vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX  XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX  XXXX/ XXXX  and also under XXXX  XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX  or XXXX XXXX/ XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: SC

Complaint narrative:
On XX/XX/2018 this letter was sent to Transunion and received via certified mail on XX/XX/2018. The first sentence on the attached document stated THIS IS NOT A DISPUTE however Transunion used this document for a unrequested dispute that Transunion verified as accurate information instead of a request for Method of verification. As of this day XX/XX/2018. I have NOT received the requested information and Transunion continues to verify the XXXX account # XXXX as accurate without providing copies of contracts bearing my signature or the information of the contacts they spoke to that continue verifying this inaccurate information. This is evidence that Transunion is violating guidelines of the FCRA in fair reporting. Please consider all the complaints about Transunions unfair reporting and consider class action legal action on consumers behalf.

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 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from TransUnion on XX/XX/2018 I noted a report called XXXX XXXX # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from XXXX XXXX. 

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.

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 2018-11-29 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: VA

Complaint narrative:
I joined Experian to run a credit report for all XXXX bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the XXXX bureaus, however, Experian and XXXX both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' XXXX even states that I had a serious late payment XXXX year and XXXX month ago, however, they could not tell me which account it was. 

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those XXXX bureaus. 

I have attached the XXXX reports and a screenshot.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I needed to purchase a pair of XXXX XXXX, and I located Care Credit, through CareCredit, Synchrony Bank.

They offered me a promotional rate for one year ( no interest charged, if paid in full in the one year ). However, as XXXX  are expensive, I could not afford to pay the amount in the one year specified time. My balance, as of XX/XX/2018 was {$2300.00}. However, on XX/XX/2018 I was assessed interest of {$1000.00}, making the balance owed, {$3200.00}. I tried to take a loan, but it was not possible ( I have been given an additional month to make full payment of the {$2300.00} ). The interest rate is 26.99 percent. This would seem totally in appropriate for a needed medical device for someone who is XXXX years of age.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received several notifications from XXXX informing me that XXXX XXXX   has taken back several payments from them from fraudulent purchases made on the XXXX store card ... now XXXX is informing me if I dont pay for those purchases my account will be closed whats even more annoying they decided to wait until they received my XXXX XXXX payment to all of a sudden to make this decision .... I have submitted my police reports with all the credit agencies and the agencies have then reported the information to all creditors ...

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 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AR

Complaint narrative:
My name is XXXX XXXX on XXXX I lost my home to a house fire. I have an FHA mortgage with Flagstar Bank in the amount of {$78000.00}. My home was declared a total loss and my insurance company XXXX XXXX has paid the available amount of the insurance policy {$190000.00}. As required by law, " I have been told '' the checks have made to me and the mortgage holder Flagstar Bank. I have signed the checks and forwarded them to Flagstar Bank. Construction began in XX/XX/2018 and has been completed as of XX/XX/2018. Flagstar Bank was notified and a request for the final inspection was made at that time. To date I my property has not received a final inspection. Flagstar refuses to release any of my money. Flagstar is holding Approximately {$60000.00} of my money. I owe contractors and suppliers and stand in danger of having leans placed on my property because of my inability to pay my bills. Flagstar Bank collects my full mortgage payments even though they have never made {$6000.00} of that mortgage available. They are withholding payment for the general contractor n excess of {$31000.00}. Flagstar is withholding my recoverable depreciation in excess of {$18000.00}. From the beginning to end they, Flagstar Bank has used delay and bait and switch tactics to with hold of refuse payment. The latest example of this behavior is switching property claims processing companies the day after I requested a final inspection. This isn't unexpected. Sadly this fits the pattern I have experienced through out the entire process of dealing with Flagstar. They constantly claim they are not in receipt of documents they have previously claimed were in their procession. Flagstar computer malfunctions and makes it almost impossible to resubmit the documents they claim they don't have. Wait times on the phone exceed one hour and have been as long as one hour and forty five minutes. Employees have picked up the line that I was put on hold and asked me, " are you still there '', then they hung up on me. 
I am seeking your assistance in receiving being all $ funds being held by Flagstar Bank in the matter Property Loss Claim XXXX XXXX XXXX , for XXXX XXXX for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX Arkansas XXXX. I can be contacted at XXXX XXXX XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. Please keep in mind that this is an urgent matter in that I owe people money that have worked very hard to complete work on my house. Please help me to collect money owed to me from Flagstar Bank.

