vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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: TN

Complaint narrative:
OnXX/XX/XXXX, I sent a dispute letter regarding the inaccurate bankruptcy on my credit report. Equifax investigated and removed it from my credit report. A few days later it was added back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that if I paid a portion of my bill the rest would be listed as settled in full. I paid the amount on XX/XX/XXXX. I received my credit report on XX/XX/XXXX. My report states that I paid only a portion and that I need to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
My final payment was due on this loan on XX/XX/XXXX. Big Picture Loans presented a debit to my bank for less than the amount of the final payment. Then they began calling, emailing and harassing me onXX/XX/XXXX telling me my loan is late and I must call to talk with them. I called and got absolutely nowhere. Their agents barely speak English and just say they can not help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC.
State: PA

Complaint narrative:
A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX  after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX  costs which is the bill being disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had previously submitted the following complaint against Navient : XXXX I was informed that the reason they were unable to qualify my payments to the Public Service Loan Forgiveness was because it was made in the wrong repayment plan, Graduate repayment plan. With the new congressional bill signed it appears my previous payments are eligible for the PSLF. Can you please request Navient to review my account in order to report to XXXX XXXX XXXX my current lender. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A so called magazine debt collector called me telling me that I order magazines and that I have 30 months left to pay {$19.00} a month. After doing some research on this company they are a fraudulent company taking money from people. Which i have not subscribed to any sort of magazine. Now this company XXXX XXXX XXXX XXXX is withdrawing funds from my account. When I spoke with them they would not tell me what magazines a I order then they told me to answer a few questions and then they told me I had to pay it. I dont what to do. So far they a have withdrawn from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I cancelled my application before the credit check and they checked anyway knowing I refused it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: TN

Complaint narrative:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Letter sent to Diversified Consultants requesting verification of the account belonging to me. ( Ex. Documentation bearing my signature ) Response from company was an invoice which is NOT verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2017, I received an email from XXXX XXXX that stated " Spend {$5000.00} between XX/XX/XXXX XX/XX/2017 and get a {$150.00} bonus statement credit for purchases. '' I spent over {$5000.00} within the allotted time period and have not yet received my credit, despite meeting all of the conditions. I have tried requesting several times through chat on their credit website to resolve the issue, but the issue has not been resolved.

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 monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I added money to my PayPal account and later went to atm to withdraw funds. The funds never dispensed. I contacted PayPal XX/XX/XXXX they stated they would have to file a dispute and provisional credit would be given. Once they provided the credit they limited my account on XX/XX/XXXX said I would have to wait 180 days to get my money. I called XX/XX/XXXX to try and see if the hold could be lifted early because I am going through a hardship and really needed my money. The agent said no in case a customer has a dispute I informed her there was no customer interaction on my account I personally added those funds via cash at my local XXXX so who would be disputing Me. As of today XX/XX/XXXX the credits are final and no longer a provisional credit and I would like my funds released as soon as XXXX   because its my money!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

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 2018-04-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I cancelled my application before the credit check and they checked anyway knowing I refused 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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low. 

My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had 1 hard inquiry on my XXXX Credit Report on XX/XX/2018. It is listed as XXXX from XXXX XXXX XXXX XXXX. I believe this is from XXXX   Credit.

The company pulled a hard inquiry without ever informing me in advance. 

In addition, my first name is written incorrectly in the billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingUSA
State: FL

Complaint narrative:
On XX/XX/XXXX I called Lending USA my personal loan and spoke with a guy who was extremely rude and was having a hard time processing my payment correctly so I asked for a supervisor who I forgot his name to help me to make my monthly payment of {$110.00} like I always do without such a hard time as this day he was able to process the payment. 

On XX/XX/XXXX I check my bank and I see that they refunded the {$110.00} back to my account on XX/XX/XXXX so I called Lending USA to make yet another payment and spoke with a lady who was laughing about the money being refunded back into my account and the payment of {$110.00} was charged again. I unfourtunately do not remember names until the end where Ive been getting super frustrated about something that is not my fault because they are doing something incorrectly on their end. 

