vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have a XXXX XXXX Credit Card with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in 2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America Wire Transfer Dept ( XXXX ) XXXX XXXX the representative would not fully identify herself I was wired {$270.00} in US dollars to be received from XXXX {$400.00} XXXX and the bank stole money depositing only {$260.00} then taking another {$15.00} and refusing to return the money. They was informed that the {$270.00} was supposed to be in my account as that is what was sent to me and showed they do not care, they was taking my money unauthorized without notice, warning and consent. The bank representative XXXX said this is what they was going to do. Refused to give me her full name and when I said I wanted to make a formal complaint she refused.

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 monetary relief
Consumer complaint received 2018-10-10 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: NV

Complaint narrative:
I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting 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 explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
CFPB : I reported this back then, and it was not even satisfactorily resolved. Again, I'm filing a new complaint in relation to my credit card account. The merchant used my credit card in XX/XX/XXXX after the fact that I had instructed the merchant not to use my credit card for any further charges in XX/XX/XXXX because the countertop got damaged, which the merchant couldn't remedy. I put that instruction in writing. After I saw the pending charges, I promptly notified Chase to stop the pending charges from going through. However, Chase was unable to stop and recover the money. Now, Chase is placing the responsibility on me to pay even though the charge was unauthorized. UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCB Investments LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX has put {$1700.00} collection on my XXXX report I have sent 3 letters asking to verify debt letting them know Im unaware. They have not responded once asked XXXX to verify or remove on several occasion. They state that debt was verfied I ask how they did not provide answer. Last attemt I sent out was XX/XX/XXXX, to both parties XXXX XXXX came back an stated that debt was verfied on XX/XX/XXXX, How is that when I asked you the next month? Please help me to get this bogus debt removed from my XXXX file there the only agency reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: FL

Complaint narrative:
Agent XXXX XXXX of XXXX told me that her investigation found that XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX XXXX noted her findings in comment # XXXX in their system. She also sent me a dispute form and walked me through exactly what to say on the form and reference comment # XXXX. 

XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX will not take ownership of this computer glitch. 

XXXX will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account. Now XXXX has locked me out of my account completely. ( see attachment ) I made of 40 calls trying to resolve this matter. During that time I was under the direction of agent XXXX XXXX. Now XXXX will not allow me to speak with her regarding her internal investigation. They are now saying they have no record of this in their system. This is not right for XXXX to do this to consumers of their products. Please help me with 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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I was contacted by a company named IQ Data for a " debt '' they say I owed them. I checked the Texas Collections database to see if they are registered to collect debt in the state of Texas and they are not. This company states I started out a balance of XXXX and now I owe them XXXX. This company is hurting my credit and they are saying I have to pay them. I sent them a cease and desist letter to remove the debt off from my credit. My current lease is coming to an end and with this on my credit we can not move anywhere. I have a XXXX old and we are basically going to be homeless due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have no knowledge of this debt and who this company or who there client is. Other then a notification from my credit monitoring service indicating that derogatory information was being reported to all three agencies by this company is the only thing I have. I would like to point out again I have no idea who this compony is and I have received nothing from them. I don't understand why organizations like this think that they can bypass and violate the FDCPA and it's governing laws and informed consumers will just stand by and do nothing. If this information is not removed from all three agencies immediately I will move forward with other options available to me to correct this situation.

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 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Winona Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX Left a voice message that it was urgent they speak to me. I called them on XX/XX/XXXX and they told me I had a debt of {$18.00} for a returned check payable to XXXX XXXX from XX/XX/XXXX. They gave ma their website info and a loginid and password. It showed an image of the supposedly returned check. It required payment of the {$18.00} " debt '' + a processing fee of {$16.00}. I called XXXX XXXX and they said they had no record that I owed them this amount or any amount, and also that they use a different company for debt collection. So this is a sham.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-10 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: NV

Complaint narrative:
I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting 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 explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc.
State: TN

Complaint narrative:
I'm fairly sure this is a scam. A " company '' called XXXX XXXX XXXX, or XXXX, sent me a collections notice for about {$1000.00} for XXXX XXXX for a hospital in XXXX Tennessee. I have never received any XXXX or other XXXX XXXX in XXXX. There appear to be other complaints about these guys on XXXX, which I already reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I had applied for Public Service Loan Forgiveness in XX/XX/2017. Before leaving for the XXXX XXXX that month, I filled out the appropriate forms and spoke with a friend representative on the phone to clarify everything and she said everything was cleared and my time in the XXXX XXXX would count towards my 120 monthly payments to forgiveness. I left XXXX XXXX after 7 months and called my provider to let them know of the change, the representative said it was ok and those payments would count. I am currently working for a non profit organization and called to check in with my provider when online it had said I only have 1 payment so far that would count towards the XXXX. This representative let me know that because my loans were not in the repayment period of while I was in the XXXX XXXX, none of those payments would count. I was completely mislead by the previous representatives and now feel very discouraged with where I am in the PSLF process as I thought I had a years worth of payments completed towards the total 10 years, but am actually starting from square one. I am very disappointed by the misinformation given to me by my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
Without any formal notification or opportunity for dispute, a {$5000.00} medical bill for my deceased son appeared on my credit reports as a collection account. Upon discovering this information on XX/XX/2018, I reached out to the original creditor, XXXX XXXX ( XXXX ). They indicated they would recall the account from the collection agency as there was a billing error. I contacted TH Professional & Medical Collections ( TH ) that same day and informed them that XXXX recalling the account. XXXX also contacted TH that same day to verify this information. I then followed up with TH again on XX/XX/2018 as the account was still reporting to my credit reports. I was assured that information had already been sent to the credit bureau ( s ) to completely remove the account from my credit report ( s ). 

