vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: VA

Complaint narrative:
Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. 

I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX 

According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. 
If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: SD

Complaint narrative:
I received written communication from XXXX XXXX XXXX XXXX   about an outstanding New Jersey toll violation in earlyXX/XX/XXXX. I disputed the debt because I had an active and funded XXXX account at the time of the validation. I even have proof the account was active ( XXXX XXXX transaction history ) of the valid account less than 1 hour before the alleged violation. I have sent two letters of dispute requesting a validation of the debt via registered mail and received the return receipt but I keep getting collection notices. I assume there was a technical issue with the New Jersey XXXX XXXX system which prevented it from correctly reading my transponder during our trip last summer. The New Jersey toll authority did not request payment from my valid and funded XXXX XXXX account and did not notify me of the outstanding toll and sent the minimal amount to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: CITIBANK, N.A.
State: MI

Complaint narrative:
It has come to my attention the CITI group is actively attempting to interfere with rights guaranteed by the Constitution ( 2nd Amendment ) by manipulating or denying service to certain entities or transactions that are protected by the Constitution. I do not expect CITI group, or any other financial institution to be controlling the nation 's activities through such unpatriotic and un-American behavior. I do expect CITI group to tend to the business of their business and stay out of the business of social tyranny.

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 2018-04-28 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: OH

Complaint narrative:
I submitted formal disputes with Transunion, XXXX, and XXXX in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her XXXX report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.

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 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Wrong address XXXX XXXX XXXX XXXX never lived there

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 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX, I requested that Wells Fargo forgo the escrow account on my conventional adjustable loan as I am below 80 % of my XXXX. Wells Fargo sent me a letter two weeks later to say that it would not drop the escrow account as my original appraisal was XXXX and since my load was XXXX, it was not below 80 % XXXX. Wells Fargo used the tax appraisal completed by the county of XXXX which was not an accurate appraisal of my real estate property. I purchased the house for XXXX. Currently XXXX has an appraisal value at XXXX. I called Wells Fargo after receiving the denial of dropping the escrow account and pleaded my case. I was told that they would review again and escalate the matter. I just received my letter today XX/XX/XXXX, telling me once again that the escrow account will not be dropped and that my loan to value is more than 80 %. No calculation was provided to let me know how this percentage was obtained. This is certainly unfair practices by Wells Fargo. I can go a step further and say Wells Fargo saw fit to change my loan to one with an escrow account without my agreement. My loan has gone from {$1100.00} to now {$1600.00} per month with escrow. I am nearly 3 years out of a chapter XXXX discharge and you would think that Wells Fargo would be more lenient with its customers that are trying to get back on their feet. If I didn't know any better, I would think this Wells Fargo is trying to get me to go into foreclosure.

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 2018-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade has completely ignored my request to remove inquiries that should not be long on my credit and has lied in stating that I have on my second application with them after failing to find an alternative way to identify myself and simply seems to be collecting data of bars while negatively affecting their credit reports with no intention of ever loaning any money. I have reached out to shovel officers of the company on XXXX and was blocked by then. This level of customer service seems to be typical with online platforms That promise low interest rates and virtual guarantees to steal business from traditional banks with no intention of ever for filling the loan. This deceptive advertising negatively affects consumers and now I am in a position where my score is dropped and Im unable to obtain the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: OH

Complaint narrative:
I submitted formal disputes with XXXX, Equifax, and XXXX  in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her Equifax report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.

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 2018-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The most recent letter I received from Citibank, N.A., stated they have tried to call me at ( XXXX ) XXXX and received no such call. Please ask Citibank, N.A., for phone records proving their statement that they have tried to initiate communication.

