vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 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: CL Holdings LLC
State: CA

Complaint narrative:
I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Broward Adjustment Services
State: FL

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I had an   XXXX   XXXX    performed at the  XXXX   XXXX   XXXX   XXXX   XXXX . Prior to this procedure, I was informed and signed a document stating I would be responsible for {$110.00} which I paid the day of the procedure.   A few months later I received an invoice from the University  XXXX   XXXX   XXXX   XXXX  showing an additional amount due of {$390.00}.   When I called the hospital billing department to question this additional amount, I was advised to send a letter to t he Disp  ute Resolution  Department, which I did on  XXXX   XXXX ,   XXXX  .   I followed up with phone calls and emails and received confirmation in  XXXX    XXXX   from  XXXX  in t he Dispute Resolution  Department that my letter had been received and was being reviewed. I never heard back from anyone, never received any phone calls, emails or correspondences about this matter.   I recently found out that my  credit score ;  which has been around  XXXX  for many years just dropped over  XXXX  points. After requesting my credit report, I learned that a company named  BROWARD ADJUSTMENT SVCS reported  a collection of {$390.00}, amount that was in dispute with the University  XXXX   XXXX   XXXX   XXXX . I was never informed by the hospital that my account would be turned over to a collection agency and was never contacted by  BROWARD ADJUSTMENT S VCS about this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hell o All, Tha nk you in advance for your time and consideration in assisting in this issue. Abou t two years ago, my husband and I went to  Macys s tore in   XXXX   XXXX    Virginia to shop for  few items and after choosing the items we needed, we then went to the cashier to pay for the items and it was there that she ( the cashier ) said we could receive additional discount if my husband is added on my account which the cashier did and confirmed with us after completing the proce ss. One day  my husband went to  Macys i n  XXXX  Maryland and purchase a dress pant ( price range {$50.00} - {$70.0 0} ) for  me using my account information. But later found out after receiving a collection b ill ( of {$800.00} plus ) on behalf of Macys, an d contacting customer services, that my husband was never added on my account but rather another account was created without my knowledge and was never brought to my attention even when I always called to make a payment on my card no one in that department ever brought it up. The most frustrating part of this is that upon creating this account, one must expect to received separate bill under the account, a letter of notification of the new account created along wit h a Macys card but none was issued rather they ( Macys ) continues to accumulate charges over time which seems to me Macys is   more interested in making money than doing the right thing in that process. The most frustrating of all this is the lack of accountabil ity for error on Macys as  such that it has affected both of our credit. Does such practice not consider deceptive and shouldnt Macys accept responsibility for an error on their side? Lastly, every Macys customer service representative I had spoken with on this issue refused to provide me the account number in dispute this to me is unacceptable in a manner that I 'm being held responsible for something I have no knowledge of or aware of it existence.

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and  XXXX  are still reporting the account.   XXXX   says it will stay on reporting until  XXXX . This account should be gone from my records.

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 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Tried to make several payments to my  XXXX /Comenity Bank credit card and every time I make a payment it is reverted back to my account. Also,  Comentiy bank continuously calls and harrasses me about a bill that should not exist and every time I get a " manager '' everything is back to being ok. These people h ave asked for my representing lawyer to give them a call. When asked why they want an attorney to call, they state because they want to know if you are going through bankruptcy. I want my complete account gone from Comenity for these comments and harassment or I have an attorney call with a lawsuit!! Also, on my credit report it shows perfect payments bes ides 3 pay ments and then perfect payments again, yet I have never been late on my payment, it is a failure of them actually accepting the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CA

Complaint narrative:
I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in 2016.This company is adding interest in to this account, to increase the amount on my credit report to further damage my credit score. The beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in   XXXX .This co mpany is adding interest in to this account, to increase the amount on my credit report to further damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both Equifax and   XXXX   are still reporting the account.  XXXX  says it will stay on reporting until  XXXX . This account should be gone from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and Experian are still reporting the account. Experian says it will stay on reporting until  XXXX . This account should be gone from my records.

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 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My  XXXX  account was hacked I spoke with  XXXX  and the refunded what they could on their end and emailed.  Letter instructing the bank on how to retrieve my money that was stolen and my financial information was compramised and I filed a dispute with. Huntington bank in the ban k mysteriously and the copy of the email from  XXXX  and the dispute was lost I still retain my copy of both then I had to refile on a different day then I was told after checking on it that only  XXXX  dollars would be refunded even though  XXXX  were stolen and that there was only a  90day windo w from the time it was reported well they never  went 80days ba ck because I went through the bank statements with the banker in my branch and sent them a total as well as phone banking reps I feel like this decision was made with prejudice and I am being discriminated against because the process and procedures were not folles as well as being refused and hung up on once I requested to speak with a compliance  officer  and I have that right several of my rights were violated and this is not faut

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
An overpayment was made via   XXXX   XXXX   transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 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: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
Allied Collection Services  is reporting on my credit report for   XXXX   XXXX    ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've   contacted  Allied  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of Arizona.

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: ME

Complaint narrative:
Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: AZ

Complaint narrative:
XXXX   XXXX   XXXX  is reporting on my credit report for  XXXX   XXXX   (  a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted  XXXX  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of  Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to   XXXX   -- that I did not know existed.     HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  (   See  HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated  by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my Transunion, XXXX and XXXX credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my Transunion Report after a Hard Pull.

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