vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My mortgage was sold to XXXX from XXXX XXXX XXXX. Loan number XXXX. Now the service of the loan originally done with XXXX has a fixed rate and no adjustment and max late fee of {$28.00}. I get my XXXX check on the second Tuesday of each month and make my house payment. Now this is being mail to different services address so I have no idea when they receive it. This company Shellpoint is attempting to charge some fee over {$500.00} for late. They need to follow original loan. And have only been with them for a few months but major problem with amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My husband died this year. I sent the attached letter to Equifax because I wanted a freeze on his credit and I wanted his credit report marked as deceased so it could never be used fraudulently. They told me to include 2 forms of id for me and my husband, so I included copies of our driver 's licenses and passports. I aslo included his death certificate. I called today because I had not heard from them. They told me that I had to send all the information again along with a power of attorney in order to get a reply from them. Like they don't keep a file of anything. This is ridiculous. We want to reduce credit fraud. It should be much easier to report a person 's death. The credit bureaus should accept a notice from the funeral parlors. If social security accepts a notice from the funeral parlor to stop payments, why can't credit bureaus have an easier process to prevent thieves from stealing a dead person 's identity. It is also ridiculous to require a power of attorney before informing a spouse that her deceased husband 's credit account is secure. This is an issue that should be addressed by the government. Protecting the deceased from identity theft should be an authomated process and should not require multiple communications with each credit bureau and lack of cooperation from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Avant Credit Corporation
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.

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 2019-10-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was a member of the government shut down, I asked that late payments be removed due to that fact. Comenity Bank denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was a XXXX XXXX  service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from IC Systems for {$370.00} for XXXX. I disputed the charge again by calling IC Systems. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from IC Systems for XXXX. I contacted IC Systems by mail disputing the debt and making the same statement as I did in my letter to XXXX. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by IC Systems for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.

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 2019-10-02 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: NY

Complaint narrative:
Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I also answered phone attempts by XXXX XXXX during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company of Experian in my credit report has a one collection debt that I have paid already since two years. This is the only credit company bureau that has it in collection also they has in my credit a lot of information that it damage my credit. Right now, I am consolidating debt that is why appear that I don't pay but I do payments with the consolidation company and Experian is the only who damage my credit putting inside of my credit a lot of details that is damage my credit and it is unnecessary because they know I am consolidating debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
I have attempted to contact the following bureaus Equifax and XXXX  regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX 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 2019-10-02 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX  denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: MO

Complaint narrative:
On XX/XX/2019 I mailed a debt verification letter to Equifax and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
12 yrs ago I started paying in my loan to navient. Originally it was Sally mae. I was always offered only a forebarence. As much as I have paid my loan should have been paid off. The amount never decreases. Multiple times I've made payments that they did not receive and I refused to pay again which caused extra fees. Sometimes I even paid it again just so I don't have them telling me I'm a lier. Everytime I try to pay a little more after finally being offered the based on income and family size they raise the amount of the monthly bill and don't even tell me when they do and they change the due date without even telling you about it. In the end it's always my fault. I swear this should have been paid off by now after paying for over 10 years for a XXXX XXXX XXXX loan. I only went to school for less than a month because I felt the school was scamming me on my education. The teachers just slept and put on movies!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I ised weong password to many times for my account my iphone is hroken so can do recovery with icloud email, i try to call snd it says you are pementaly suspended refer to email but i cant with broken phone and i cant get anypne on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. PENTAGON FCU with ACCT #  XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-10-02 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:
After being hospitalized from giving XXXX to my XXXX  via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX  XXXX 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 2019-10-02 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:
After being hospitalized from XXXX  XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
After being hospitalized from XXXX XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX  XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX 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 2019-10-02 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:
I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected 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 non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.

Company response to consumer: Closed with explanation