vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX, I received a notice by email from American Express about a reduction to my credit limit. The reduction was from {$9500.00} to {$4500.00}. This left me approximately {$130.00} dollars of available credit. Since I never missed a payment or was ever late with my payments I thought there was some mistake. I thought this happened to those with payment issues only. I have been with AMEX for over 25 years and never had incident. I called them up and spoke to customer service. He informed me on XX/XX/XXXX my credit report from XXXX was reviewed and the score was XXXX. In checking XXXX rating scale this falls under good. Still he stated because there was revolving debt mostly from the personal financing of our business, they decided to reduce my credit by 50 %. He said making minimum payments was not sufficiently reducing the debt. Attached I have three statements for the last year since XX/XX/XXXX. My balance then was {$4900.00}. In XX/XX/XXXX a payment of {$400.00} dollars was made reducing the balance to {$4500.00}. By XX/XX/XXXX the balance was down to {$4200.00} respectively. The difference is approximately close to {$700.00} dollars. In addition, if minimum payments are an issue to AMEX then why have a card that allows them as most cards do. He went on to tell me I had options, one option was to make a {$2000.00} dollar  payment by XX/XX/XXXX. This would ensure restoration of the credit line. The second option was to send AMEX tax documents and bank statements to review for a possible appeal. If satisfied a decision could be made to restore my credit. At that point I felt something was not right. I knew credit reports are generally used for credit cards and supplying a credit card with such documentation without consulting someone was not a good idea. Especially, when there was no justifiable reason for such a drastic reduction or measure. I have never heard of such despicable and abusive behavior from a company. 
Though I have no problem supplying documents, I do believe this can lead to further abuse and unchallenged unfair practices from AMEX and others that follow in their steps. This in addition to the potential harm it can do to my credit file. I would like to know if this is considered normal practices from a credit card. According to your website this kind of transgression is not unusual for AMEX. It seems there are illegalities that they have been cited for. I would ask that your agency please follow-up on this situation. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was making payment to them, but it wasn't fast enough for them. They closed the account and sent it to collection. Which I tried to pay but the collection company sent me back the check The credit card company after sending it to collection, has now sent me a bill for an additional fee, and a note that my line of credit is {$5000.00}. 
As well as the collection agency is charging me interest after I paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: MD

Complaint narrative:
I called XXXX again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I called TSI again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
My wife and I has a balance left over on our auto loan with GM Financial at the end of our contract. We resolved the balance with their attorney : XXXX XXXX XXXX, but GM Financial refuses to update our account properly at XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the letters from their attorney, which states we resolved the debt. We just don't understand why GM Financial continues to tell the credit bureaus we owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
harassing me at work and my co-workers even after we told him not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: MD

Complaint narrative:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: LA

Complaint narrative:
Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I filed a complaint regarding the contact methods and collection practices made by National Credit Adjusters on XX/XX/2018 My complaint was successfully submitted and completed. ( # XXXX ) The company responded to my complaint with a signed letter by their legal counselor stating the collection calls would CEASE and any further communications would be in WRITING BY MAIL The letter I received stated, ... In order to resolve your concerns NCA has placed your account into No Calls, Letters Only status which effectively terminates further phone communications in regards to your account. Further, NCA has placed your account into a disputed status which temporarily ceases collection activity while NCA requests the documentation from the original creditor ... 

This letter was signed XX/XX/2018 by XXXX XXXX XXXX ( XXXX ).

Within ten minutes of receiving this notice I began receiving collection calls again with the same claims, and this time I was told I was fraudulent. I informed the representative that they were unlawfully contacting me and proceeded to hang up the phone. 

Clearly NCA does NOT take this SERIOUSLY. 

I have verified ALL my current accounts both in collection and good standing on my XXXX and XXXX credit reports and NOT ONE ACCOUNT is being overseen by NCA.

My concern and wonder is how many OTHER people they are scamming out of money through harassment and unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with XXXX on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CA

Complaint narrative:
In correspondence datedXX/XX/2018 I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. 

XXXX ACC # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days Attached : Copy of my initial letter to this company Copy of my id theft 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 explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blue Global Media, Inc.
State: HI

Complaint narrative:
On Messenger a person hacked into the XXXX  Arizona '' s Mayor 's personal account an sent me a message about an available program from the Government that I might be eligible for, sort of like a grant for {$50000.00} that I would not have to pay back but I would have to submit a payment of {$350.00} with the application. I also had the Mayors personal number as our conversation did not sound the same, I could tell by the reply 's something was off.

