vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Blue Cut My Credit Line From {$5000.00} to {$2400.00} For no good reason other then I happen to use my card a little more in a 2 Month periot then in had in the Passed .only to do work on my new condo This I belive Is a discrimination of my credit line and my personal life. 
By doing this American Express has cause my credit score to drop 60 Points ... 
Please note I have made my mountly payments on time all the time other then one time when my secetery used the wrong bank to make a payment was returned I noticing the problum I immediately rectified the mistake then made another payment the very next day. 
I will always cotunnue to make my monthly payment on time all the time And be a loyal card member to bad American Express Blue cand do that in return ... 
Point of information : I have double to trippiled my required monthly payment more then once and for this Im rewarded by having my credit line cut.. 
Not Fair.. 
I have closed this account but however the dropping of my credit line still remained on my credit reporting history causing my balance to credit line to go over 30 % and its because of that my credit score to drop Big ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
An ACH debit was made from my account in the amount of {$330.00}. I was charged an overdraft fee of {$36.00} and then another {$36.00} one the item was reversed. I visited the bank and was told the overdraft fee could be charged while the item was pending and the reversal fee could be charged when the transaction is denied. This is a total of {$72.00} for one transaction. It seems like double dipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: NM

Complaint narrative:
Got a small installment loans. They raised their interest rates and added different fees resulting in me not being able to pay for it. This is now affecting my credit score because this is now closed and charged off in the amount of {$1100.00}. I tried contacting them multiple times to fix this issue but did not get anywhere this this company.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from XXXX. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from 2005 and has been transferred twice now, I would like it taken off completely.

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 2019-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter dated XX/XX/XXXX, signed by Mr. XXXX XXXX, Wells Fargo Merchant Services, Executive Office, stating that my merchants account ( ending in XXXX ) was cancelled ( see attached ). His response was relating to former CFPB complaint number XXXX filed by me earlier in XX/XX/XXXX. Since then I have received multiple emails suggesting that my merchant account is still open with the latest dated XX/XX/XXXX ( see attached ).

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am in the process of putting in a new heat pump for the home as it went out. I went through the XXXX XXXX program. I applied for the XXXX XXXX XXXX Account on XX/XX/2019 that is issued by Citi. 

I completed my application and submitted with my new address where the heat pump will be going into as I recently purchased that home on XX/XX/2019. I did not put my current address as I have put this house on the market and in the process of moving. The screen let me know that additional information was needed. I called same day XX/XX/2019 and spoke to XXXX. He was asking me to verify my current Citi Card by providing the CVV code as a step of authentication which I did. 

I informed XXXX that I have an initial fraud alert on my credit report and understood the verification process. The fraud alert consumer statement stated to contact the applicant at XXXX to verify prior to issuing credit as I placed this alert when XXXX XXXX data was compromised and I was part of that breach. 

XXXX informs me that my credit application was denied because of the consumer statement on my credit report. I asked to escalate to management because under FCRA regulations, as a consumer I am allowed to protect my credit and creditors I deal with have the obligation to verify me as the person applying. I was transferred to XXXX, a member of management whom simply stated that Citi guidelines state that I needed to contact XXXX regarding information on my credit report. I asked if my denial was credit related and she stated no because I know it would not be credit related as I just made a home purchase on XX/XX/2019. I asked for clarification and explanation as manager was very vague and stated that information she could provide was very limited. I was perplexed by this because I am calling from number on credit report fraud alert and they could have picked up the phone to call it as well to verify as the consumer alert states, but they rather just create a guideline that is restrictive to obtaining credit and against FCRA regulations. She then stated that I would be put on hold while she could see what she could do, then the call was disconnected on Citi 's end. I tried getting back to XXXX XXXX XXXX phone number I had just dialed but I could not bypass the automated queue as my application was denied and speaking to anyone was not an available option even when hitting 0. 

I want to make this formal complaint against Citi for borrower discrimination against FCRA regulations when it comes to placing an initial fraud alert on credit report as I am allowed to. There is no freeze on the credit, simply an alert for creditors to verify.

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 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I have a debt collection for medical services that I never used. The medical account is being reported under derogatory status. I have never visited this facility for any matters. I have no knowledge to how this debt appeared on my credit reports.

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 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lazega & Johanson LLC
State: NJ

Complaint narrative:
I received an email from my employer on XX/XX/XXXX with a summons for garnishment that was filed by Lazega & Johanson LLC, a debt collector. The summons mentioned a defendant who has the same name as me but living in Georgia at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The summons had however last four digits of my SSN. The summons also mentions a co-defendant who I do not know. 

I have never lived at this address nor have I ever owned this or any other property in Georgia. Since XX/XX/XXXX, I have lived and worked in New Jersey. 

The summons has a total garnishment claim of {$5100.00} made on the behalf of the plaintiff, XXXX XXXX XXXX XXXX XXXX whom I have no dealing with nor owe any monies too. 

I informed both, my employer and Lazega and Johanson LLC that I am not the defendant and my SSN is fraudulently used in the summons. 

I have provided a copy of summons and my affidavit.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: CT

Complaint narrative:
RE : Innovis Credit Agency Dear CFPB : I called Innovis to request a copy of my credit report. I received my credit report on XX/XX/2019. After reviewing my credit report, I spoke to a representative on XX/XX/XXXX in regard to my name listed with a middle initial. I do not have a middle initial on my name. 

In addition, Innovis had listed an old address as my current address and an old phone number that was previously deleted. Innovis reported an old address, incorrect name and phone number. 

