vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: TX

Complaint narrative:
Equifax has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from Equifax. Equifax always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested Equifax to update their file over 5 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I applied for a short sale back in XXXX and we are in XXXX now and I just get the same response, " it is in review '', I understand it takes time to review documents, but you they asked for documents and I get them to them the next day and yet it takes them months to review these things. I am being transferred for my job and I can not afford two houses and this one is underwater. This should be a very simple response and the offer is great.

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 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have a payment plan with XXXX and they still continue to call myself as well as my family members about this debt almost daily. We had to get new phone numbers because they continued to harass us. They have never validated this debt either to me and I only decided to pay this account in hopes they would leave me alone. I have contacted them multiple times regarding this and they deny that this is happening. When we answer the calls they refuse to tell us who they work for unless we verify who we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I paid a debt that i knowingly have no knowledge of. I paid it on XX/XX/XXXX as I am in the process of obtaining a mortgage and this collection came up on my credit report. I emailed the agency on XX/XX/XXXX for deletion as i paid the debt although its not mine ( to expedite mortgage process ) and to remove from all three credit bureaus. I have not received a response as of yet. Furthermore the agency is reporting different information on all three bureaus. XXXX shows an open date of XX/XX/XXXX and the remarks show placed for collection and account as open. XXXX  shows an open date of XX/XX/XXXX and the remarks show medical. My XXXX report shows an open date of XX/XX/XXXX and it being closed. I have never went by the name XXXX XXXX as that is what is being reported under my social security number in their agency database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: St.John Cobb Inc
State: NC

Complaint narrative:
Car accident witch the other driver was at fault and company wanted medical insurance information which was provided but it wasnt resolved ... so I was stuck with a bill that I didnt know I had until the phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Good afternoon, I have a credit card from American Express and today I received an email from them stating that they have lowered my credit limit from {$18000.00} to {$7000.00} effective today. I currently have a balance of approximately {$6800.00} dollars. The only reason I put that amount of money on this card was because they had extended this {$18000.00} line of credit to me and I decided to use more than I usually do even though I know they will charge me interest ( these past months I have had to incur in more expenses than normal ). I am however paying off the card off in the following XXXX months ( as was my original plan ). However they informed of this credit limit decrease today without prior warning. Had I known that they would do that I would have never, ever opened a card with them. I opened this card in XX/XX/XXXX and I have never missed a single payment on the card and until recently I had always paid the full amount ( in the past few months however I have been making minimum payments to this card so I could take of other necessities ). Not only did they lower my credit limit which will affect my utilization rating and subsequently lower my XXXX XXXX, which will in turn increase my cost of borrowing should the need arise. Also what happens if with the interest they charge me, my balance goes above the credit limit? I would have to pay additional fees that would not have been charged had my credit limit been unadjusted. Not only that but when I call the customer service line to discuss what happened, they tell me that they had a solution for me which was for me to make a payment of 50 % of what I owed before early XXXX of this year, they would restore my credit to {$18000.00}. 

I truly feel that tactics like these should be illegal ( not to mention just horrible business practices because I will be closing my account as soon as I have finished paying off the balance ). How can a company tell me I have a credit limit of X and then all of a sudden lower that limit to Y without any prior warning whatsoever? What's the point of giving me {$18000.00} credit if in reality as soon as I reach less than half of it they will lower my XXXX XXXX and put me in a precarious position which would plunge me into even more debt should I not bow down to their demands. I can not believe that what they did is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a notice from Diversified Consultants, Inc. to inform me about an alleged debt with XXXX XXXX in the amount of {$1600.00}. I notified them within the 30 days after receiving this notice and I disputed the validity of this debt. I sent a certified letter on XX/XX/XXXX. I received their response to my certified letter on XX/XX/XXXX. 

My certified letter ( which I am attaching to this complaint ) requested some of the following : -Agreement with the creditor that authorizes you to collect on this alleged debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Agreement bearing my signature stating that I have agreed to assume the debt -Complete payment history on this account along with an accounting of all additional charges being assessed. 
-Contractual signatures and agreements of said account -Documentation showing you are licensed to collect in Colorado along with your license number and registered agent. 

