vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one is refusing to increase my credit limits By request or automatically I have been with with this company for several years I requested for them to do a manual overlook of my credit and they refuse they say they use a automatic system to which is computerized and its always generating a negative number for my credit I have pay several things off of my credit and I have lowered my XXXX by 65 % Capital one is definitely unfair to their consumers when it comes to a credit line increase I have a plied for new cards that they offer and I always decline me sometimes I feel like this is a form of discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. Carrington Mortgage Services has even squatted so low to tell XXXX credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with XXXX and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live XXXX, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect address since XX/XX/2021 added to report not by me. Trans union has not fixed this in the last 30 days even after mailing in the information requested for the address to be corrected. Same issue happened to XXXX and XXXX with corrected outcome within the last 30 days completed.

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 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Hello Southwest Credit Systems ; XXXX ; I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dealing with Equifax is like an exercise in futility. It is a real burden trying to get issues resolved this agency. 
I am in possession of the response letter from Equifax concerning my complaint to the CFPB on XX/XX/XXXX. Number XXXX on their willful violation of Fair Credit Reporting Act that states, when a credit bureau receives notice of a dispute, it must reasonably investigate the claim. And the investigation must be performed in 30 days. The notice I received on XX/XX/XXXX is unresponsive to my request. Equifax had 30 days to respond to my previous demand and they failed to do so. 
I warned Equifax in the very recent complaint, that as of XX/XX/XXXX, I mailed in a certified letter requesting the accuracy of XXXX XXXX account number XXXX. And that the account must be removed from my credit file. 
I am demanding that this account be removed permanently and immediately from my credit file due to their lack of transparency. Equifax should not be allowed to manipulate the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
I opened an account with AffirmXXXX XXXX on XX/XX/XXXX. My original purchase was {$1100.00}. XXXX XXXX sent me the wrong items so I returned them. I received my credit so my balance decreased by half. I made a call to affirm to renegotiate my payments and they told me I signed a contract and I needed to make my {$370.00} payments over 3 months. I explained I didn't owe that much anymore since my return. They told me I still needed to make the payment On XX/XX/XXXX I made the payment of {$370.00}. They reported to the credit bureau paid on time. XXXX I called again to discuss my balance because I only owed about {$200.00}. My order was back ordered from XXXX XXXX  until XX/XX/XXXX. I told them I wasn't going to pay for merchandise I have not received or more than I own. I made {$50.00} payment in XXXX and my account was reported to the credit bureau as paid on time. I made additional payment in XXXX and a final payment on XX/XX/XXXX. I got a notification from experian affirm reported my account as 30 days past due. After my account was completely paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: DISCOVER BANK
State: MD

Complaint narrative:
In XXXX I noticed that Discover had decreased my credit line from XXXX to XXXX when I called them they stated it was because of when they did a soft poll on my credit report and the information that they found had them decrease the card but I find it really funny because that same week I was approved for another Discover card with a {$3000.00} line of credit and Discover is refusing to place my faves Discover card credit line back to the XXXX I never was late always paying my bill on time and I find this very absurd and very distasteful I never had my credit line decrease And this is truly embarrassing no documentation was sent out to me to inform me of this matter nor was a phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: MO

Complaint narrative:
This complaint is in reference to an email that I received on XX/XX/2021 stating that my credit card account will be terminated if a payment is not made. I must first start off by saying that is fraudulent. Pursuant to 15 U.S. Code 1602 ( j ), this card is supposed to be an open-end consumer credit plan, which leads to the billing errors ( see attachment labeled EXHIBIT B ) Pursuant to 15 U.S. Code 1666 ( b ) ( 1 ). This is false and misleading ( 15 U.S. Code 1692e ( 2 ) ( A ) ) being that the balance is reflecting in a positive amount ( see EXHIBIT A ) when in FACT it should reflect in a negative amount. The statement also states that there is a payment due, how can a payment be due in an open-end consumer credit plan? This constitutes as unauthorized use pursuant to 15 U.S. Code 1602 ( p ), if I use my card and have to pay it off, it serves me no benefit which means you are misusing my actual credit card ( SSN ). Again, that is false and misleading. I am a consumer and owe no allege debt. Also, pursuant to 15 U.S. Code 1637 ( a ) ( 1-3 ), you are required to give disclosures as to how your rates are calculated and not just a number. According to the statement labeled EXHIBIT A, there is an APR associated with my, Self visa card. This means that there is a finance charge associated with the card, which means a security deposit was fraud because pursuant to 15 U.S. Code 1605 ( a ), The finance charge does not include charges of a type payable in a comparable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
Southwest Credit Systems ( The DebXXXX Collector ) record on my credit file was previously disputed by me multiple times. XXXX. ) The Debt Collectors deliberate misrepresentation of the debt that was in dispute more specifically the changing of the Date Opened from the date originally on file to effectually report the debt as current. 
XXXX. ) The Debt Collectors deliberate misrepresentation of the amount of the debt evidenced by the random increase in the debt by {$1.00} and subsequently reducing of the same by {$1.00} in less than a month. Example of one harmful effect to credit file The percentage of your accounts always paid on time has decreased by 4 % quoted directly from the report subsequent to the manipulation significantly reducing my credit score. 
Detailed Letter and Images will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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:
XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$460.00} These accounts are on my Equifax credit report. 

