vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: NC

Complaint narrative:
Yesterday, I received an email from Comenity Bank in reference to a Zales Diamond Card that I have had for a number of years. I've always paid my card in full and I don't use it often. The email was notice that unless I use the card at least once before XX/XX/XXXX, Comenity will close the account. I don't have a problem with them closing it, honestly. The troubling part of the email was the threat that they made to report the closure to credit bureaus negatively ( it being widely known that an account shown as " Closed by Creditor '' is detrimental to credit ratings ) as quoted following : " Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I have sent them a letter requesting that they close the account but that they report it as " Closed by Consumer '' to the credit bureaus. Hopefully, they will do as I have asked. 
This approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a credit card. I think that a better way for creditors to handle this type of situation would be for them to offer to close an unused account and show it " Closed by Consumer '' instead of encouraging consumers to use a card to avoid a negative entry in their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter stating that I owed {$2500.00} to Citibank a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on 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 explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
This mortgage company complaint should never have been closed! Employees took to calling me at work and threatening me. On the first call, I asked them not to call me during working hours. We settled on a call back time from XXXX on weekdays. 

Shortly thereafter, they called me at work again, after I had asked them repeatedly not to do so. They forced me to discuss the matter in front of co-workers since " overtime has not been approved, therefore you need to talk now ''. 

How you folks allowed this to be closed without confirming with me is absolutely unacceptable. They didn't resolve anything, only escalated the threats made to me during work hours, and in front of colleagues. 

The issue is their response to written requests regarding my mortgage that go unanswered. Please escalate this to the highest level that it can be resolved. I am suffering health issues as a result of this matter.

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I'd like to make a complaint on XXXX XXXX of I.Q. International Data , Inc. 

This collector has been extremely rude, overly aggressive, and in violation of the FDCPA. 

After speaking with him and him being so belligerent and rude I asked not to be contacted by phone again. This was on XX/XX/2019. At that time I provided my mailing address and asked for all future correspondence to be sent via mail and NOT to call me again. XXXX then proceeded to make an outbound call to me on XX/XX/2019 again, despite me asking him not to call again. For the second time, he was so unbelievably rude and aggressive that I disconnected the line and called back asking for a supervisor after he repeatedly demanded that I provide him with attorney information. 

I spoke with XXXX XXXX of I.Q. International Data , Inc. who is one of the supervisors there. I informed him of how belligerent Mr. XXXX had been and he advised me at that time that all future calls I made to the company be addressed to him as he would be more than happy to assist me considering I'd had such a difficult experience dealing with his representative. 

Yesterday, I called I.Q. International Data , Inc. to pay my account off. I was directed to XXXX, despite asking for a supervisor or XXXX. He then proceeded with yet another belligerent interaction with me and refused to allow me to speak with XXXX or another supervisor despite my several attempts of asking. 

Something has to be done about this guy. Regardless of owing a debt to a company, it does not constitute an agent to repeatedly disrespect, antagonize, or belittle me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: Higher Level Processing
State: TN

Complaint narrative:
This complaint is regarding the company Higher Level Processing. Since XXXX I have been using their services as a third party to assist with getting federal student loans into the public service loan forgiveness program. Each year they assist with getting necessary documents submitted to XXXX XXXX XXXX to maintain eligibility in the repayment plan and forgiveness program. They have done their services with no issues until XXXX. I submitted updated information for the year XXXX when requested in XX/XX/XXXX. Beginning XX/XX/XXXX I noticed my repayment amount to have increased. I called Higher Level Processing to inquire about the reason this increase happened on XX/XX/XXXX with no answer. I then called XXXX XXXX Servicing where I was told that none of my updated information had gotten submitted therefore I was no longer in the income driven repayment plan so my payment increased. I then called Higher Level Processing again and was able to speak to someone who stated that they contacted me many times about needing updated information and that I had not submitted it. I had not received any communication with them as they stated they had done. To which they confirmed my contact information to insure it was correct, it was correct. The customer service agent resent the email to re-certify and assured me that if I got it completed in 14 days they would get me re-certified in the program no problem. I received the email and completed the information and submitted it on XX/XX/XXXX. I received no confirmation of information, but did have a charge on XXXX XXXX of {$19.00} for their services. I called them on XX/XX/XXXX to confirm information was received. The customer service agent stated a lot of confusion saying " It is not time to re-certify, we will send you that request in XXXX. '' I explained that it was for the last year due to the services not getting carried out. He then stated " oh, yes I see that now. We did receive and submit and you were approved for {$0.00} repayment on the income driven plan. I asked for confirmation of this to be sent to me. I then received an email that said the information was received and my request was being processed. On XX/XX/XXXX I received an email saying that the documents had been submitted. I called XXXX  XXXX XXXX on XX/XX/XXXX to inquire on the status to insure that it had been submitted. The customer service agent stated that they had contact from Higher Level Processing who posed as me and requested that my payment be frozen for 2 months, and the request was carried out. No documentation had been submitted. I am now taking actions to terminate with Higher Level Processing and work strictly through XXXX XXXX XXXX  to get back on track with my federal student loan program and repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
On XX/XX/20 I received notification that an collection account was added to my report that I gave no recollection of, I immediately reached out to the creditor with no avail. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CA

Complaint narrative:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/19 Thurs XXXX got an email saying partial payment rcvd but would be held in suspense account XXXX said there was enough money to apply the payment they can gather up from suspense account and apply to her account XXXX says it probably got applied the same day that they put in suspense and overlap. 

XX/XX/19 Monday XXXX always goes into the branch and take it directly out of her checking account and apply it to loan. 

