vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
In the summer of 2018 I received an email from USAA, my credit card company stating there had been a change completed to my account. Once I logged on, the company had reduced my credit limit from {$18000.00} to {$2500.00}. They said they ran a random check of my credit report and lowered based on the score. Now, this is not a brand new card. I've had and used this credit card my entire adult life ... Well over 30 years. I never have had my credit lowered by any company. In addition, I know I had taken a hit on my credit score so I wanted to improve my income to debt ratio. I paid off my entire balance with USAA in 2018. My balance was approximately {$14000.00}. Due to the company lowering my credit limit, it lowered my credit score drastically. Thus, as I have been actively working to improve my credit score, USAA continues to thwart my efforts by lowering my credit limit. It completely affected my income to debt ratio, which is why I paid off the debt completely. I could still be running a balance with USAA and they would not have touched my credit limit. 

I believe USAA is manipulating it's credit to it's members. I had USAA for my homeowners insurance and I dropped their coverage. Shortly after this, they lowered my credit limit. 

Since my credit limit was lowered by over {$15000.00}, I've had to work to try to improve my income to debt ratio. {$2500.00} was not much for me to use. I have newer cards where I was automatically given a {$5000.00} credit limit. Twice as much as USAA authorized for a 30 year member. It was improving my income to debt ratio. 

This weekend, USAA continues their deliberate attacks upon my credit again by lowering my credit limit to just {$500.00}. This time it is for non-use of the card. This is ridiculous. I've been with them for over 30 years. It's probably been close to a decade or longer where I had a late payment. I still have their auto insurance. My payments with my other accounts are on time. 

Actually, my payments to all of my accounts are listed as 99 % on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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 ; XXXXn and Transunion should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-13 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: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-13 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: Innovis
State: TX

Complaint narrative:
remove the ftc violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off my loan with Capital One auto finance. They do not give clear instructions on their app, so I called their XXXX number. My payment has still not posted. When I call the XXXX number, it says their associates are not available and to call back within the hours of XXXX and XXXX central time. Those are the hours I am calling. The problem I have is that the payoff amount keeps increasing with each day the payoff is not made. I am hesitant to pay it again as I do not want to go through the headache of overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I opened SunTrust Checking and Savings accounts online and promptly followed up with applications for a Prime Rewards MasterCard ( Application ID : XXXX ), which was immediately approved for a credit line of {$2000.00}, and a Cash Rewards MasterCard that was declined ( supposedly because only one application can be approved at a time ; Application ID : XXXX ). Although the Card that was approved ( last 4 digits : XXXX ) showed up in my online account immediately, it was not very long afterward that it vanished and I was presented with vast assortment of misinformation over the course of the past week -- including being told on XX/XX/2020 by the Credit Card Underwriting Department that my Card had been stolen and later being told by the Credit Card Fraud Department ( reaffirmed this past Friday ) that a replacement Card had been ordered -- before being informed today ( by a representative who claimed that no supervisors were available ) that my information could not be verified and that I would need to bring my identification into a local SunTrust branch before the approval process could move forward.

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 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has to be violating a law or two and I am bored by these complaints I am having to spend my time on. 
Issue : Letter received from Chase, dated XX/XX/20 - inaccurate and unauthorized. I did not ask them ( Overdraft Collections dept ) to review this account since it is paid in full, closed and the amount cited is incorrect/not owed. 
Please see attached pdf of my contact log with Chase, I only speak with the Executive Office ( XXXX on this particular day ) now since they are supposed to be able to resolve issues at a higher level, as proof that I did not ask assistance from overdraft collection dept ... last conversation I had with them was, per my log was : XX/XX/20 Called spoke XXXX They still can not locate the status on this $ 200they claim they are still researching it, XXXX. Asked to speak with a supervisor ( she was unavailable, but I insisted ) XXXX, XXXX. Was on the phone with them for 55 mins to find out no further work on their part has been done to rectify and they hung up on me. 
Filed FTC complaint and CFPB ( Consumer Financial Protection Bureau ) complaint ID - XXXX. 

Debt not owed - paid in full. This account is settled and paid as agreed by me in cash at my local branch, please see attached pdf " XXXX account issues '' for that proof. It was paid XX/XX/20, see receipt. 

I have had several conversations with the Executive Office to resolve the issues and be reimbursed/correct for the errors Chase has caused, however, I am still lacking resolution to my original complaint. Of my four complaints ... only one, for {$27.00}, was credited appropriately. 