When I questioned why my address and personal information was incorrect the Innovis rep said, " we get this information from your creditors ''. I said that's not true and my personal information was reported correctly and you changed it. 

After further investigation, On XX/XX/XXXX I had applied for a credit card of which I didn't receive until months later because the creditor pulled the Innovis report and found an incorrect address and sent the credit card to the old address which was returned to them. 

Innovis had failed to maintain accurate address information and transmitted inaccurate name, address and phone number to my bank. A requirement of the Fair Credit Reporting Act. 

Innovis failed to conduct reasonable investigations/disputes concerning on of my accounts that was not reported accurately. Innovis failed to complete investigations/disputes. 

I am submitting this complaint to the CFPB to notify Innovis that any continued violations of the FCRA will lead to a civil lawsuit. 

I take this matter seriously. Credit reports inaccuracies are one of several potential privacy violations and personal information mistakes are FCRA violations. 

Please send my complaint to Innovis, I will be in contact with them regarding other matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CITICARDS CBNA with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
This is an inquiry more than a complaint. I accepted a 0 % promo rate for 12 months. I asked the credit card company to send me something in writing to confirm the final date for paying off the credit card at the 0 % rate. They said they can not send me anything in writing. The expiration date doesn't appear on my monthly statement. Aren't they required to at least put the rate expiration on the statements? Is there any law that says they can't send me something in writing to confirm?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a dispute for a charge of {$540.00} in XX/XX/XXXX for merchandise that I never received. On XX/XX/19, Citi APPARENTLY sent a letter indicating that the merchant had responded. I say " apparently '' because they certainly didn't send ME the letter as I never saw the letter. In looking on Citi 's  website in an obscure and hidden area, I have now found the letter that they are claiming they sent me. 

In it, is enclosed the merchant response, which is essentially blank and does NOT include tracking information of any kind proving receipt of the merchandise. They reversed the conditional credit anyway. When I contacted them today, I spoke with XXXX ( a supposed supervisor in the Kentucky call center with employee ID of XXXX ) who indicated there was nothing further they could do and that the case was closed. 

I indicated my outrage as to how on earth they could accept a response from a merchant WITHOUT any proof of tracking number or merchandise delivery, when the very NATURE of the dispute was merchandise not received. It fell on deaf ears and now I'm stuck paying for merchandise that I never received. I'd like something done about this if at all possible.

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 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for an outstanding balance due to medical services. I have never had services performed with this particular network provider. Nor do I recognize the charges that were made. This information is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I have been a customer of PayPal since XX/XX/XXXX. Never had an issue. 

10 years on, they demanded more documentation to verify my identity, claiming authority under the Bank Secrecy Act. I proved to them that they were only required to " know their customer ''. They restored my account. 

In early XX/XX/XXXX I started to have issues with transactions. I discovered that PayPal is 1 ) dictating to sellers what items they can sell and 2 ) blocking my funds from being used if any item in a cart is not in stock. 

The seller was unable or unwilling to challenge PayPal after I authorized them to take ~ {$70.00} from my account and send me my items ( vitamins ). 

I waited weeks for this be resolved, but eventually was forced to call PP. I was on the phone negotiating for two hours, after a 35 minute wait. 

The issue is the same as in XX/XX/XXXX. They have locked my funds from going out, but they don't care if funds go in. They demand documentation that I can not provide. This time they are citing the Patriot Act.

I researched the Act and discovered that these verifications apply only to " new accounts ''. 

PayPal has stolen my funds. They will not allow me to buy or transfer. They refuse to close the account. 

On-line ROBBERY! 

Additionally, I documented where the balance stated was over what I knew to be actually available, which might have resulted in an overdraft, had I not been very observant. 

Additionally, the seller told me that PP will not show the cart discounts until after the transaction is authorized. This could potentially cause an overdraft, requiring a backup method to fill the gap, when there really isn't one. Either way, PP benefits as they have a guaranteed positive balance. 

I would appreciate an opportunity to discuss these details with an investigator. PP needs to be brought into court to get these thieving practices stopped soon. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
I am eligible for the PSLF Program. In the fall of XXXX, I submitted documentation to XXXX XXXX   but have still not received a status update despite reaching out to them numerous times. Each time, I have been told they are still working on going through the records. By my calculation, the first of my loans should be " forgiven '' in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARVANT FINANCIAL LLC
State: MD

Complaint narrative:
I filed a chapter XXXX bankruptcy and included Carvant Financial. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the  information is true and they have not done this, they only accepted what the car dealer has given them which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax consistently shows my credit scores at least 23-30 points lower than the other two agencies reporting scores. XXXX shows XXXX, XXXX  shows XXXX and this creates large problems for me when people look at my credit scores. I have been given bland, hard to understand answers from other people as to why they do this. I have heard from friends who experience the same problems of them showing lower scores. I just want them to show consistent scores like the other agencies and stop putting my scores at the bottom. This is totally discriminatory and causing me problems. 
I never liked this scoring issues to begin with, it pits you up against wealthy people and upper class people, I am struggling to clean up my record and they are hurting my chances in doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Complete Credit Solutions, Inc.
State: IN

Complaint narrative:
A collection from Complete Credit Solutions was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. Complete credit solutions stated that they would delete the collection from all 3  credit bureau reports. However, Im showing that this account has not been 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 2019-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient refuses to issue a paid in full letter. They refuse to let the creditors know the account is paid in full and closed. When I call they tell me to give them another 45 days and this isnt right. Im thinking theyre trying to accrue interest in the mean time.

Company response to consumer: Closed with explanation