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 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
After going through some very difficult financial hardships I had a deliquent debt with XXXX. I had asked XXXX to communicate with me through mail only. XXXX gave my loan over to Relin Goldstein & Crane which is located at XXXX XXXX  XXXX XXXX XXXX NY. They proceeded by calling my parents in-law countless amounts of times throghout the months of XXXX and XXXX even after they were repeatedly told that I do not reside at that address. At least one of the times they disclosed that they were calling about a debt. All throughout the time they had never attempted to call or correspond with me through any other means. My in-laws asked me to contact them and tell them to stop the harrasing calls especially on weekends. I then began receiving letters in the mail that they were suing me in court. I called them and asked why they couldn't reach out to me in a civil manner and try to work out a pay off system. We finnally reached a settelment agreement over the phone but I never received any documents to support our phone conversation nor to whom I would pay the monies owed. I tried calling numerous times they failed to answer. Finnaly a week later they sent me documents on the day of XXXX eve with terms changed from the original agreement and according to new terms I would have to pay up 2 days later making it impossible due to the banks being closed on XXXX. I called and emailed them numerous times noone responded. After XXXX they called me back and said it was a typo they said since the deadline passed they would try to reach another settelment with XXXX. I still haven't been contacted with any new agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Total disputed amount on XX/XX/18 XXXX XXXX XXXX. ( BBVA compass ) Got a response today stating that " no error occurred '' however the transactions were fraudulent and I filed a police report already with XXXX police Dept and provided XXXX XXXX, with that documentation. And they still declined my claim, and refuse to reopen my dispute. 
I will contact the fdic too if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My loan was paid off by a consolidation but they keep reporting it as late on my report. I dont think it was even a federal loan but they show it as such. On the Dept Ed site it shows it was paid off in consolidation.

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 2018-11-29 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: GA

Complaint narrative:
I believe that Equifax 's algorithm needs to be audited as they have adversely lowered my credit score without any explanation other than that I can not despite my credit score. I have paid all my creditors on time and my credit score is in the mid 650 with the other beaures With the security breach that occurred I believe that they are targeting me for no reason. Please do something about this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I joined XXXX  to run a credit report for all three bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the three bureaus, however, XXXX and Transunion both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' Transunion even states that I had a serious late payment 1 year and 10 month ago, however, they could not tell me which account it was.

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those two bureaus.

I have attached the two reports and a screenshot.

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 2018-11-29 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: IN

Complaint narrative:
This is my second attempt to bring this issue to someones attention who honestly cares about the unfair student loan practices from both Sallie Mae & Navient. I am victim of these deceptive practices. 

My monthly payment was way too high, and my interest rate kept increasing. Navient simply would not work with me at all resulting in out of control interest rates on school loans which will be with me until and after I die! I have become a slave to this debt! 

When I ran into difficulties making payments, I was consistently offered forbearance, which allowed delayed payments for a set period of time. But under a forbearance plan, the loans continued to accumulate interest and has become a much more expensive option in the long run. At no time was I ever offered other repayment options or plans. 
As disclosed in the recent disclosures from the XXXX audit from the Department of Education, the agency noted the support of federal and state lawsuits that accuse Navient of boosting its profits by steering some borrowers into the high-cost plans without discussing options that would have been less costly in the long run. 
https : XXXX When I reached out to Navient in XXXX of this year, they offered NO options for me which would work within my financial responsibilities rather offering me a payment plan of over {$500.00} a month. Then, they sent me a letter indicating that my account was placed on hold until XX/XX/XXXX! Please refer to attached. 

Navient and the former Sallie Mae representatives never took the time to truly listen to my situation and would simply drop my loan into forebearance. There were a couple of times where I can honestly say that I had NOT requested this option and then, all of a sudden, Id receive an email about this. I reached out countless times to Navient to discuss. 

I am tired of the years of dealing with Navient and their XXXX they are not willing or wanting to work with the debtors. This is unfair and deceptive. I am seeking your help in fighting this against Navient and plan on filing once again with the Indiana Attorney Generals office who simply swept this under the carpet my first try. I will not stop until I receive some action on this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am having this XXXX XXXX store credit card since XXXX. 
Any time I try to create the online account for this credit card - I am unsuccessful. It's very limited time when there customer service. For the last 4 years - I have to always pay the card via telephone. 
XXXX XXXX is doing it deliberately so that I can miss the payment and then they can extract higher interest rate from me. 
I never receive the paper statements also. 

I talked to XXXX at XXXX XXXX ( XX/XX/XXXX ) at the phone # XXXX to make the payment via phone. I am not comfortable doing the payment over the phone where i need to reveal my bank account number.

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 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.

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 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
Hello, I am requesting assistance with SunTrust Mortgage ( SunTrust ). SunTrust carried the Note on our rental property at XXXX XXXX, XXXX, TN XXXX. Account # XXXX. I have requested on numerous occasion copies of paid checks for our Homeowner 's policy. Our Insurance Company ( XXXX ) is stating there is two payments which they have not received monies from our Mortgage company ( SunTrust ) for our yearly insurance premiums. I receive no response from SunTrust in regards to my request. I am requesting front and back copies of checks from SunTrust showing proof our insurance premium was made for our the following years XXXX/XXXX {$1400.00} and XXXX/XXXX  {$1500.00}.

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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 

INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, THERE IS NO RECORD OF SUCH ENTITY!!

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 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appilied for a loan, a credit report was provided to the creditor from Transunion they gave me a score of XXXX as a result of this low score I was denied credit. I asked for a copy of my report. I saw only one negative report that was a Bankruptcy discharged in XXXX, All my other account are in good standing All payed as agreed. I have not been treated fair by Trasunion. I asked one of my creditors for an increase one my Visa and it was approved I asked for my score it was XXXX from XXXX XXXX XXXX. Why the big differnce in the scores. The date were XX/XX/XXXX for trasunion.

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