I am unsure who is continuing this garbage and honestly I do not care, but they need to be stopped and reimburse me what is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I have been trying change my name with Citibank for almost a year with no help. I opened an account with Citibank in the early XXXX. By XXXX  all branches in XXXX XXXX were closed. I have since married and changed my name and can not get assistance to update my account. They require a notary which I am currently unable to go to because of Covid-19 and my health issues. In all of the work I have done in changing my name on loans, insurance, etc. only Citibank has given me a difficult time. Changing my SSN was easier. I am unable to deposit a check because it is in the wrong name and there is no branch. I am being continually punished by a bank that refuses to help me or make any exception in this difficult time. I do not understand why a bank requires me to risk my life to reflect a simple name change. I was told I could change my name over the phone and am now being told I can not.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a payment deferment for my home mortgage as a result of the current COVID pandemic. XXXX XXXX XXXX will only provide a forbearance for 90 days and that at the end of the 90 days, a balloon payment for the entire amount of the payments not made within that 90 day period including the current amount due would be due, in my case, totaling over {$17000.00}. I told them I could not afford that and they said that is all they could offer. I have had the account for over 14 years, never ever missed a payment or made a late payment. They're structuring this so that consumers like myself will fail by forcing the balloon payment rather than extending the term of the mortgage an additional 90 days. Bank of America is extorting consumers and the banks actions will lead to an enormous amount of foreclosures because consumers who were forced into forbearance during this pandemic will not be able to make up those three missed payments all at once. This is criminal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Im passed due {$83.00} as of XX/XX/2020. They are reporting Im past due {$150.00} as if XX/XX/2020 I have proof that I paid XXXX, even paid extra ( {$100.00} ) they are reporting a inaccurate past due amount. They are including XX/XX/2020 payment as past due and its not even past due as its XX/XX/XXXX today. I have recieved 10 phone calls 3 voicemails and 6 text messages. Theres a world pandemic and Im being harassed after trying to work with the company. I would like the company to accurately report my balance and update the inaccuracy. They are causing me to lose funding help. Im only past due {$83.00} and have attempted twice to come current but there are requiring I pay {$150.00} please have them provide a detail of every payment I feel like they are taking advantage of this pandemic in attempt to harass me and negatively report on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: GA

Complaint narrative:
I am sending this information due to the fact that on XX/XX/2020, I sent in an identity theft packet to two credit agencies for items that were not mine on my credit report. 
I received letters from the agencies so I contacted both agencies one agency took some information off my credit file and told me I needed to fax the ftcp image and they would take off the rest and then when I called back I was told it was not uploaded and then I got another letter saying it would be 30 more days which they have already been over 30days and they still have not removed the item and it's still on my credit profile and this item is not mine please have this item removed from my credit profile. 

Thank You,

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continues to charge my ATM card {$24.00} for something I have not authorized.I have tried to call them, but they continue to bounce you around their IVR system. I have tried to reach them online, as I do have a free based service Credit Freeze with them, but it doesn't let me log a complaint because the service I have with them is non fee based. My bank, XXXX XXXX recognizes the charge as unauthorized and quickly credits my account, then places my ATM card on hold. When I call XXXX XXXX they tell me this happens all of the time with Transunion and XXXX XXXX issues me another ATM card with a different card number. Less than a week later Transunion issues another charge to the new ATM card number. Please help to get Transunion to stop billing {$24.00} for something I have not authorized.

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 2020-04-13 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: MI

Complaint narrative:
On numerous occasions ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) I have disputed accounts on my credit report that does not belong to me. Explaining I never had an account with these companies and ask for proof to show from their investigation the reason it is reporting. Something I have never received they only continue to update how long it will remain. XXXX and XXXX XXXX are the accounts.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/2020 I opened a Chase Total Checking account online, which was automatically connected to my online account associated with my three Chase credit cards, and over the course of the next week began the process of linking it to my external deposit accounts for incoming and outgoing transfers. On XX/XX/2020 I attempted to set up several external accounts for incoming and outgoing transfers to and from my Chase checking account using a process that required me to enter my login information with the external financial institutions and then verify my identity by entering a security code sent to my email address or phone numbers registered with the external financial institutions. After repeatedly entering the login information and security codes correctly with one financial institution after another and being presented with repeated error codes by the Chase website, my session was abruptly terminated and I received an error message indicating that my account had been locked to protect it against unusual activity when I tried to log back in, which I was later to discover meant that my online account had been permanently disabled. Despite promptly cancelling my Total Checking account over the security issue, Chase has steadfastly refused to provide me with a means to either re-enable my online account or offer a secure means for me to restore online access to my three Chase credit card accounts by de-registering them from my disabled online account so that I can create a new username to access my credit cards online, instead insisting that I create a new username over the phone -- despite the fact that I have no landline phone service -- or visit a local Branch ( there are none within 100 miles ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: NJ

Complaint narrative:
This collection account is reporting on my credit profile with XXXX, Transunion & XXXX. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney

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 2020-04-13 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: NJ

Complaint narrative:
This collection account is reporting on my credit profile with XXXX, XXXX  & Equifax. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
The National Credit System and XXXX XXXX XXXX filed a collection account on my credit profile about a debt that does not belong to me. I am currently under a lease contract in NJ and the companies failed to follow my identify fraud alert on my credit file to contact me at my number before moving forward with any credit application. Phone number and bank account used does not belong to me and this company is preventing me from seeking credit and falsely claiming that this file belongs to me NATIONAL CREDIT SYSTEM XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$350.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$350.00}

Company response to consumer: Closed with explanation