog I was told the purchase price was around {$2500.00}. The attended explained that if I did not have the full amount I could purchase the dog using a monthly payment option. The attendant then obtained my information to attempt to qualify me. She then explained that I had been approved through XXXX XXXX. She then drew up paperwork and presented it to me for signing then informed me that I needed to also pay {$470.00}. The paperwork I signed included payments of {$220.00} for 27 months. I made 8 monthly payments totaling {$1600.00}. On XX/XX/XXXX, I contacted Monterey Financial to request a pay off amount and was told that if I paid {$2100.00} by XX/XX/XXXX my obligation would be satisfied. Later when researching options to pay the amount I discovered there were speculations that the operation may not  have been practicing fair lending. I have been told the company was being investigated and had been shut down. I have been manipulated into leasing my pet. I realize that if I paid out the full lease the total of payments is {$6100.00}. I have also been informed that after paying the full lease, I would still need to purchase the dog at a value they deem as fair market value. It was explained in the lease to be {$370.00} plus official fees and taxes related to the purchase. I have been aware that this company is based out of California which does not allow pet leasing. Also, it is now my understanding that Michigan has a Bill in the Senate waiting to be passed making pet leasing illegal. I do not want to lose my pet nor do I feel it is fair to pay this excessive amount. I am seeking your assistance in finding resolution to remove myself from this obligation. I do not feel that I should pay any further, but do not want my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute errors on my credit report. I am unable to log into my online account to dispute the errors. I called TransUnion and they can't and won't verify over the phone because my employer listed is wrong as well as other information so I am basically verbally unverifiable and have to be done manually but no one is doing anything manually or electronic and I have written them letters -about 5 or 6 already about the wrong names and wrong addresses and collections and inquiries without any results. They just continue sending me credit reports and that is not what they should be doing. They should be investigating the issues that I have written to them about.

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 2020-01-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am writing to complain about Experian 's online dispute center. I have disputed several items this month requesting Method of Verification along with validation and Original contract with signature to prove that some of the information in my report is in fact mine. However I've haven't received anything except status update online and typically without notice a decrees in my Fico. Is Experian supposed to provide me with how they verified these items and if so what they verified? ( example : Original signed contract, with description of debt ) When I request this via their online dispute portal I have received nothing back except a status at the conclusion of their investigation. 
Disputes resulting in no requested information being provided as requested : XX/XX/XXXX - Department of Veterans Affairs - Dates are not corresponding with delinquency and open date, no information provided from Experian on how they verified or what they verified. Remained on my report. 
XX/XX/XXXX - XXXX XXXX Bank -No information provided from Experian on how they verified or what they verified. 
XX/XX/XXXX, XXXX XXXX showing a balance date in 2020, after I requested method of verification and validation ; however this account was included in my 2015 bankruptcy, this erroneous reporting of errors are not being questioned by experian XXXX they are not providing method of verification or validation of the debt, I should not have an updated balance for this account. No information provided from Experian. Remained on my report. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX Experian provided no information on requested method of verification or validation. 

I am currently re-disputing items ( Online and now via certified mail ) I am trying to get more information on whats accurate in my report, there seems to be a lot of errors or misreporting. My information has been in several security breeches and recently my bank was drained by fraudulent charges so I am trying to verify everything is accurate on my report. I would like to know if Experian is required to provide the same due diligence they're supposed to provide when sending a certified letter or if the online dispute center doesn't abide by the same rules when disputing via certified mail.

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 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Issues with FEDloan regarding Public Service Loan Forgiveness ( PSLF ) 1. On XX/XX/XXXX, my employer certified my employment via form XXXX XXXX. XXXX with the XXXX XXXX where I have served since XX/XX/XXXX ( I will have 14 years of service in 2 weeks ). I uploaded my completed form to FEDloan in accordance with their established procedures for the PSLF program. FEDloan responded that my employment could not be certified because my employment end date in section 3 was blank/missing. I've attached the form that I uploaded with PII removed. Clearly the box " Still Employed '' is checked. 

2. I started the process for PSLF in early XXXX and have been given the run-around just like the other 99 % of applicants that have been denied forgiveness for this program. FEDloan has yet to calculate and bring into the program a Spousal Consolidation loan that has been in repayment since late XXXX/early XXXX in the amount of {$51000.00}. The company has only pulled in my individual loan from graduate school for {$8700.00} ; initially this one was denied due to another erroneous claim by FEDloan that I did not include the EIN on the certification form, when I clearly had it written on the form. 

When I called FEDloan 's customer service, the individual from FEDloan told me that my portion of the Spousal Consolidation loan is eligible for the program. Please assist me in this matter and get FEDloan to do the right thing. This company has gotten away with erroneously denying me and tens-of-thousands of Public Servants forgiveness through this program for several years with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
I was checking my credit report and i had a collections on there from RGS finacial. i filed a dispute but received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
One of my checks was intercepted in the mail and partially washed and passed off at XXXX XXXX XXXX for {$11000.00} and cashed. I discovered the problem XX/XX/XXXX. I Moved most of the money out of the account into a new account and I have been waiting ever since for my financial institution to make it right. I have probably called 20 times to the institution to try to get an update and they just tell me its under investigation and refused to give me any more information. XXXX XXXX XXXX  knows who committed the crime, when they did it, where they did it, and what the amount was. My bank is SunTrust and has given me very very little customer service. The firstPhone call they made to me was over 40 days after the incident

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the JPMCB-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my XXXX and XXXXXXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my XXXXn and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  1. ) XX/XX/2016 {$1300.00} XXXX  1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Walwick, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

Company response to consumer: Untimely response