vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX   XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX  XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor.. 

My address is XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hammerman & Hultgren, P.C.
State: AZ

Complaint narrative:
Hammerman & Hultgren had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Residential Bancorp
State: CA

Complaint narrative:
In XX/XX/XXXXof last year I was offered a FHA HAMP 3 month trial starting XX/XX/XXXX. I signed the trail agreement and paid every month. I was told over the phone XX/XX/XXXX that I was approved for the permanent modification and that the paperwork was backlogged and to continue making payments, which I have every month. 

The only written communication I've received from them until today, besides monthly statements, was just two days ago, a notice that I did not qualify for the repayment plan. Today I received a notice of trustee sale with an auction date. I called the company immediately and was told there was nothing they could do as the file had already been given to the lawyer. 

They contend that they attempted to contact me via phone. Though I've given them the correct phone number several times this year they apparently called my wife 's phone number, which was no longer in service after XX/XX/XXXX due to changing providers. They never requested additional information from me in writing, either by mail or via email, which they had always done in the past. They did not notify me in writing that I did not qualify for the the permeant HAMP modification. 

Further, they close at XXXX in my time zone, with hold times over 45 minutes. They do not call back when I'm disconnected. I've been trying to get through to them for the past three days and it's very difficult since they're only open on my work days.

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 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My finance requested that I place {$5000.00} in a BB & T bank in Florida to be credited to a BB & T bank account in Texas. The BB & T branch in texas refused to place the funds into the intended account in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All three credit reporting bureaus allowed XXXX XXXX XXXX to access my credit report unknowingly and without my consent, for the purpose of collecting on a debt that was for the corporate account and clearly not a personal debt nor personal obligation. To this day it has damage my credit and my ability to obtain new financing. I believe this is a scare tactic and their way of threatening me to get me to pay! Either way the client that he represents never completed the job, so theres no need for the attorney to do all that. He can simply have his contactor come back complete the job and get paid in full! It was absolutely no reason to put this on my credit report and start making hard inquiries on my credit report and damaging my personal credit report all for this! Theres clearly more professional way to handle business matters and this was a business matter once again not a personal matter!

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I open the an Bank of America Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, bank of America States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and MBNA. These are a few of the know debt collectors using my information as tactics to defame my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXXXXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Resently, I received another letter in reference to an apartment complex I lived in. I went to court because the apartment complex never fixed my ac unit that was out for 3 months. I went to court for dispossessory action against me for this apartment complex and I disclosed to the judge about a clause in the lease. However, I lost because I signed a separate paper created by the apartment to give me concession for the time I did not pay for rent. If I didn't sign the document then I would have be awarded claim. Nevertheless, I moved in XX/XX/2013 because I was assaulted in the apartment complex by 7 people. The apartment was aware because the security officer seen it and came to help. Furthermore, management property that was originally over the property stated to me that because of the lynching incident that I have a right to leave. However, I been receiving tactic letter for settlement. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: Innovis
State: TX

Complaint narrative:
In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
I opened a new account at BBVA compass a month ago ( or less than that ), and I decided it wasn't for me, and decided to just use a local credit union. I asked a rep on social media to close the account that was open for less than a month and he informed me that it would be {$50.00} ( XXXX for checking and XXXX for savings ). I do not want to wait six months. In addition, I want my account to be closed because there are so many negative reviews for BBVA and I'd just like to stick with my local credit union. I feel like this fee is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
early XX/XX/XXXX received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. 
After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. 
I cancelled immediately right then - NEVER HAVING PHYSICALLY RECEIVED OR ACTIVATED A DISCOVER CARD I was told when I cancelled in late XX/XX/XXXX that the deposit was " expedited '' and would be received in about 10 days. I called on XX/XX/XXXX to check on a date I could expect that back and was told that nothing was done yet and they would THEN expedite the return of my money. This was the second time I was lied to about about the matter. 
I called AGAIN on XX/XX/XXXX to check and STILL nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. 
On XX/XX/XXXX I had not got any phone call - and had to make a FOURTH call to a manger in XXXX about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. 

I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been a loyal XXXX Customer for many years. I have several devices. I actually have three phones on my cellular account including an XXXX XXXX. Three XXXX ( mine, my mother 's and granddaughter 's ) a XXXX, XXXX watch and XXXX. I have had a XXXX XXXX for several years with a 1 rating at all credit bureaus. However, I just recently, received a letter from XXXX, XXXX 's go to financing company. They informed me that they are reducing my credit line due to " Derogatory Public Record or Collection Filed or Proportion of Balances To Credit Limits Too High on Revolving Accts ''. I checked the reporting agency, which does not have any XXXX XXXX XXXX on my file. As a matter of fact, no company has at this time. 
Reducing my credit limit only serves to make matters worse. It will only make it appear that I am nearer to the credit line with XXXX. I would have rather the company decide to not extend any more credit than to create this issue. This practice should be examined and stopped. I have never been late on this account. I have actually paid several balances early. 
No loyal XXXX customer should be treated like this ...

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 2018-03-22 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: TX

Complaint narrative:
In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.

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 2018-03-22 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: IL

Complaint narrative:
On XXXX XXXX, I sent by registered mail, a letter addressed to Trans Union at XXXX XXXX  XXXX, XXXX, PA XXXX. Enclosed was a letter of dispute and a XXXX ( attached ) said letter was delivered on XX/XX/XXXX, at XXXX am per XXXX  Tracking ( attached ), The reason for the dispute was that XXXX XXXX was reporting The balance of {$1900.00} which I had disputed several times in the previous months with no avail, now that I received the XXXX in XX/XX/XXXX, I thought I would re-dispute with written proof, needless to say this was not the case. On or about the XX/XX/XXXX I received from Trans Union the investigation results dated XX/XX/XXXX, ( attached ) the results read " VERIFIED AS ACCURATE AND UPDATED '' showing a balance of {$1900.00}, even though the XXXX for {$1500.00} was sent from XXXX as well as sent to Trans Unions attention. Previous disputes where where " VERIFIED '' in the same fashion and with the same end results, another issue is the date of the identifiable event on the XXXX is dated XX/XX/XXXX, nearly a year prior to my disputes and XXXX still refuses to verify the correct information to Trans Union as well a the other two ( 2 ) remaining credit reporting agencies when asked to verify. Trans Union was furnished proper documentation and refused to update with documented proof and instead relies on undocumented press of a button.

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 2018-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.

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 2018-03-22 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: FUTURE FINANCE COMPANY
State: IL

Complaint narrative:
To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to XXXX in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XXXX that they sent a letter to XXXX XXXX and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

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 2018-03-22 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: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

Company response to consumer: Closed with explanation