vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: VA

Complaint narrative:
Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P.
State: WA

Complaint narrative:
I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. 

In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. 

I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: CA

Complaint narrative:
I disputed with Experian, XXXX & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

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 2018-01-16 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: MD

Complaint narrative:
I discovered around XX/XX/XXXX that XXXX XXXX XXXX XXXX was reporting a Line of Credit loan in the amount of {$12000.00} on my Experian, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my Experian dispute result on XX/XX/XXXX which XXXX XXXX reported to them that they were reporting it correctly. I called XXXX XXXX and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the 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 2018-01-16 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: TX

Complaint narrative:
cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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:
I disputed with XXXX, XXXX & Transunion the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

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 2018-01-16 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:
I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation sent po report from hpd inaccurate information on credit report no knowledge of 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 2018-01-16 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: TX

Complaint narrative:
cra violation sent po report from hpd inaccurate information on credit report no knowledge of 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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
This is a followup complaint to my previous complaint XXXX. 

Regarding my previous complaint XXXX, I appreciate Freedom Mortgage 's prompt response and their acknowledgement of their error made with my account. After consulting with my accountant, the estimate of {$300.00} was lower than the actual taxes I will need to pay as a result of Freedom 's error. The property tax payment made by Freedom Mortgage on XX/XX/XXXX was {$3300.00} and I am minimally in the 25 % tax bracket for XX/XX/XXXX. Freedom 's payment error will cost me {$840.00} in extra federal taxes for the XX/XX/XXXX tax year ( XXXX x {$3300.00} ). Given that Freedom has already sent me a check for {$300.00}, I am requesting a second and final payment of {$540.00} to pay for taxes I will need to pay as a result of Freedom 's error. Please feel free to contact my accountants, XXXX, XXXX and XXXX to verify this information. Their website is XXXX XXXX XXXX and email for XXXX XXXX is XXXX. 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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX XXXX cashier pushed me to open a credit card. But never gave me a physical card or phone number on how to pay off the card. No guidance on how to set up the account. They called on time for a payment and thought they 'll just call me to collect. But the second purchase I made they did n't call until it was too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I am writing to request the correction of Barclays ' credit reporting on my credit card account. 

The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it  impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history. 

I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections. 

Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.

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 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
There was a simple mail issue with XXXX in 2011. Whether they never sent the statement or the neighbor with the identical address as mine on the other side of the circle ( XXXX XXXX XXXX ) got my mail and did n't return it, I never received it. Once I was aware of the debt, I paid it in full. 

I assume somewhere around the same time period, XXXX XXXX XXXX who is now under the name of Revenue Assurance Professionals, bought the debt. Well when they contacted me, the debt was paid to XXXX so I would n't deal with or speak with them. XXXX  2011, they hit my credit for the debt. I disputed it and although they removed the amount, they have continued to report it and still reports it today. I never did business with them and they have no right. I paid my creditor and remain in good standing with them. My credit is great and I am a responsible adult as noted with my payment history. This is wrong and they are bullies. I have made numerous attempts to contact them and dispute it ( they were beyond rude ), I have disputed it with credit agencies and they still leave the debt, and I have written the FTC to no avail. I even tried to BBB and that did no good. If you look up their original name, you will see all the bad reviews and complaints all over the internet. This company should be ashamed of themselves. Go after someone trying to get over, not innocent people like me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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:
This is a formal complaint against Experian located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon

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 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I can not deposit funds from my XXXX account into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon

Company response to consumer: Closed with non-monetary relief