vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have had multiple cards with this XXXX and have always paid my accounts on time. They have closed accounts that were in good standing with no balance like my XXXX XXXX account. They have lowered credit limits on 4 of my credit cards which impacted my credit score tremendously. They are ruining peoples credit and lives. By them closing accounts in good standing and lowering my credit limits after having the accounts 2+ years it has hurt my house buying process. This company needs to be stopped or a lawsuit needs to be filed against them. They do not give you notice of closures or limit decreases until 30+ days after they have done it. My credit has been damaged due to them and their unlawful practices. NOT ONE ACCOUNT WAS OR IS IN BAD STANDING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: LA

Complaint narrative:
On XX/XX/2018 I filed a complaint they the cfpb with an alleged debt of XXXX XXXX XXXX. The account was closed and removed from my credit report but put back onto my credit report several months later with any formal notice or validation of this alleged debt. I am allowed under the Health Insurance Portability and Accountablity Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is only should be revealed with patients authorization. Therefore, my request is twofold, validation of alleged debt and HIPPA Authorization. Please have company note that withholding the information received from any medical provider in an attempt to be a HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I also would like a reason as to not being notified of this alleged debt being placed back onto my credit reports without and notice after it had been removed after filing a complaint in XX/XX/2018. According to FCRA I should have been notified or contacted, neither was done. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the FCRA. If this information can be obtained I will need the name of the person providing this data and the way that it was provided. If you can not obtain the information requested with the original creditor within the required time frame ( 30 days ) please delete this account from my credit report with all bureaus and that it can not be sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: RI

Complaint narrative:
I have had a traditional XXXX account for over 40 years. There is no balance on this account. 
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016. 
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account. 
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this. 
Any help would be greatly appreciated.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}

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 2018-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}

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 2018-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
Second complaint to the CFPB about this issue : 1. I was thrown out of a hotel in XXXX in late XX/XX/2018 after I had a XXXX XXXX due to XXXX. 

2. I booked the hotel in the spring of XX/XX/2018, and had a {$100.00} coupon applied retroactively to the cost of the hotel - which is the XX/XX/2018 {$100.00} credit on my AmEx account. This {$100.00} credit is NOT a refund for dissatisfaction from the XX/XX/2018 incident that occurred at the hotel, per AmEx 's most recent response. 

3. I've filed this dispute several times, each time providing lengthy and detailed information and documentation of the charges, refunds, what occurred at the hotel. and each time I've been told by AmEx customer service representatives that what occurred at the hotel was not right, I should not have been thrown out, that the information I provided would be reviewed in detail and a response would be needed from the merchant beyond receipt and booking information. However, each time the dispute has been closed by AmEx, they provide me the same receipt and booking information from XXXX, and even provided me information from the hotel that stated I assaulted someone with a hotel key card - which I did not and I don't know how you'd assault anyone with a hotel room key card. 

4. I'm done going around and around with AmEx and explaining in great detail what occurred, to only have my disputes closed with incorrect information and receipts from the merchant. Yes, I booked the hotel room. Yes, I received a {$100.00} credit for a coupon. Yes, the charge amount I'm seeking off my account is {$170.00} not {$270.00}. However, I was thrown out of the hotel before XXXX  due to an XXXX XXXX and I am not paying for the hotel room charge as I was not able to use the service I paid for - which is a night stay in a hotel. 

5. AmEx simply 'went through the motions ' on their last response. They provided no detail and only outlined what occured with the past disputes in their last response to the CFPB. I'm done with the non-sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. 
XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so

Company response to consumer: Untimely response
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Began in XX/XX/XXXX when the company just stopped the auto debits but I never got notification of why or what was happening. I investigated by calling them when I got a notice that said the payment would be close to {$900.00}. I've called them, sent proof of income, filled out IBRP forms, filled out ISRP forms, every time they deny them. But when called in XX/XX/XXXX. and spoke to a representative on a recorded line, he advised that all I needed to do was sign my ISRP form and since they already had the correct supporting income information, they would adjust my payment to what I had requested, 4 % of my gross for a {$390.00} a month payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TN

Complaint narrative:
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 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: TN

Complaint narrative:
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed

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 2018-10-01 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:
On XX/XX/2018 I have paid {$19.00} to Equifax for a complete Premier Plan to monitor and provide updated credit report and score. I have paid all my accounts on time and some paid off within last 6 months and effectively increase my credit score and fixing errors on my credit file. When I checked my credit score on XX/XX/XXXX it showed XXXX and today ( XX/XX/18 ) it shows XXXX which is a 2 points down for no reason ( in reality it show have gone up at least by 2 points or more ). When I called them I was told this decrease is due to your creditors reporting information resulting in our calculations for your score, this is totally incorrectly and false. Because of Equifax error, my credit lost its power, increasing my debts, and adding interests rates of my accounts. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: IL

