vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On Friday, XX/XX/XXXX around XXXX a XXXX XXXX from XXXX XXXX called my mother and threatened to further escalate his attempts to collect on a past due credit card payment. He has also called other family members and disclosed that he is attempting to collect a debt. I called XXXX, a debt counselor, to assist me in managing my debt and they recommended I file a complaint. They said anyone calling to collect a debt may only ask if I am there and how to reach me, not disclose that they are collecting a debt and certainly not to threaten further escalation of said attempt to collect upon this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Started with loan modification XX/XX/XXXX, have faxed and faxed and faxed, and SPS always says need something else! Example, first need information from a rental, faxed, then by the time that is faxed, now need updated bank statements, have called once a week and always something new! So paperwork sent now SPS needed a verification of mortgage for another property, ask SPS relationship manager XX/XX/XXXX said need P & L or V O M? Have sent both, the VOM was emailed XX/XX/XXXX and faxed and again emailed and faxed XX/XX/XXXX! Then get a letter dated XX/XX/XXXX said was  never sent! ( SEE PROOF ) Said had to disputed so emailed and per letter says have to mail! HAVE PROOF ENCLOSED! This is just 2 proof of how un-ethical and reason not to approve modification, especially since and option arm loan that banks do not offer anymore! Have requested an re-review SPS said too late told them XX/XX/XXXX that paperwork was sent in per there request! This is just one of many items i have proof of! They will refute the complaint but have PROOF of many and this ONE particular proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. 

I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. 

I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. 

Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. 

Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. 

I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Maximization Group, Inc.
State: PA

Complaint narrative:
I received a bill from XXXX XXXX Acct # XXXX in XX/XX/XXXX and made payment arrangements which are current and never late and in good standing. I spoke 3x to an XXXX  rep ( last to a supervisor named XXXX on XX/XX/XXXX ) who stated the above and said I do not owe any money nor was I referred to AssetMax a collection agency. XXXX also stated they do not use this agency. The account # for the amount owed to XXXX is the same as the account # for AssetMax. XXXX advised me to ignore the 3 letters I received in the last week from AssetMax. I called AssetMax and was told I owe them money for the balance of the XXXX XXXX   performed at XXXX ( same date of service and same amount ). Aria gave me a number XXXX XXXX XXXX to XXXX XXXX who has access to the same system and said I'm in good standing w/my bill. They advised me to ignore the letters received from AssetMax. I'm already paying this bill and in good standing. It's illegal to collect twice on the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
XXXX XXXX continues to send me notice that I have a payment past due. I have direct debit, money was not properly applied to my account on their end. I contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. There is not a XXXX representative following through on my issue and I need to start at the beginning with every call. I get a different details about how they are managing my payments with each call, and this is still unresolved, not my fault, and potentially damaging to my credit! On XX/XX/XXXX I requested a callback when my payments had been properly distributed on my account and the second level rep promised she would personally make that call, more than a week later FedLoan servicing failed to call but according to my conversation today something was done to redistibute funds on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX  balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed the referenced Chapter XXXX Bankruptcy with credit report of XX/XX/2018 and your report shows the items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has allowed my personal information to be compromised. They need to be shut down. They need to pay out every penny of their worth back to the people they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of 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 non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 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: TX

Complaint narrative:
I have disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : 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 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing now in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX  ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I stopped receiving my monthly mortgage statement. I called in XX/XX/XXXX to have statements emailed to me. Never happened. I have called every month since ( 5 months ) and promised it would happen but nothing changes. I asked two months ago to go back to mailing the statement. Nothing changed. XX/XX/XXXX I called to talked to a supervisor or manager but none were available. I cOmpromised I would get a call either that day or the next business day. No phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. 

One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
Had an Apartment Debt with XXXX XXXX in XXXX, Ga owned by XXXX. Paid for deletion XX/XX/18 to XXXX XXXX XXXX XXXX Said it'll be deleted by next month reporting. Still on my credit. More Hunter Warfield is reporting on my credit with the same debt. XXXX XXXX said they never received payment. Called XXXX XXXX back, they said they submitted twice to be deleted, won't let me speak with a manager and extremely rude. This has been ongoing for 2months when clearly I paid to delete. Hunter Warfield won't delete because they said they didn't get the payment the other company did. Called back to XXXX XXXX XXXX and XXXX XXXX was entirely rude. Wouldn't transfer me to anyone else or a manager, escalated her voice both times I've called, and was very chastising.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a hard inquiry showed up on my Experian and XXXX  credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX XXXX that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called Experian and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with XXXX because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring 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 non-monetary relief