vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased special order sofa from XXXX XXXX in XXXX XXXX XXXX by opening a XXXX XXXX Credit Card with the choice of interest free for 12 months if purchase is paid within that period of with monthly interest. I chose to pay off account within 12 months interest free. I was informed at the time of purchase the sofa could take up to 10 weeks to make. More importantly when I received my first bill in XX/XX/XXXX which I paid however I noticed that I had been charged interest and called customer service immediately. I indicated the wrong account was opened as this was done via telephone by the design specialist who I was certain requested the 12 month interest free account on my behalf. I was informed the matter would be investigated and it make take a few weeks. Upon receipt of my next bill the issue was rectified to a 12 month interest free account. During XX/XX/XXXX and XX/XX/XXXX I called to check on the progress of the sofa but each representative I spoke to could not locate an order for a sofa! Finally in XX/XX/XXXX after another call to locate my missing order a representative suggested I telephone the store. Which took several calls and emails to learn that the sofa was never started! After escalating the matter to XXXX  XXXX who put a rush on the sofa to be delivered by XX/XX/XXXX. 
It was my understanding that the I would have 12months to pay off sofa it was my intention to pay off the balance of {$1000.00} in XX/XX/XXXX. However upon receipt of my XX/XX/XXXX bill I was charged {$830.00} interest in XX/XX/XXXX bring the outstanding bill to {$1800.00}. I called customer service and spoke to a representative by the name of XXXX on XX/XX/XXXX who indicated that nothing could be done and the 12 month period starts on the date of purchase. None of the paper bills I received indicated that the interest would be coming due and or that if bill wasn't paid in full in XX/XX/XXXX I would be charged interest. I think the practices employed by XXXX XXXX are unfair and deceptive, additionally designed to mislead the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-07-25 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I had what I thought was a scam call from Midwest recovery systems over a year ago told me that if I didn't pay this payday loan form who knows when they were going to take me to court. I asked for proof of the loan and they told me on the phone too late for that. So I said see you in court then knowing it was a scam because I never had taken out an online loan. Didn't think anything of it intel today XXXX18  XXXX and XXXX has a collections on them from these Thief 's. So I called them on the phone XX/XX/XXXX18 and still tell me I have a payday loan for 7 year ago but wont give any details on the loan and nothing written. I cant see how a company preys off of people can get away of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I sent XXXX, XXXX, and Transunion my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with Transunion ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that Transunion does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the Transunion website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B.  Transunion, XXXX, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

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 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive had a chase auto loan since XX/XX/XXXX. Ive never had ONE missed payment. However, Im XXXX XXXX in the military and missed two monthly payments as my family switched bank accounts while I was XXXX. I just added my new bank account however, Im worried about what this is going to do to my credit. Last time this happened was 2 years ago and the Chase Auto loan specialist fixed everything on the phone and made sure I wasnt getting charged extra and that my credit wasnt going to get affected by this. He did this by backdating I believe. But now the same problem is occurring once again and Ive spent 3 hours on the phone with Chase, fighting and trying to fix this. Chase transferred me to the military line and theyre investigating my profile and XXXX XXXX dates because my profile meets the FDRA requirements and will cap my interest rate at 4 %. This is good, but it can take 30 days or longer, which isnt good especially for my credit. The chase auto loan specialists were pretty rude on the phone. I spoke to one who didnt know what he was talking about and then notified him that the previous chase specialist in XXXX fixed everything and backdated it for me and I hadnt had an issue in 2 years. I asked him to do the same thing for me and he refused. This is against FDRA policy to do this. Anyway, I not only linked my new bank account for autopay on this account but I called again and spoke to XXXX, a supervisor at XXXX EST and we got the account current for the months I was XXXX. Now that that is all done, he said to do this to get the additional fees removed for return check fee and late charges. Returned check fee is because I switched banks and the late charges are from my XXXX. Im XXXX again in a couple of days so please fix this and get the fees taken care of chase and please make sure that these two payments are not going to negatively affect my credit. I will pursue this in small claims court if I have to. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I have sent written request on multiple occasions to XXXX XXXX requesting VALIDATION of a debt that is listed on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). XXXX XXXX failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: NJ

Complaint narrative:
I am furious. I have been dealing with this credit situation since XX/XX/XXXX. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. XXXX sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

Experian never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
On XXXX XXXX a investor representative from XXXX, Texas contacted me on my cell XXXX to alert me that my home was going to be place on a foreclosure for sale in XXXX County for {$260000.00} on XXXX XXXX. 
XXXX County Court Judge could be approving the foreclosure sale of my home, as Texas Laws are more in favor with major mortgage lenders and investors.

Round Point wanted me to more do VA Loan modifications and I just decline their offer, because of the sale of my home was unlawfully inflanted to get a high value in XXXX. 
New VA Lender will not reduce the price of my home to {$160.00} or $ XXXX in which on XX/XX/XXXX, this was suppose to be the price of the home and not {$240000.00}. 
My VA Loan is in fraud, scandal and corruptions and VA will not do nothing about it.

Now, New VA Lender Round Point Mortgage wants to put me in collection and ruin my credit and place on collections. 
I am XXXX XXXX and Retired and on Medical Care treament with XXXX XXXX XXXX in XXXX, California, since XX/XX/XXXX till XX/XX/XXXX. 
My home is not vacated as all my furnitures and personal property is in my house. 
Round Point is putting me out in the street with my XXXX status. 

Very Urgent Matters

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 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent XXXX, Experian, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & # XXXX on XX/XX/2018. I asked by letter accounts XXXX  XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX rep on XX/XX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: MAJR Financial Corp
State: TX

Complaint narrative:
Majr Financial is reporting an inaccurate late on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation