vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
So on XX/XX/19 ... without any notice or warning or just simple courtesy, my credit card company decreased the credit limits on my 2 cards. One went from XXXX to XXXX and the other went from XXXX to XXXX. 
I have never missed a payment in 3 years. In fact, I just made a XXXX dollar payment the previous month. I have fought to get my credit back up, and now they are saying I owe too much money with other cards, even though my credit utilization is at 31 % ... the best it's been in awhile because I'm working on it. It was over 40 % ... Now my credit utilization is going to increase significantly with the limit decreases. In fact, I have never missed a payment on any credit card or loan, I pay my rent on time every month ... and now I'm not credit worthy? 
I tried to call and talk to them and they said there is nothing they will do for me short of me paying off most of my outstanding debts to other companies..which I have been working on ... which is why my utilization has been decreasing. 
I have been paying on time and consistently to every merchant. This is going to cripple me and bring my credit score back to where I started. I have never heard of a credit card decreasing your limit without a single missed payment.

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted all three credit bureaus XX/XX/XXXX to have XXXX  XXXX   removed from my credit report due to me not having a contract. XXXX  removed this creditor from my credit report XX/XX/XXXX. However XXXX  XXXX  is showing up on XXXX  and Equifax. I have disputed this with a 2nd letter to XXXX and Equifax on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and Equifax and XXXX  still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my equifax and XXXX  credit report. Since this company is denying that they are not the company that is reporting Im asking XXXX and Equifax to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
On XXXX XX/XX/2010, I asked Western Union if it is possible to send money to the XXXX using the Western Union online money transfer service. It is over nine years now, and I still have not received a response. I mentioned the letter in a recent email correspondence with Western Union. Western Union addressed my other concerns, but continued to not respond to my XXXX XX/XX/2010 letter. 

I used a combination of debit and credit cards to send money to family in the XXXX using the Western Union online money transfer service without success. I use these same two cards for daily transactions with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Some time around XX/XX/2018 my checking account was double debited for my mortgage payment. Both my mortgage and checking account are with Chase Bank. I called Chase and over the course of a couple days they were able to fix the issue and return back the second mortgage payment. All is well until I noticed I never received credit for my annual 1 % cash back, a promo given by Chase at the time my mortgage closed. That credit is given annually, {$170.00} which is 1 % of my annual principle and interest payments. I have been receiving this promo since XX/XX/XXXX and it's for the life of the loan. I reached out to Chase where they have been unable to correct the issue. I have reminded them on multiple occasions that this error was caused by them and not me. The root cause of the issue is when the payment error was corrected the Chase representative removed my auto debit from my checking account. I never requested this nor was I advised this was being done. I let Chase know this was done without my authorization and I have been a long time customer who has ALWAYS paid my mortgage on time if not early. The auto debit was never raised as a concern to me because I always pay on the XX/XX/XXXXt or prior and the auto debit was set for the XX/XX/XXXX business day of the month. I am asking for my 1 % promo to be reinstated and that I received credit in my XX/XX/XXXX statement of {$170.00}. I had a remaining 24 years left of promo credits totaling {$4100.00}. If they are unable to fix this issue going forward due to technical capabilities then I would expect them to honor their commitment up front and avoid future issues or having to do this every year. I will mention again, I tried on multiple occasions to fix this with Chase and they are not helpful at all or even care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on  XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: NY

Complaint narrative:
About a year ago I was robbed at my home and a lot of personal belongings were taken from me including money, jewelry, credit cards along with my personal information..

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 2019-05-16 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:
I noticed the company XXXX XXXX reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions. The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit www.experian.com Does not offer any live human customer support. I tried for 45 minutes going through the various automated prompts and then XXXX any other numbers and found multiple other people had the same problem. They keep redirecting you to their website options and by no means can you get a live person. Absolutely unfair and I feel unethical for a company that holds so much weight in our lives controlling our credit scores and you can't get anyone to help you. 

Here 's the main customer support # on their site ( and I tried many many others ). Same result. I called well within hours of operation also. 

XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX   PTSat - Sun : XXXX XXXX - XXXX XXXX PT 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 non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XX/XX/2019 I received a collection letter from Credit Collection Services regarding a debt I did not recognize. 

I sent them a fax on XX/XX/2019 asking them to validate the debt. 

They refused to respond. 

on XX/XX/2019 I sent another fax advising them they refused to validate the debt and are continuing to collect on the debt in violation of the FDCPA and UDAAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: IN

Complaint narrative:
My identity was compromised while serving XXXX. During this time a fraudulent account was opened in my name by XXXX XXXX XXXX. I demand that this item be removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
Capital Accounts attempted to collect a debt. I did not owe the debt and asked for more information. I received a letter from them on XX/XX/18 confirming that the account was cancelled and has been removed from three national credit bureaus. I received another call about the same debt on XX/XX/18 and told them the account has been cancelled. I faxed over the letter that they sent me stating that the account was cancelled. I asked for a response in writing, which I did not receive. They called again today trying to collect the debt.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies Equifax, XXXX, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: MO

Complaint narrative:
This matter pertains to my yearly renewal for IDR. 
Reported information and was asked to submit federal income tax, which I did. 
I was asked to send alternative information about income, which I sent paycheck stub. 
After sending paycheck stub, found out information taken from my GROSS amount was used to determine monthly payment. 
Then found out that the reason for using paycheck stub was due to answering " yes '' to significant change in income. 
I believe that question is deceptive and customers are lead to assume that change of income means making a lower amount ( which was my case ) as well as an increase. 
By using my gross amount as opposed to my agi, my payments went up 5x that of what they had been. 
It isn't right, affordable, or in fair practice for them to ask 5x the amount based on a person 's income who brings home less than half the amount of their gross pay. I am a teacher in MO and to begin with I have 14.5 % of my income taken out for retirement alone. On top of that, I have XXXX taken out for my portion of insurance premium. On top of that, I have XXXX taken out for XXXX ins. I haven't even got to my fed, state, and medicare deductions. This is a dishonest practice of fed loan and they need to make things right with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, XXXX, and Transunion. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, Experian, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, 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 2019-05-16 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: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good afternoon, On XX/XX/2019, I received an email from BBVA Compass Bank regarding my credit card rewards account. It stated that if I spent {$2500.00} in new purchases between XX/XX/2019 and XX/XX/2019 that I would receive XXXX bonus points. I enrolled in the offer and made the required purchases. 

I have never received the XXXX bonus points. I submitted an email through the bank 's online banking service to customer service. A representative replied that she could not help with reward points, that I needed to call a separate department. I replied that this was insane, and that customer service should be able to provide Customer Service. The representative again replied that I needed to call another department. 

I called the number provided. Guess what? The rewards department stated that they could not assist with this issue and they would forward it to another department. Does this sound familiar? 

The customer service at this bank is terrible. I want my XXXX bonus points as stated in the offier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX XXXX registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, GA. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )

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 2019-05-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/2019 and also on XX/XX/2019 and on XX/XX/2019, I sent Equifax a total of 3 dispute letters on an account from XXXX XXXX and have sent it certified and I still haven't received a deletion to a paid settled for less than full balance and they are stating that its late 120 days on a closed account that they marked open I have given them a full 3 months and they refused to resolve it they clearly violated the FCRA law and have received no answer to results its still reporting on XXXX XXXX when XXXX XXXX claimed they deleted the account between XX/XX/XXXX and XX/XX/XXXX and yet it still reports so I am trying to get a straight answer should be deleted and yet it is reporting

Company response to consumer: Closed with explanation