XXXX says there is a 1 day delay when making it at the branch teller has options on how to apply the payment and they can put it into suspense account he says the teller probably put it into suspense account. Then it was applied to the loan XX/XX/19 Tues it posted Confusing as to why it posted and 2 days later she got an email saying it was applied to suspense No notification went out to XXXX stating that it was all an overlap and the XXXX payment actually posted. 



XXXX said because of the active foreclosure he cant take a payment for XXXX It needs to go through underwriting and do the review process Noted to XXXX that when a big banking institution tells a homeowner that they did not apply the payment and not notifying them of correcting the error, that seems like it could be some sort of Consumer Loan Act violation or deceptive practices. Not that we were filing complaints but that XXXX could. 



Asked XXXX about FHA maybe being able to take a payment to get her but he said no since it was over 90 days delinquent XXXX Customer Care and Recovery Group they would like to speak with XXXX so that she can suggest they put a new process in place letting her know the email was all in error and had actually applied her payment

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
HI, i have summited stolen identity report before but still affected my credit but in the grace of God i was able to buy my house here in XXXX ill and now im applying for a very good job career and i dont want this to affect me, they were many companies charging me for credit cards also light bills, gas bills and phone bills in other states, ic systems was the last one i remember and the amounts were many too, XXXX {$500.00} , XXXX $ and other amounts, i hope this doesnt affect me in continuing my dream career as a public servant with one of the most respectful federal companies in the world. thanks.

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 2020-03-10 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: CA

Complaint narrative:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON 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 explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON 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 explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Since I had my home in XXXX, my mortgage company has been changed 3 time. My current company Home Point financial, which I have been with since XX/XX/XXXX, has increased my monthly payment every year. What I dont understand is no one in my neighborhoods mortgage has been increased. I have a single family and its only my spouse and me. 

When this mortgage company took over my monthly bill was {$630.00}, then to {$680.00} and not they are increasing it to {$710.00} as of XX/XX/XXXX. 

Why does it increase seems every 6 months, when my income isnt increasing to keep up. 

Ive owned a home in XXXX  for 15 years before coming to XXXX  and never has my monthly mortgage payment change so frequently as this. And the cost of living in XXXX  is more expensive then XXXX. 

Bottom line is why this is happens and how does anyone not go bankrupt? And is this a normal practice. I would be open to a new mortgage company if this keeps happening, because eventually I wont be able to afford it! 

Please help me with this, Ive asked for clarification from the mortgage company but it all sounds toooo technical for the command person to understand. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a XXXX  XXXX  product through XXXX  thru XXXX. Apparently, this product was discontinued and I was automatically enrolled and charged by " Equifax Consumer '' on XX/XX/2020 for {$190.00} on the credit card that was on file with XXXX. I did not authorize this charge by the new company, period. However, since I was charged I decided to give the new company a chance, but after several phone calls ( with no help ) and giving out my personal information to 4 different associates, I decided I was being given the " run-a-round '' by a fraudulent company. I did contact my credit card company who has raised a dispute on this item. I want the CFPB to remind Equifax that making unauthorized charges on a consumers credit card is " FRAUD '' and as a reporting agency they should be aware that unfair and deceptive practices are wrong, ALWAYS WRONG, even if you are the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I see three credit inquires in my name. I check my credit scores in XXXX  XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

Equifax 1. XXXX XXXX  XXXX/XXXX  XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX  1.XXXX  XXXX Inquiry from XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have paperless billing and have always logged in online and paid my monthly balance due. On XX/XX/2020 I signed into my online account and paid my balance in full, {$3100.00}. Today, XX/XX/XXXX, I receive an email notifying me I have a payment due and a balance of {$850.00}. After my payment it appears that they charged the following : they back dated the following : XX/XX/2020 {$730.00} Finance Charge ; XX/XX/2020 {$730.00} Promo Finance Charge Adj ; XX/XX/2020 {$1200.00} Promotional to Revolving. I have always paid my payments by the online paperless billing. Unaware that I was going to be charged the thousands of dollars interest for a promotional plan I opted for 18 months ago. Since I chose paperless billing I never received any type of notification that the promotion was going to expire or when. I did not look at my statements online, I just paid my monthly payment. I have borrowed money to pay all my credit card debt and when I logged into my account on XX/XX/2020 I paid the balance in full, now, 4 days later I owe {$850.00}, how is that possible? I have been charged almost as much interest as what I owed on the account, I dont understand this at all and when I called the company they just patronized me explaining this is a banking, binding contract. I was never notified by any electronic means that the promotion was expiring on XX/XX/2020 and most importantly they did not charge me until after I paid my balance in full. This is not right that they did this without any notification. If they allow customers to accept paperless billing then they should send out notifications of like kind that promotional billing is going to expire. I had another credit card that would flag me when I made my payment that I had a promotion that was going to expire, so I knew I had to do something. In addition, they gave me 30 days from the date the promotion was going to expire to pay the promotional balance, and they did. I am very frustrated and believe this is wrong, I should have been sent notifications and I was not ; when I paid the balance in full the charge should have been on the account, not after the balance was paid. I paid 100 % what was owed on the account on XX/XX/2020, I should not owe anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I see three credit inquires in my name. I check my credit scores in XXXX   XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

XXXX  1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 TransUnion 1.XXXX  XXXX Inquiry from XX/XX/2020 2020

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
i have a debit of {$140.00} that i had no idea about. it is affecting my credit and they wont take it off my report they sent the letters to my old address and i told XXXX  XXXX  i was moving and that was the reason to cancel way point is the company phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation