vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX - I called into file a complaint about them lowering my credit limit on account for marathon and representative who was on the phone with me was very rude and decided that he would be funny and started to close all of my accounts up and totally hurt my credit. I kept having to call back in to get my accounts opened back up. They would be open maybe a week or so and this man would close all of them back up again. I kept going back and forth with Comenity Bank for over a month or 2 and after that I just gave up. This destroyed my credit and took my score down tremendously. I have never missed a payment on these cards and never been late. Just recently they gave me the XXXX card back after applying forever for it and having to put all these hard hits on my credit. The XXXX card has such a low balance and by all those credit cards being closed other banks cards gave me a very low balance. I want all my cards reinstated and the balances on them increased. I am so glad I found out about this place ( CFPB ). As a consumer I should not have to deal with this ordeal and no one else should either. That man talked to me so rude and if I was beneath him. I have never been treated in such a manner The proof of what they did on my accounts is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: MI

Complaint narrative:
Called Flagship Credit Acceptance regarding lowering payment due to hardship of no job. Was told several times they don't lower payments. They constantly call me every day sometimes 4-5 times from different numbers seven days a week. 
States that until I am current they will continue to call even if one day late.

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 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Action Financial Services, LLC
State: TX

Complaint narrative:
Action Financial is the 3rd party over my loans. THIS COMPANY IS FRAUD AND HAVE TOOK MONEY DIRECTLY OUT MY CHECK FROM MY JOB COMPANY KNOWING THERE WAS A STOP PAYMENT ON MY LOANS IN XXXX. MY EMPLOYER GAVE ME THE DOCUMENTS FROM THE DEPARTMENT OF STUDENT LOANS IN XXXX FOR STOP PAYMENT. IN XXXX I REQUEST A REFUND FOR MONEY OWED BACK TO ME. A TICKET CLAIM WAS SUBMITTED IN XXXX AND I WAS TOLD NOT TO CONTACT THE DEPARTMENT OF STUDENT LOANS THEY WILL MAKE THE REQUEST. IVE BEEN CALLING ACTION FINANCIAL SERVICES EVERY TWO WEEKS FOR 3MONTHS NOW AND THEY BEEN GIVING FALSE INFORMATION REGARDING MY LOAN AMOUNT, PAYMENT AMOUNT AND THE DATE OF THE REFUND. THIS CHECK FOR XXXX AND XXXX NEEDS TO BE ISSUED ASAP. IVE WAITED 3 MONTHS ALREADY I DONT WANT TO HEAR ANYTHING ABOUT A 41 DAY TURN AROUND TIME PLUS 14 BUSINESS DAY FOR MY CHECK. 
THIS IS WAGE THIEF AND FRAUD ON ACTION FINANCIAL SERVICES END. I WANT TO BE UNDER A DIFFERENT FINANCE COMPANY. OR I WILL NOT BE MAKING ANYMORE PAYMENTS. I DO NOT TRUST THIS COMPANY AT ALL!

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This complaint is related to two complaints previously filed. 
1. LoanCare failed to credit my account for the payment I made All payments from XX/XX/XXXX to XX/XX/XXXX, were made on time and were received by LoanCare ( See attached proof of payment # XXXX ). LoanCare failed to credit me for my account # XXXX, my payments for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX claiming that these payments were not the correct amount and incorrectly applied these monies to my other account # XXXX ( See attached LoanCare Response dated XXXX ) This happened while LoanCare had no problem applying payments for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to my account # XXXX This totally unacceptable. LoanCare added what they claimed missing here to my payoff statement and made me pay extra. The actual loan balance is {$150000.00} according to LoanCare record ( See attached XX/XX/XXXX Statement and XX/XX/XXXX Statement ). Loancare made me pay {$150000.00} ( See attached pay off statement, dated XX/XX/XXXX ). LoanCare must reimburse me the difference IMMEDIATELY. 

In LoanCare 's Annual Statement ( see attached ), the beginning loan Balance was {$150000.00}. I have paid {$5200.00}, and the balance is {$150000.00} Why do I have to pay {$150000.00} when the balance is {$150000.00} For convenience, I have provided with this complaint, proofs of payment for both of my accounts # XXXX and # XXXX. With all proofs on hands, it is LoanCare 's responsibility to get my records straight. No more ill-intent, naive pretense is accepted. 

LoanCare did this very same thing to me on this # XXXX Loan when I previously sold my property on Loan # XXXX. 

On account # XXXX, I demand LoanCare to refund the amount falsely charged immediately. 

On account # XXXX, LoanCare still owes me the late fees that were falsely charged. I demand LoanCare to refund this amount immediately. 

I demand LoanCare to get their record straight and re-notify the Credit bureau. What LoanCare listed on their response letter dated XX/XX/XXXX, was not completed.