Complaint narrative:
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX-XXXX   Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX, at my direction, submitted a payment of XXXX via Bill Pay to Di Tech financial to pay of my mortgage loan number XXXX for my home at XXXX XXXX XXXX. in XXXX, CA ( XXXX ). I spoke with XXXX XXXX ( XXXX x XXXX ) and XXXX XXXX, Member Service Center Assistant Manager of XXXX XXXX XXXX ( XXXX ) faxed proof of payment and cashed check to Ms. XXXX at XXXX, Ms XXXX has not responded with follow up, nor has she replied to two subsequent follow up voice mail messages. The missing {$100.00} has still not been applied to my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
we got move over to SPS XX/XX/XXXX or XX/XX/XXXX because we file and complaint about XXXX to XXXX XXXX, ( Many many times ) XXXX was doing the same thing SPS is doing. We decided last XX/XX/XXXX we wanted to pay our house off within 5-6 years. So we work up a plan and started paying an addition {$1200.00} towards our principal ever month. 

I call the payment in to there office and talk with someone that this payment is to be applied to principal only! They applied the payments to everything but the principal they paid off some late charges with some of the money and I told them leave on the accounted till after where done because XXXX XXXX agree to pay them but they still did not listen, I talk with XXXX XXXX They got them to start putting the money to where I wanted it to go and take the money they put somewhere else back to principal that work for about a month now there back again putting the money everywhere but principal. 

Today I spoke with an SPS staff about where my {$1200.00} went that I payed on XX/XX/XXXX she said some went to interest some went to escrow some to taxes this is a game they play ever month and am ready to walk a way from this house! Because we never reaffirmed after a bankruptcy in XX/XX/2009 we can walk away and not get any ding on our credit report! Right now our congressman is getting involved and our local news ( XXXX ) Has agree to get involved ( Must be election time of the year ) I will email you documents there at my other office where they have move the money back to principal ever time XXXX XXXX has got involved I should not have to do this ever few months. This company is trying to take advantage of people to make them pay more interest when they move the money back it's not post -dated to where it was when I made the payment and more interest is on my accounted, We will NEVER pay off in the 5 years as we would like. I have ask XXXX XXXX to move us to a new bank that will not play this game OVER AND OVER EVER-MONTH! 

Thank you advance for any help you can provide because by XX/XX/XXXX if this is not work out we are walking away from this house. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
my agent sent in her authorization with the ss info of both of us, and US Bank required HER ss number as well. She wrote it on the auth, and NOW they won't speak to her, they say they need her Company 's info, which is a bunch of nonsense. They are doing everything to foreclose on me and won't speak to my agent even though she's followed all the rules. We have an offer in and are attempting to get the foreclosure sale date postponed. The US Bank rep was XXXX XXXX # XXXX.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I simply want to report that if you try to contact Experian by phone, ( XXXX ). They initially ask you to enter your Social Security number by automated service. When you attempt to do so by entering it on your phone, they respond, " I'm sorry, I didn't get that ''. If you repeat, you get the same response. I called back and verbally gave my SS # and they took it, but when they asked the second question, I got the same response and the call ends. I actually tried one more time. This time they took my verbal SS #, but when I tried to answer their second question, they gave the same " didn't get that '' response and ended the call.

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 2018-10-01 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: MT

Complaint narrative:
I have been dealing with Naviant for many years. I have jumped through hoops time and time again. The last was the release of my co -signers. I did what they wanted and they still won't take them off. My loan has doubled in interest and I am paying them XXXX dollars a month and only XXXX goes to the loan. I was on a repayment plan and I was never told that it would expire. I was in the hospital getting a transplant at that time so i never thought about it. I am on XXXX and was lead wrong about that as well. It is sad that there are companies like this. I have been deceived by this company for many years. That is why i have more in intrested than the original loan. All i wanted was the release of my co-signers. I can not justify paying a loan that will never get paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Nothing happened, as usual. Equifax is the only CRA that fails to send me my free annual credit report every year I request it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a charge-off on my report that had been showing a late-payment from XX/XX/2016 ( making the 'Time Since Negative ' 2 years and some odd amount of months ). I paid the charge-off in full XX/XX/XXXX of this year. When I checked my credit report for Experian, it now shows a 'Time Since Negative ' of 1 month. I am not sure how that is possible given that prior to paying it in full ( mind you, I had made a previous payment on the account the month before and that didn't change it ), it listed a much longer 'Time Since Negative ' and that was correct. That shouldn't have been changed to 1 month for paying the past-due in full ( it is even reporting as 'Failed to Pay ' for the month of XX/XX/XXXX, even though I paid in full on the XX/XX/XXXX ). So, either Experian is reporting it incorrectly or XXXX XXXX XXXX is.

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