The only thing I received was a cell phone bill with talk history from XX/XX/XXXX to XX/XX/XXXX. They failed to validate this debt and they failed to delete this account from the 3 credit bureaus and stop attempts at collecting this debt. They did not submit any of the information I requested. A billing statement is not proper validation of a debt. I do not have a signed contract nor any contract with Diversified Consultants , Inc, regardless whether or not they purchased this debt from XXXX XXXX. 

I have attached all communication with Diversified Consultants , Inc . Since this account was not properly validated, I am no longer legally responsible. Account validation is my right granted by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased an used car at XXXX  XXXX and was approved for the loan through capital one with a 18 percent interest which is understandably high but when i first made my payments with this lender my interest seem to be applied correctly on my first loan and when i called to make the payment i heard the representative state to her co worker that the interest was applied incorrectly and she need to get my account to an account manager to fix that error since that day all my payments has been only applied to my interest instead of my principal in which i believe the statement she made was a deceptive statement. i called uncountable times to fix this issue and capital one can not give no explaination i called XX/XX/18 and was told basically a repeated verbatim script and i need corporate to throughly investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX insurance claim and refund of the several prepaid years of the insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: HI

Complaint narrative:
Hi, I am contacting you as my mortgage company ( Cardinal Financial ) is engaging in fraud and trying to make me over insure my house, which is illegal. We have paid our insurances to the requirement specified ( cost of dwelling XXXX ) and our mortgage company says we need more coverage ( cost of loan amount approx 357K ). After many phone calls we now understand that Cardinal wants the term replacement cost guarantee in the phrasing of the insurance coverage, which our insurer thought odd and had never done before. XXXX XXXX at Cardinal Financial explained this to us after a long, terse conversation. 
XXXX says I have 7 to 10 days to hand this new insurance information to Cardinal or they will force buy more insurance and cost me more money despite paying for the insurance already. 
We have sent in this required documentation, yet I am concerned as Cardinal seems to be trying to change terms and force me out of my chosen insurer into a more costly one of their choice. This attempt at insurance fraud in addition to swindling us via higher insurance of their chosen carrier has me concerned about this despicable company who I am stuck with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. 
Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is valid?

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 2018-03-08 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been engaged in dispute with Wells Fargo Dealer Services, XXXX, and XXXX XXXX XXXX since XXXX. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 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: TX

Complaint narrative:
XXXX  has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from XXXX. XXXX always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested XXXX to update their file over 5 times.

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 2018-03-08 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: MO

Complaint narrative:
XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX  insurance claim and refund of the several prepaid years of the insurance policy.

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 2018-03-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.

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 2018-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have been dealing with the loss draft department at XXXX XXXX XXXX XXXX  and they are practicing unlawful enrichment. harassment, unethical and illegal practices in regards to money that is in a restricted escrow account paid out by my insurance company. They have held on to my money ( over 11,000 ) for over 3 months now even though I have provided all of the necessary paperwork proving I have had the work done. Including inspections etc even the the insurance company and I agreed to a monetary settlement. They give me ridiculous excuses, can't find paperwork, send the inspector with the wrong paperwork etc. I would like an investigation into these illegal practice that that have caused me pain, distress and emotional turmoil

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 monetary relief
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XX/XX/XXXX. {$1500.00} XX/XX/XXXX. {$4400.00} XX/XX/XXXX. {$4300.00} XX/XX/XXXX. {$2900.00} Ive called the company to ask about sending the original paperwork and my signature. Also asking how is it valid/legal for a minor to sign for such significant amounts being under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEM INTERNATIONAL CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/XXXX Date Debt/Collection : XX/XX/XXXX Amount of Debt : {$39.00} I ask the Debt Collection Company to properly investigate this debt and they have refused to do so which is in direct violation of the fair debt collection laws. If this company does not accept my dispute request then I will file a complaint with the FTC and the Attorney General 's Office of Texas. 

I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
ASC is reporting on my credit as a foreclosure with multiple lates. I have never had an account with this company, nor do I know who they are. I never signed any documentation with ASC. The only mortgage I ever had was with Wells Fargo, which is reporting on my credit. I have never had any other Mortgages other than Wells Fargo.

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