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 2020-03-18 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: FL

Complaint narrative:
I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1st Florida Lending CORP
State: FL

Complaint narrative:
I called and spoke with XXXX, he stated he was going to transfer me to a loan specialist. Prior to them completing their conversation, he joined the call and I heard the representative saying, " I'm not going to work with anyone name XXXX. '' Then they hung-up. I called back and spoke to XXXX and I told him I heard the conversation. It is extremely XXXX and unprofessional. Which he claimed I didn't hear anything and that I heard wrong then he hung up on me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One did process a change to lower the APR for 6  months. However, due to COVID-19, I feel that they can do better. Instead of establishing a variable rate with a quarterly prime ; they could provide a lower APR under a fixed amount. I was transferred three times. The final representative stated that there is nothing available since I accepted the promo.. Very insensitive towards the national pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. IT IS VERY CLEAR TO ME. THAT MY IDENTITY HAS BEEN STOLEN FOR THESE FRAUDULENT ACTIVITIES TO HAVE OCCURRED. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS TO MY CREDIT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reviewed my credit report and the account was listed there. This account was opened XX/XX/2016, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had money taken out of my bank account by Capital One for credit card debt. I was not notified about any judgement or levy against me and I'm not sure if they even had one. This happened today, XX/XX/2020. They took a little over {$7000.00} and left me with about -- {$2000.00}. I tried reaching out to them about it weeks ago worried that they would try something, but I never got an answer back and with work, I don't often have time to continuously reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Windham Professionals, Inc.
State: PA

Complaint narrative:
XXXX University, through its collection agent, Windham Professionals , Inc, accepted my offer to settleme an alleged debt, however has not honored the settlement agreement and continues to attempt to collect the alleged outstanding balance. On XX/XX/2020 Windham Professionals , Inc negotiated my payment instrument ( check number XXXX ) in the amount of {$820.00}, which fully satisfied my account. XXXX has refused to release my transcipt or provide me with a notice that the account is settled in full. I contacted the agent on XX/XX/2020 and was told that I am required to continue to pay. I sent my check directly to the president of the company Ms. XXXX XXXX XXXX XXXX with a letter enclosed. The letter clearly stated that the enclosed check was to be cashed only if the settlement offer was accepted. In addition, the check was marked " Settlement Only '', as a restriction. I also requested a letter of rejection if the offer was not accepted. See the attached files ; cancelled check copy and accompanying letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: CA

Complaint narrative:
I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.

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 2020-03-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A third party collector has been calling me and my ex employer to tell them they are calling the police for a credit card out of the statue of limitations. Its been ten years, I havent heard a thing about it then today theyve been harassing me nonstop.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I loss my home due to a fire XX/XX/2020, I sent a insurance check to PHH Mortgage XX/XX/2020. the loan has been paid in full since XX/XX/2020. the refund amount owed to me is {$84000.00}, and they are yet to release the balance. They have lied to me left me on hold promise to call me back and they can not give me a competent answer on why they have not released my funds. I was suppose to close on my new home XX/XX/2020 at XXXX, however I can not because they are still holding on to the funds. I am staying at a hotel that XXXX XXXX XXXX is paying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: GA

Complaint narrative:
THE FOLLOWING ACCOUNTS WERE PLACED ON MY CONSUMER CREDIT FILE DUE TO FRAUD XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
QVC has a flex-pay option that allows customers to pay over time. I bought a XXXX XXXX mixer from them. My credit limit did not allow me to pay for the mixer. I was paying my payments, but had other flex-payments. QVC once I ran out of available credit adjusted the payments that I make to have me pay for the rest I owed on the XXXX XXXX. At the same time, the company they sold the debt to is after me for the remaining balance. I have been paying on the bill for a year and it hasn't gone down in that year and I have not bout anything from QVC in over a year. My limit is only {$400.00}. When I brought it to my attention a few months ago, my bill began to go down, but it should have been down months ago. I even cancelled the insurance and they kept that on longer than they should have. I had to call twice. I want to pay them off, and pay the remaining {$150.00} on the XXXX XXXX, but I'm not paying more than I owe.

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Sam 's credit card- Sam 's has lowered my credit limit on my card without giving me any reason. I have never missed a payment and recently got the card and had a XXXX dollar credit limit which they lowered to XXXX and now I have other creditors giving me small credit limits of XXXX and XXXX dollars. This is not good for my debt to ratio. My credit limit was in the 700 hundreds and now has dropped do to this fact. I need my credit card especially during this time with this virus in America.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out XXXX XXXX XXXX   along with Experian, XXXX, and XXXX  multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two accounts.

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 2020-03-18 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: OH

Complaint narrative:
In XX/XX/XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XX/XX/XXXX due to illness, which I was finally approved for Social Security XXXX in XXXX, retroactive back to when I lost my XXXX XXXX XXXX. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XX/XX/XXXX, financed by XXXX  XXXX XXXX. I have continued to make my {$550.00} per month payments on time. Since XX/XX/XXXX, XXXX XXXX XXXX removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called XXXX  XXXX XXXX bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XX/XX/XXXX, although my XXXX  was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. XX/XX/XXXXXXXX XXXX also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.

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