vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Portfolio Recovery, LLC
State: FL

Complaint narrative:
I submitted a complaint to the Better business bureau in regards to this complaint and the company sent me a letter stating " We have completed our investigation of your dispute concerning this account '' Attached was a statement balance reflecting {$1000.00} however this company was reporting {$1000.00}. Regardless of how small the error was it is their responsibility to maintain true and 100 % accurate information when reporting to the credit bureaus. They failed to update the account when asked to validate the debt.A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate such as misstating the balance due. They are in violation of my rights and I am requesting the account to be deleted.Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Your company is in debt dispute violation as you have failed to do the following : -submit corrected information to the CRA subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect

Company response to consumer: Untimely response
Consumer complaint received 2017-11-04 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: MD

Complaint narrative:
Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I am writing this letter to file a formal complaint. I was contacted by a representative for this account. As I explained to the representative the case was dismissed in court. However, even though it was dismissed in court, without me owing a debt, I did legally live in the unit and paid the rent. I went to the bank, and did research on the check. I found out the cashiers check was never cashed. I had the check reissued, the representative explained that there was an amount owed for XXXX. I explained to the representative, I was not in the unit, and was not paying. A collection agency can not take over from a court of law, I sent in a vacate notice in XXXX. We were in court in XXXX. I am not paying for a month in which I was not there. I asked to speak to a supervisor and spoke to XXXX XXXX. XXXX XXXX informed me, it did not matter what the court ruled, and the company sent this account for collection. I explained to him I am not willing to pay when I was not there and I am not legally responsible. You can not overrule a judge, he told me to check my lease. I again stated what occurred in court, and explained that I would file a bk before I pay for something that I did n't live in. He told me keep the cashiers check, and keep my money. He then hung up. Since that call, I have continued to be harassed by him and XXXX XXXX threatning to sue me. I finally gave them the name of the BK attorney. I know it is illegal and a debt collection company can not override a judge

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: TX

Complaint narrative:
I wrote and mailed a dispute letter to Experian delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Experian customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative also advised that although I requested a copy after the investigation they had not mailed a copy to me. I contact Experian again after only to be told again they would not delete the records again and they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Experian on several occasions, being denied on multiple occasions, my next step is to start litigation against them.

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 2017-11-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. Chase and XXXX XXXX  departments opened cases to look into this situation. XXXX XXXX XXXX XXXXl department refused to, claiming they could not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and Capitalone financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: IL

Complaint narrative:
This is an account that you all have assisted me with complaint id # XXXX I was told that the hospital would not accept the proof I sent and when I contacted the hospital they stated that there was n't anything in there file stating that they spoke central financial control. My credit report reflected that it was removed and here a few days ago it is back on their. I have pictures I do n't understand why that form XXXX worked with all the rest of my medical bills but not them. Please help. And I also noticed on the different reports they show under different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs 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 2017-11-04 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: TX

Complaint narrative:
I wrote and mailed a dispute letter to Equifax delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Equifax customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative said they mailed out my results on XXXX and i had to wait. I reached out to Equifax again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait for it to arrive. After attempting to work with Equifax on several occasions, being denied on multiple occasions, my next step is to start litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc.
State: PA

Complaint narrative:
I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.

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 2017-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX I made the last payment on my XXXX XXXX account. I have used the company multiple times for furniture financing and have had this account since XX/XX/XXXX. In XX/XX/XXXX I had a financial hardship and as a result I had the only late payment I have ever had on this account. Because I paid the account off two months early, XX/XX/XXXX, and only had one late - I wrote a letter to this creditor ( received by Synchrony on XX/XX/XXXX ) asking for consideration of forgiveness for my single late as I am in the process of buying a home. I did not receive a response to that request but three days later ( XX/XX/XXXX ) I received an email stating they were closing my account due to my credit score, the credit report also cited a pull date of XX/XX/XXXX. Although the account has a Status of " Paid, Closed '' it also was updated with a Comment stating " Account closed at credit grantor 's request '' and is reflected as a potentially negative item on my credit report. Since I completely paid off the account without any new transactions more two months prior and the credit report referenced as being the backbone for a decision in XX/XX/XXXX, was pulled in XX/XX/XXXX, I have reason to believe the Comment placed on my credit report and the account closure was done out of spite.

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 2017-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: SC

Complaint narrative:
I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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:
equifax let someone hack into their system and steal my id and they wont remove it after showing them the po report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: SC

Complaint narrative:
I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

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 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I need proof from XXXX that I owe XXXX I need validation

Company response to consumer: Closed with explanation