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 2018-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My complaint has to do with XXXX XXXX- purposely lowering the credit limit on two of my credit cards ( XXXX & XXXX XXXX. As evident in my account history, my monthly payments on the foregoing cc 's were delinquent for a couple months. Regardless, as soon as I started making $ XXXX/ {$300.00} pyts to get caught up and to pay down my balances, I received multiple pieces of correspondence ( some attached ) stating that they were lowering my credit limit. I can prove the direct correlation between payments I have made and credit limits being lowered on each credit cards { if need me, I can obtain a timeline from my account online and/or the CFPB can acquire that data from XXXX XXXX directly }. 
In addition to this unilateral action on behalf of XXXX XXXX, they mailed me correspondence indicating same, however, the limits mentioned in their letters were not representative of the " actual limits '' on the card at the time as the limits were acutually lower than the amounts mentioned in their correspondance. As a matter of fact, they were lowering the limits so quickly that their mailings could not keep up with the actual account status. 
I have never experienced a credit card company that actually " monitored customer payments '' made on accounts and then, purposely lowered the credit limit in response to same. Beknownst to XXXX XXXX, by partaking in this activity, they are aware, that credit scores lower as there is no disparity between the balance on the card ( carried ) and the actual limit. 
My XXXX credit limit was initially {$2400.00} and is now {$1900.00} ; XXXX XXXX credit limit was initially {$1800.00} and then {$1200.00} and, when I logged on the other day ( see attachment XXXX to their site, it said " {$0.00} '' credit limit. I called XXXX XXXX / XXXX and they stated, you elected the 'hardship program'- I stated, NO, nope, NO- never did that. They then stated they would put the credit limit back -? 
[ no telling how much my credit score suffered when the balance was $ XXXX+ and the credit limit was {$0.00} ; such flagrant actions have direct credit impacts on customers ' FICO scores ] In closing, I am aware of credit card companies lowering credit limits but not in " direct response/correlation '' to payments made. The limits were lowered on BOTH cc 's a variety of times, subsequent to payments made, in order to keep the 'balance in close relation to the limit'- otherwise, why was it done? 

If this " practice '' on behalf of XXXX XXXX if not in direct violation of the FDCPA, I don't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.

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 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC system. XXXX XXXX. Open XX/XX/2016. For {$410.00} Placed for collection

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 2018-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: FL

Complaint narrative:
Creditor has stated that I owe XXXX then XXXX then XXXX. They change the amount each month. They constantly report it differently on my credit report. This debt was paid by the insurance company back in 2012. XXXX XXXX keeps reporting different creditors under my name with the amount of XXXX then they will decrease it to XXXX. Then re report it with a different date. Then they change it again to XXXX. This goes on constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
Financing terms of loan/line of credit include deferred interest, waived if the total balance is paid in full before the end of the promotional period. No payments are due during the promotional period. 

However, the statements provided ( I just received my first one ) are confusing - they show " interest charged '' with such interest amount included in the " New Balance ''.

There is a box in the middle of the statement that states if the current pay off amount ( which is the New Balance less the interest charged amount ) by the promotion expiration date, the total interest charged plus any additional accrued interest will be waived. 

While I personally know that I am technically not being charged the interest unless I do not pay the principal balance in full before the end of the promotional period, I fear that this confusing presentation of the information may cause unsuspecting consumers to think they need to pay the total new balance amount, which includes interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: IA

Complaint narrative:
Citigroup and XXXX XXXX XXXX have made changes to their policies and are violating the law. They are using their power to restrict the Constitutional right to purchase firearms and firearm related supplies. This is in violation of 15 USC 1691a, They are not allowed to discriminate against my lawful right to purchase something just so they can appease a political viewpoint. This is could also be a civil rights violation as my actions are protected by the Constitution. If not corrected they could eventually be passing judgement on all of my transactions that might be considered politically incorrect. Please enforce the law.

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 2018-04-29 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: PA

Complaint narrative:
Fruad account account was deleted twice from credit report then keeps reappearing mid XXXX XXXX XXXX XXXX   creditor change name to the back of Missouri and readded account with the same account number that was deleted I attached proof Amount XXXX XX/XX/2015 account was open

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 2018-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I have a folowing situation - I just XXXX XXXX to XXXX and I don't have any credit history, good or bad. 

I went to Bank of America in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of Bank of America in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from Bank of America ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card anyways?!

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 2018-04-29 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother

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 2018-04-29 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother

Company response to consumer: Closed with explanation