vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX  XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove 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 explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: ID

Complaint narrative:
I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. 
Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. 
I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I qualify for and am enrolled in the Public Services Loan Forgiveness ( PSLF ) Program. In XX/XX/XXXX, I submitted my application through the federal government to have my account changed from an Income Based Repayment ( IBR ) plan to the Pay as you Earn ( PAYE ) plan. My loan servicer, FedLoan Servicing, based in XXXX, PA did not begin processing this request until XX/XX/XXXX at which point it placed my account in forbearance to make the changes to my account. They did not complete the update until XX/XX/XXXX. Because forbearance is not a qualifying status for PSLF, the 3 months that my account was in forbearance do n't count toward the 120 payments, pushing my eligibility date from XX/XX/XXXX to XX/XX/XXXX. 
Under standard repayment, my monthly payment is > {$1200.00} per month, resulting in approximately {$3700.00} additional dollars that I am liable for because of their failure to update my account in a timely manner. Additionally, placing an account in forbearance causes interest to be capitalized, which in my case resulted in {$1700.00} in interest being added to my principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: ND

Complaint narrative:
I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our 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 explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was laid off from my job in XXXX of 2016. I spoke to Capital One about my layoff to seek a hardship assistance program in XXXX of 2016 after unemployment ran out and I no longer had any money to make regular payments. Capital One told me that Unemployment is not a hardship and that I was not eligible for any payment reduction or hardship program, the also told me I could n't make a payment for less than the minimum amount they said was due. It did n't occur to me until now to file this complaint until I remembered that this agency even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.

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 2017-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have been a new Ford customer for the past two years. My first two vehicles I leased a XXXX Ford Focus and returned it with no issues. On my second vehicle, a XXXX Ford Fusion, I traded in my lease early X/XX/17 being advised I was eligible for an early bird trade in. I traded the Fusion in and picked up another XXXX Ford Escape Titanium. 

I periodically checked in with Ford Credit 's website to see that payment was still due but I was assured by the sales rep that all the paperwork was completed that day and I had nothing to worry about. When I received letters that payments were missed, I followed up again and going forward I have made no less than a dozen calls into Ford Credit and half a dozen calls into the Ford Dealership in XXXX, CA to get the issue resolved. 

Ford Credit made contact with the dealership and confirmed the details with the GM and the sales rep, yet still continued to bill me the remaining 3 months as well as report to the credit agencies that I am delinquent on my payments. 

There have been several lease end managers that have been handling my case who have made contact with XXXX XXXX 's dealership. Each time they have stated I would receive follow up phone calls to update me on the issue and promised me that it would be fixed. However, each time I have had no follow ups done. I am on the phone again now with XXXX and she has again promised me to accomplish what all the others have promised me. 

The error seems to be that XXXX did not send the early bird termination papers and payment or that Ford Credit lost that information. But even with contacting the dealership, confirming that it was an early bird termination/trade in, I am still being asked to pay Ford and Ford has done nothing to repair my credit. 

The aggravation, distress, and time at work spent on dealing with this matter during working hours must be worth something. Additionally is this common practice at Ford Credit and lease end returns? It does not seem like there is any competency at Ford at the Credit department and at the dealership which makes a consumer suspicious that this is widespread.
I now turn to CFPB to see if we can get some movement on this as 3 months later they are still looking for papers ( even after the leased vehicle has been inspected, traded in, and facts verified ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 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: WA

Complaint narrative:
I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on  XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/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 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.

Company response to consumer: Closed with explanation