vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a roamans credit card back in XX/XX/XXXX I have been paying my monthly payment before the due date but back in XX/XX/XXXX I was late twice making my payment due to decrease in pay. I did call roamans at the time to inform them that I coould not make the payments. I have been trying to clean up my credit report and they refuse to remove the two late payments on my credit report it is now XX/XX/XXXX and I have not been alte making my monthly payments I finally was able to make my final payment today to roamans and I found out that they decreased my credit limit, I used to have a XXXX dollar credit limit I had a XXXX dollar credit limit all through XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX so why did they decrease my credit I called the company and first they gave ne incorrect information they told me that the credit bureaus have control of increasing or decreasing the credit amount which I know is a lie so I called back again and a supervisor informed me that they sent me a letter explaining why my credit limit is decreased this is unacceptable because now y credit score will be affected I am trying to fix my credit report and now they ruined it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: KY

Complaint narrative:
I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
hippa violation sent police report taking more than 30 dats

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from my credit report.

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hippa violation sent police report taking more than 30 dats

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 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX  XXXX XXXX ( XXXX ) had contracted them for the debt collection. 
- XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. 
- XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. 
Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX   reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX XXXX XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. 

send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my rainbow address. The mail center is Mail link plus in XXXX XXXX, Nv XXXX XXXX XXXX this company only send me a copy of a bill, no contract or ectXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: NY

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: OR

Complaint narrative:
I have had an account with XXXX ( Net Spend ) for over 5 years I have my SS and pension benefits auto deposited, of XXXX.I put my son on the account, when he went to get a new Drivers License they they would only issue it with the name on his Birth Certificate which is XXXX, I went on line to order him a new card in XXXX XXXX instead of XXXX, sent them all his legal Documents, they sent a new one in XXXX, On my records from my acct it said new card XXXX XXXX PENDING it was never activated nor used, I tried 3x's.This year when my son had his tax 's done they put them in my acct I recieved a text message saying there was a problem with a deposit, I called them and resent all his legal papers stating he was a Shull, I told them that prior to this I tried getting a card in his name but nothing ever showed up, Well the IRS, and Social Security also told XXXX XXXX there was No Fraud , I had a very rude supervisior that insisted it was fraud and they closed my acct, I was told that only my son would be taken off well they shut me down and said they were sending me a check. so all my debits and auto deposits are being returned.This is such an injustice I'm beyond upset!

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 2018-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
In XXXX, XXXX Loancare paid the wrong parcel id number from my escrow account. The amount they paid was double what my property tax payment should have been, leaving me with a shortage in my escrow account. On or around XX/XX/XXXX I called Loancare to let them know that I received a delinquent notice from the county because my taxes were not paid. I also uploaded the delinquency notice to their website, as they told me to do. I was told I would hear back within 7 days, but I didn't so I called again on or around XX/XX/XXXX. I was told that the delinquency notice was showing up in the system, and again that I would hear back within the next 7 days. I received no call, so I called again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. Each time I explained that my payment has increased due to the " shortage '' in my escrow account, and that making the additional payment is a hardship for me. I have been advised 3 times that my issue has been escalated, and that I would receive a call back within XXXX hours, and I have only once received a call back to inform me that the tax department was reviewing and would get back to me ... which they never did. When I called again today, I was told they still have not corrected this issue. Now, my XXXX payment with the additional escrow payment is due in a couple of days, and there is still no resolution, which is very stressful.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.

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