Four days ago I believe I received a call from Lending USA his name was XXXX telling me I was late on payment I advised him this is incorrect my payment was processed again on XX/XX/XXXX and I didnt get a refund back like before he tells me I have to email my bank statement as proof so I do and he said it will take two days to process. Everyday I keep calling for an update I have even spoke to supervisor XXXX and on XXXX XXXX tells me that yes the payment is there on the statement but that it pretty much got lost in their system to call XXXX and dispute the charge and then give a call back to process yet another {$110.00} payment as I did on XX/XX/XXXX. I call XXXX spoke with the claims supervisor they tell me theres nothing they can do that the charge cant be disputed because Lending USA already took the payment so while I have XXXX on the phone I call Lending USA which I spoke with a girl because XXXX wasnt available and XXXX tells them they cant dispute the charge since they took the payment and the girl just tells me they have to escalate this yet again she said it will take a couple of days when its been almost a week and they cant find my payment anywhere in their system and its clearly in my bank statement and cant be disputed. Im afraid I will lose this money and have to pay them twice the amount that I usually pay for a month for this loan it would be like theyre stealing {$110.00} from me just because they lost it somewhere in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Closing Bank info/relationship : XXXX XXXX  CREDIT CARD openedXX/XX/XXXX limit {$27000.00} BUSINESS INK CARD opened XX/XX/XXXX limit {$15000.00} paid in full and closed it reopened XX/XX/XXXX limit {$20000.00} PERSONAL CHECKING opened XX/XX/XXXX PERSONAL SAVINGS opened XX/XX/XXXX BUSINESS CHECKING opened XX/XX/XXXX BUSINESS SAVINGS openedXX/XX/XXXX All in good standings Shutdown all accounts was told they were terminating relationship and closing all accounts no further explaination available Tried calling customer service and given another number to call. Called that number and was told company policy is no reason needed to be given. Asked if can speak to someone to help and keep accounts opened was told could not. XXXX  SCORE Personal Info : XXXX : 750 # of credit lines opened in last 12 months across all banks / total credit lines : 3 Overall utilization across all credit cards as currently reported to the credit bureau : 10 % Total Percentage of CL to Income at the bank that shut you down : 18 % { Optional } Total debt ( student loans, mortgage, personal loans, etc. ) :11k MS Activity : 0 List all methods of MS used : None List volume of MS in the last 30 / 90 / 180 days : None Do you cycle your credit limits? No Have you deposited money orders into a bank account that you have with the bank who shut you down : No How do you usually pay your credit card bill? Online banking Have you changed the method by which you do so recently? No Ratio or percentage of MS compared to organic : 5 % Spending Behavior / 'Consumer Profile ' : How much organic spend were you putting on cards issued by the bank who shut you down?

I dont even know what that means but I just shop normally and only use my credit cards as needed or big purchases.

Have you ever sold the bank 's points to someone else? No Have you filed multiple chargebacks with the bank in the past 12 months? No Has this bank ever taken adverse action against you before? No Has any other bank? No Have you in recent history significantly increased or decreased either the level of your organic spend or MS ? No Do you have any new derogatory marks on your credit report? No Are you sure? Yes Have you checked since you were shut down? Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: GA

Complaint narrative:
I am the victim of identity theft. I followed the procedure of using your FTC affidavit and obtained a report from the police department and Equifax and XXXX are not following the law ( 15 USC ) regarding identity theft. I am former XXXX ( just not practicing ) and am aware of my rights. 
There are erroneous things on my report. I have never had any involvement with any bankruptcy and have submitted the police reports to XXXX, Equifax and XXXX XXXX, who was the only C.R.A to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a master card issued by the Bank of America, that I have been using over 15 years since XX/XX/XXXX. Throughout those many years, I never missed a payment each month while using the card. With a good performance in use and timely payments, the card 's total credit line was quickly increased to {$38000.00} and kept at that level until recently. 

It was just months ago in XX/XX/XXXX that, without an explanation, the Bank of America first time in 15 years reduced my card credit line to {$37000.00}. Then, suddenly last week, the Bank of America, again without any explanation ( not even a notice! ) cut down my credit line to one-seventh down to {$5700.00}. I was shocked to find such a drastic reduction. Furthermore, there was no reason that I could think of or provided by the Bank of America. 

I happened to find that sudden, shocking reduction of my credit line by the Bank of America when I logged on to its website on XX/XX/XXXX for online banking. Upon finding, I called the Bank of America and was told by its representative that the cutdown of my credit line was made as of XX/XX/XXXX. When I demanded a reason or explanation, he had no idea. After making a long pause with the phone line on hold, he came back and told me simply to call TransUnion. That was it. When I asked him whether a letter or notification was ever sent out to me about the matter, he initially said no, then changed to yes. But, later, he admitted that there was no letter or notification sent to me regarding the matter. To date, XX/XX/XXXX, I have not received a letter or any form of communication by the Bank of America regarding its drastic cut-down of my card credit line. 

As suggested by the representative, I reviewed my latest credit report by TransUnion later but found no change, other than the Bank of America 's incorrect reporting on my mortgage payments made to it, which is listed as " adverse account '' as the result. The Bank of America also made incorrect reporting on my monthly payments to its credit card. 

This is an unacceptable business practice and abuse of power by the Bank of America over small customers like me. Its unjustifiable, sudden, drastic cut-down of my card credit line has already caused some damages to me. It also negatively affects my credit scores by credit agencies, which will have negative ripple impacts over time. The Bank of America should be responsible for all the finanical damage and emotional distress it has caused with its unjustifiable, sudden, drastic reduction of my card credit line. 

I can provide any documents related to my statements above.

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 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.

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