I have credit monitoring with all three ( 3 ) bureaus and refresh my reports daily. As of the date of this complaint, this account remains on reports in error and is having a serious derogatory impact on my score ( s ) as it is the only collection account reported to any of the bureaus. I need this account removed ASAP so that my credit will be restored to its correct, positive, state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018, my checking account with Simple bank was fraudulently debited {$1500.00}. I immediately called to report the transaction. In doing so I learned that Simple does not have a way for you to directly dispute items such as this. Instead, I was directed to contact them via email. I followed their directive, but have been unable to get a response from them. On Sunday, XX/XX/18, I was able to reach them by phone and spoke to a representative named XXXX. XXXX advised me to call the merchant to directly dispute as it would be faster. I did that ; however, they were unable to assist and referred me back to the bank. To date, I have not received a provisional credit while the investigation is in progress. I feel it unfair to me, the consumer, to have funds in limbo while waiting to hear by from a bank that has been unresponsive. 

In the interim, I have read numerous online reviews and this, too, has happened to other consumers. I feel it is my right and responsibility to report such instances like this to protect others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I transferred the balance from a Synchrony Bank/XXXX card to a visa. I transferred the full balance and I balance of {$150.00}. I wrote Synchrony bank and they did not respond in writing as they said they would. I just received a message to call them. I warned them they were going to be reported.

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 monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
After reviewing my XXXX credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Contract Callers Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was not listed as disputed by consumer nor had I received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report. When I still lived in Ohio from XX/XX/XXXX-XX/XX/XXXX I attempted contacting XXXX XXXX XXXX directly multiple times and disputed the accuracy of the charges however I never received any response. I do not believe the account in stated amount belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: KS

Complaint narrative:
I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.

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 2018-10-10 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: KS

Complaint narrative:
I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX  at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: VA

Complaint narrative:
It took an abnormally and absurdly long time to get my Equifax security freeze lifted. In the end, instead of a temporary lift, I opted for a permanent lift because it was too hard to unfreeze my credit. I was unable to do it online, or by phone, at first. I tried by mail, but I was very uncomfortable sending my SSN through the mail. Eventually, I called again and got the freeze permanently lifted, but this experience was very draining and time-consuming. I hope no other people will have to jump through this many hoops to get their credit unfrozen, especially since I can provide all my previous addresses ( as a DMV resident and student, I move a lot ), my SSN, and all other personal info. The security questions asked on the phone were also too difficult, as a lot of my initial student loans were taken out by my parents and therefore I have little knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: FL

Complaint narrative:
My application for Public Service Loan Forgiveness was recently denied. I learned that the reason was because XXXX XXXX refused to count my XX/XX/2018 payments because I was supposedly in past due status. Upon investigation, I learned the following : In XX/XX/2018, XXXX XXXX kicked one of my student loans out of auto debit, which I had not requested. When I learned that this loan was kicked out of auto debit, I began paying that amount each month until I could get it back on auto debit. Rather than applying that to the amount due, they instead applied the extra payment evenly across all loans, pushing that one loan into past due status and all of my other loans into paid ahead status. 

I did not know that this happened and could not figure out why the XXXX XXXX website continued to alternately tell me that I was paid ahead and past due, sometimes giving me both messages in the same day. 

I called several times in XX/XX/XXXX and XX/XX/2018 to resolve this. The customer service reps informed me that I was paying the correct amount, and that there was nothing past due on my account. 

When I applied for Public Service Loan Forgiveness, I learned about the misapplied payment. I have requested that they reapply the payments to take care of the discrepancy, since I have now made a variety of extra payments to try to resolve this discrepancy. One of the customer service reps informed me that it would take 10 days to reapply the payments and that at that time I could request re-evaluation of my Application for Forgiveness. However, it has been weeks now, and they still have not resolved it. I have had to continue making payments during this time. Another customer service representative informed me that they are unable to give me an accounting of how my payments have applied and that I have to cite the exact excluded payments that I want to appeal. That is hard to do absent that type of accounting that shows which payments counted and which did not. 

Please assist me in resolving this matter. I greatly appreciate your help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
The caller identified herself as XXXX XXXX and said the call was an attempt to collect a debt. Since it was a recorded call I could not get someone to take us off their list. All my credit is current and I have no debt owed that is not current. The phone number these people are using is XXXX.

Company response to consumer: Closed with explanation