Thank God I didn't give any personal info but I have theirs.

If you want more info please send me info on who to report this to.

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check on Friday, XX/XX/2018 for {$2500.00}. This check was for services to be rendered on behalf of the person who drafted and tendered the check to me. On Monday, XX/XX/2018, I looked at my account and saw the transaction was no longer pending and that the full funds were available. In light of the check clearing, on Tuesday, XX/XX/2018, I performed the services for which the check was tendered. I relied on the clearing of this check in performing my services. On Wednesday XX/XX/2018, I saw that there was a pending transaction, reversing the {$2500.00} deposit as there were " insufficient funds ''. I contacted Santander Bank ( my bank ) and they said it was strange and that the funds clear within three days. I said yes, it showed clear. I contacted the person who tendered the check and they were extremely apologetic and said they " accidentally '' deposited the funds for the purposes of the check in their savings account instead of checking and that they would immediately deposit the funds directly into my account. That never happened. On Sunday XX/XX/2018, this person stated they no longer need my services and that the money would not be replaced. I contacted the bank again on Monday XX/XX/XXXX and they gave me every excuse available. My funds cleared by the latest that Monday. How could they reverse it on Wednesday. What if that was my escrow account? What if they wanted a refund and I tendered the money back to the person ... only to get the original transaction reversed. The bank send a bunch of things about courtesy in making the funds available but how can anyone transact business without knowing the funds may be reversed? I asked the bank to submit a fraud claim but I was told to contact the person 's bank, XXXX XXXX. XXXX XXXX said I need to contact Santander. No one wants to give me answers, take responsibility or help me. Either she had the funds in the account and withdrew them after I performed the service or never had the funds in the account at all.

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 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX, we paid off our XXXX XXXX credit card and sent a check for full balance and a note to close the acct. Thereafter we learned without our knowledge that XXXX  XXXX XXXX, XXXX was charging an additional {$150.00} stating we still owed this amount from XXXX XXXX. We called and stated this was unfair accounting practices after the fact and they used abusive language stating we owed and they would garnish our payroll and take our property. We stated we did not make any purchases after the account was closed and for them to justify what is the new charges for. Midland refused to explain and continues not to send us any justification. 

Recently we sent copies of our check and note to XXXX and Midland stating here is the evidence and you need to close out your fraud acct and remove from the credit reporting agencies. 

Midland and XXXX refused and insulted us with a simple letter that they are updating the debt to reflect XX/XX/XXXX. We asked again what are these 4 year old charges for  and to date they refuse to justify. 

This company is punishing consumers with a one-sided demand and ruining consumers credit with Account Identify Theft. This company is fraudulently reporting untrue claims on a consumers credit report without any appeal or solution to the problem. CFPB needs to change the way the credit and collection agencies can arbitrarly go into a consumers credit acct, overcharging and place negative ratings without clear justification or appeal process. We feel they are targeting XXXX consumers who are trying to build their creditworthiness especially when a consumer knows nothing about the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We are issuing this complaint about Freedom Mortgage, loan XXXX. After job loss of seven months, we had to move out of state to find employment. Upon the move, we could not pay for two residences so began loan mitigation process with Freedom. It was five months before we could list the house for sale because of Freedom 's delay on the mitigation process. It has been two months since an offer was made on the house, but we can't close due to delay on part of Freedom Mortgage.

We have obtained and provided each document requested by Freedom ; some, multiple times. As of today, documents are still under review by Freedom and the HUD appraisal has expired. We were told over 10 days ago that Freedom sent a variance to HUD for extension of the appraisal - this needs to be approved before the house sale can be approved. The appraisal would not have expired had Freedom given this timely service.

The buyers ' closing date was three weeks ago and they are ready to walk away because Freedom has no date in sight for approval of the sale. We are hearing from the real estate agents that the buyers plan to pull out of the sale because of the delay. Our realtor will not list the house again, considering it " unsellable '' due to working with Freedom Mortgage.

We have record of 20+ calls and emails to Freedom Mortgage, with agent name/number and supervisor name/extension. I can provide this information to you. We receive incomplete and incorrect information, and no follow-through from assigned agents or supervisor.

We understand the negative marks on our credit are due to not paying on the loan ; however, we believe the past few months ' negativity should not have occurred. We have done everything required/requested in a timely manner but are being penalized by Freedom 's lack of attention.

Thank you for your review of our situation.

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 2018-07-26 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: Mid-Atlantic Finance Co., Inc.
State: AL

Complaint narrative:
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with explanation