vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, 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 2017-08-01 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: OH

Complaint narrative:
I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: CA

Complaint narrative:
XX/XX/XXXX - Emergency Room visit.XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

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 2017-08-01 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: CA

Complaint narrative:
XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been on time for all my payments for the last 8 years. I experienced an economic hardship in XXXX XXXX, 2017. I contacted Nationstar to inquire about payment assistance. The representative informed me that I qualified for a payment plan. My XXXX mortgage could be spread out for 3 months. She informed me that my credit would be reported as delinquent during the 3 months, but at the conclusion of the 3 months and if I was meet the terms of the payment plan, my credit would be would be reversed through a credit dispute. I decided to go with the payment plan. A month later, XXXX/XXXX/17, I was greeted with a notice on my door with a letter Nationstar asking me to call to confirm that the property was not abandoned. I later received a {$15.00} charge on my statement for a property inspection, the fee to serve the notice. I called to inquire why I was charged this fee if I was in communication with Nationstar and have set up a payment plan. The supervisor explained that the fee could not be waived and that it was part of regulations. She could do nothing about it and informed me that the representative should have informed me of the {$15.00} fee. Throughout the 3 months of the payment plan, I receive daily automated phone calls harassing me to call Nationstar because of my delinquent status. I have attempted to call them back and the representatives are always confused if I have a payment plan why I receive the calls daily, yet they still continue. In the end, I have completed my obligations for the payment plan in full on XXXX XXXX,  2017 as scheduled. I inquired the process of reversing my credit as was explained to me when I signed up for the payment plan. The supervisor said I can complete a credit dispute but there is no guarantee that it would be reversed and explained that the initial representative gave me false information. I wanted to file a complaint, but the supervisor could not tell me who was the initial representative that set up the placement plan. I would have sought other alternatives if my credit would be tarnished. I believe it is ridiculous to be charged hidden fees for the property inspection when I am in communication with the organization and there was no need to see if the home is vacant, especially when experiencing economic hardship, and especially when I am being compliant to the terms of the payment plan. In addition, the daily phone calls and emails are harassing. The information provided about the payment plan is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

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 2017-08-01 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: IL

Complaint narrative:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 2017-08-02 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: National Recoveries, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I entered into a contract with National Recoveries , Inc to rehabilitate my direct loans that were in default. I sent them all of the documents they requested, we made a payment agreement, and they started billing my debit card for a monthly payment of {$190.00}. I was told that after making 10 on time payments I would come out of default and be placed with a lender. During the course of the 10 months National Recoveries called me multiple times insisting they never received any documents from me, that my signature was cut off, that I needed to sign all pages on the side and re-fax, etc. I kept faxing documents in spite of the fact that they must have received them because we had established a payment based on my income. At the end of the repayment period, National Recoveries requested that I electronically sign agreement for them to request my tax information directly from the IRS, which I did. My payment was originally based on my XXXX tax return. National Recoveries requested my XXXX tax return despite my contract and payments beginning in XX/XX/XXXX. I worked a lot of overtime in XXXX as I had two sets of loans in rehabilitation and I was paying for my oldest son to go to college. Because my income was higher than the previous year, National Recoveries told me I would have to pay over {$3000.00} or be kicked out of the rehabilitation program. I was unable to pay the additional money. I contacted the department of education and they told me I was never even placed in rehabilitation by National Recoveries Inc. Eventually, after multiple phone calls, the department of ed agreed to start taking my payments through their default resolutions dept. Unfortunately, no matter how much I send, it does n't touch the principal, only interest and fees.
Despite meeting my obligation and making 10 on time payments for the agreed upon amount, I have never been placed with a lender and continue to be in default despite those 10 payments and additional payments I have sent directly to the dept of ed including my XXXX federal tax refund.
Payments made through National Recoveries : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  Payments made direct to dept of ed : XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX My other set of loans, placed with XXXX, were rehabilitated and placed with a lender. I have been making payments to the lender for 15 months and am in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX  M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
 XX/XX/XXXX   XXXX   XXXX   XXXX   {$2500.00} is showing revolving credit, this account was satisfied and closed out in  XX/XX/XXXX  it 's still being reflected on my credit report. I disputed in  XX/XX/XXXX  and was advised it was removed.
 XX/XX/XXXX    XXXX   XXXX   account was disputed, and satisfied still being reflected on my credit report.
 XX/XX/XXXX  M & T Bank {$1100.00} was satisfied in XX/XX/XXXX  still being reflected as a negative result on 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 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi my is name   XXXX   XXXX  . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item 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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection

Company response to consumer: Closed with explanation