vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: CA

Complaint narrative:
On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time.

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I placed a credit freeze with all three credit agencies in early XXXX. I then applied for a home loan in mid XXXX and had no problem temporarily lifting my credit freeze with XXXX and XXXX but Experian would never recognize my information online or by phone and required mailed in copies of all my documentation, this delayed my loan processing by several weeks. I thought that this would be a one time issue since I provided all of this documentation to Experian but today I have another reason to request a temporary lift of my credit freeze and again, Experian is the only credit agency that will not recognize any of my information and requires all documentation in hard copy mailed to their location. This is only 1.5 months since I last did this and I still have my confirmation PIN from when I set up the freeze with Experian on XXXX XXXX XXXX. 
I believe Experian is making the process more arduous to discourage individuals from utilizing the credit freeze system. I believe this is because I am not Experian 's customer, their customers are the agencies looking for credit information and my putting a freeze in place could take away from Experian 's business. The Consumer Finance Protection Bureau should ensure measures are in place that credit reporting agencies are responsive to individual requests for temporary lifting and subsequent securing of a credit freeze.

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 2018-01-05 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with Experian and XXXX. which i decided to report this to you for help, please help 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 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
this is an attempt to try and illegally collect a debt that is no longer eligible or owed for the following reasons. 
The account itself has aged out since it has actually been previously REMOVED from my report. 
I have not received any letter of reinsertion ever for this debt. 
You CAN NOT just claim a debt again once it has expired to restart the clock on it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: CITIBANK, N.A.
State: RI

Complaint narrative:
My credit card has been locked by citi. The fraud department has not given me a clear answer as to why that is, and now wants me to wait WEEKS and submit proof of my social security number by filling out a form. During this time, I will be unable to use my credit card. 

I am attaching my passport, my license, a copy of my federal tax return from 2016, and a XXXX issued by XXXX XXXX. I have misplaced my social security card, and it will take work for me to get it replaced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed recently on a credit report included with my apartment application that in XXXX XXXX, there was a hard inquiry for an auto loan by XXXX. I called XXXX and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update Experian because they said that since there were no records on file, I would have to call experian directly. On XXXX XXXX, I called Experian to dispute this, and they refused to dispute it or to investigate or to call XXXX. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call XXXX again. After this long argument about how he could not and would not investigate, I called XXXX XXXX back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that XXXX  takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC
State: WA

Complaint narrative:
Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: KS

Complaint narrative:
I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX : Back in XXXX+XXXX of XXXX, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a XXXX  CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from XXXX XXXX until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with XXXX XXXX? 

CHASE MORTGAGE : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with Chase. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with Chase today, never

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with XXXX and Equifax. which i decided to report this to you for help, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was originally harrassed by a medical debt collector by the name of XXXX XXXX for the amount of {$240.00}. It was put on my credit report in XX/XX/XXXX. They constantly threatened to sue me, and called several times a day, said they would garnish mine or my husband 's wages, etc. 
After researching their state license here in Tennessee, I found out they are not licensed and have not been since XX/XX/XXXX. They sold the debt off, or began operating under the company called Wakefield and Associates, which is licensed in Tennessee out of Colorado, and the debt was re-added to my  credit report under the Wakefield name.

I believe that the two companies named have broken several laws including HIPAA, and I have no contract to pay the listed amount to the current debt collector, Wakefield.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed recently on a credit report included with my apartment application that in XXXX 2017, there was a hard inquiry for an auto loan by CHASE. I called chase and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update XXXX because they said that since there were no records on file, I would have to call XXXX  directly. On XX/XX/XXXX, I called XXXX to dispute this, and they refused to dispute it or to investigate or to call Chase. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call Chase again. After this long argument about how he could not and would not investigate, I called chase auto back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that chase takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I wish to lodge a complaint regarding the debt collection practices of XXXX XXXX XXXX. I am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be Capital One ), but XXXX XXXX XXXX is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, XXXX, I sent a letter requesting XXXX XXXX XXXX to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, XXXX XXXX XXXX have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus. 

In addition, a representative of XXXX XXXX XXXX called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I was first called by Diversified Consultants, not sent a letter. They left a message. I returned their call. I asked them what they wanted and they started to bore in on me and just yell and talk over me. I was very unappreciative of this and told them it was customer abuse. When I told them that I had a letter from XXXX that said I was not to contact anyone related to XXXX XXXX and this incudes them ) they got mad. It was as if to say that I should violate law and the letter. They also told off my husband and he never spoke to them before that one time. 

When I would try to speak to them they referring to everyone I spoke to, would talk over me even after asking a question. They would not listen to my answers so I stopped talking. at one point I asked a question and they answered with a question. I asked them to please answer my question with a statement and not a question. They refused. They continued this pattern of behavior and to this day now I have them blocked in my phone. so they try restricted calls but my phone blocks those as well. Therefore I am requesting ALL communication in writing. I also informed them I had no further interest in talking to them and am sending them a cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is a general and ongoing problem with XXXX XXXX XXXX. I have 2 credit cards with them trying to rebuild my credit. 

The payment for one of the cards is the XXXX of the month. They charge a late fee on the same day of {$25.00}. They state that the bill is due by XXXX XXXX eastern time. 

I have had a " real '' credit card that offers grace period before late fees are applied which is customary, certainly not charged the same day the payment is due. 

I find this strict billing on cards that are designed for the poor, trying to get back on their feet predatory lending and an effort at forced profit from the poor repulsive. I am reporting this on behalf of every person who is surprised how challenging it is. 

Its bad enough they carry the highest interest. 

Please consider holding these lenders accountable and at the very least support legislation to reel in this repugnant behavior. Reminds me of XXXX XXXX XXXX daily deposit vs payout scheme. Something needs to be done about this. 

Thank you!

Company response to consumer: Closed with explanation