They are paid. Remove them from my report. 
Dont just show them as closed. Remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted TransUnion on XX/XX/XXXX about the following accounts that are not mine ; XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$710.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$690.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ). TransUnion have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them

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 2022-01-15 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:
XXXX XXXX XXXX. 
{$460.00} {$340.00} XXXX paid in full! Remove them from my report! 

They are reported closed, but are still on my report. Remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have 3 collections reporting on my credit report I dont recall or believe to be fraud XXXX for {$220.00} XXXX for {$340.00} XXXX for {$990.00} I already have tried disputing serval time and called XXXX who sent me to a collector which is Finance System Of Toledo INC I went to hospital they said the medical debt were base out of or from and they said they not aware of or know anything about the alleged debt. I ask that these 3 collections be deleted immediately that cause 3 derogatory marks on my credit report. Next will be legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a credit card on XX/XX/2021. I got a email the same day about my application being on hold until they verify my information. I had to send over my Drive license and my social Security card I even sent my military id over as well. I got approval for my credit card they sent me my card with XXXX credit card limit. XXXX eve I used my credit card at XXXX. Then I used my credit card at the gas station, Yesterday I called Captial one to see why my mobile app wasn't letting me link my credit card so I can make a payment on my card after being transferred three times to be told my information doesn't match that my last four of my ssn doesn't match the account and they can't give me no info or even pullup the documents that I submitted with my information they restricted my credit card told me now I got to apply for a new credit card. I went rounds with them twice. They won't give me any info but yet I have a credit card now I can't use with a balance but yet want me to do a new application for another card meanwhile I have a chance of being denied because I already have a credit card with capital one that is now restricted and they can't locate these documents of mine with my drive license being out there and my ssn. i will take this as far as i need to take this so this never happens again to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
You are reporting an inaccurate date of accounts last activity, inaccurate dates of last reporting and still reporting after the accounts were placed under collection. Please delete the accounts for inaccuracy. ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX FCU ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX PLEASE stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. It is my understanding that you will recheck this item with the creditor who has posted this. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 i ( a ), you must complete the investigation within 30 days of receipt of this letter. Please send a copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of correction to anyone who receives my credit report in the past six months.

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 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I hold XXXX private loans with Sallie Mae taken out during the XXXX timeframe for my attendance and then graduation from the University of XXXX XXXX At the time the University did not accept any other lenders and sent me and my mom into this direction. Post graduation I had a hard time finding employment to pay my monthly loan balance of >1k and Sallie Mae did not work with me to find a payment plan that suited my financial situation and recommended forbearing. My original loan request for all XXXX loans was {$76000.00} and has since doubled to {$150000.00}. I'm looking for insight to see if my loans are included in the recent settlement as I feel these are subprime loans with variable interest rates and Navient hasn't done anything to help. I've also requested several times to remove my cosigner and was told this couldn't be done. 

XXXX XXXX {$16000.00} XXXX XXXX {$18000.00} XXXX XXXX = {$20000.00} XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased a car from XXXX on XXXX XXXXXXXX. I was told that {$1000.00} cash deposit down was required in order for credit through XXXX XXXX XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that XXXX XXXX XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( e ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX- through XX/XX/2020. I contacted XXXX XXXX XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. XXXX XXXX has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated 3rd party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme anxiety, sadness and stress, as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been experiencing an ongoing issue that has yet to be solved. I have submitted in numerous of disputes asking for the following companies to validate the debt that they are claiming I owe. I have requested numerous of times to send the orginial contract with my wet signature claiming and showing documentation confirming that I owe this debt. I have not received ANYTHING from any of the following companies, yet they keep updating my credit reports. What are you updating it with if you haven't even sent me any documentation? I am becoming beyond frustrated at this point. Futhermore, I have been violated numerous of times under the FDCPA, and FCRA. Failure to provide me the orginial documents that I have requested within 30 days results in an automatic deletion. This is the last step I am taking before filing for ligitation.

Company response to consumer: Closed with explanation