vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX XXXX council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: NJ

Complaint narrative:
Company XXXX XXXX, its a jewelry store. The bank credit card is Comenity Bank  XXXX XXXX XXXX XXXX Ohio XXXX. I purchased in XX/XX/2019 a watch in their store in XXXX.I opened an account to get a promo of interest free for 6 months. My first due bill arrived mid XX/XX/2019. I do my online banking thru my bank to pay my bills. I sent them my payment right on time to be paid on the due date XX/XX/XXXX the amount of {$610.00}. When I received my next bill in XXXX, they charged me {$27.00} dollars late fee which I was not late paying them. I called them and explained to them that my bank told me that it was paid on time XX/XX/XXXX the due date and I have a proof of payment that they got my payment XX/XX/XXXX. The Credit card Comenity bank insist that they received my payment XX/XX/XXXX. Mind you the month of XXXX is short, I made sure they get the payment right on time XX/XX/XXXX. They are not very helpful, they are very abrupt and nasty. I even ask for the supervisor and shes the worst Person I ever spoke to. I even called the store in XXXX and spoke to the person I purchased the watch and she said shell look into it and she said the bank dont remove late fee once they applied it to your account. Im not late paying them, Im on time. I have a good credit line, I pay all my credits on time. I never have any issue with any credit card company. XXXX bill, I paid off all the balance of {$1000.00} and told them to close my account. XXXX bill, they sent me a bill of {$27.00}, which was the late fee they are charging me for XXXX, which I was not late paying them. I called them again and they told me to send them a proof of payment so I went to my bank physically and obtained a copy and sent it to the above PO Box address. They never respond .Now its XX/XX/2019, they send me another late fee and they multiply the {$27.00} so they claimed I owe them now {$54.00}. Mind you I paid everything and now they are after me for a {$27.00} late fee that I did not do. I called them again and they threatened me that they just keep multiplying the XXXX every month. What kind of bank is this? I was not late paying them. I was on time and my bank confirmed that they sent it on time .Its only XXXX but its the principle that Im fighting. Im a good customer, I always pay my bills on time and if its my mistake I will do whats right but I did nothing wrong. I paid them on time! Its a scam!!! They are trying to ruin my credit because of their mistake. Please help me solve this problem.. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I borrowed approx 5000.00 dollars from rise credit. I paid a lot of it back but then had problems paying. I contacted a pay day loan negotiator service XXXX XXXX XXXX XXXX. I paid them several thousand dollars to help negotiate with Rise Credit. There were trying to negotiate a settlement with Rise credit but was not able to so I stopped paying them too. I borrowed approx 5000 and rise has reported to credit bureau I owe them XXXX! I tried to dispute it via XXXX  disputes process but it remains on my credit report. Charging a fee of of double I borrowed that is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
per midland funding website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. midland funding was charged {>= $1,000,000} by 42 states in 2018 for bad practices. statue of limitations has passed. midland funding & the company they bought the debt ( XXXX XXXX XXXX ), must remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
per XXXX XXXX website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. XXXX XXXX  was charged {>= $1,000,000} by 42 states in XX/XX/2018 for bad practices. statue of limitations has passed. XXXX XXXX & the company they bought the debt ( one main financial ), must remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I have two accounts with Bank of America that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the ~5k balance {$100.00} a month for the acount with the ~16k balance. 

Bank of America has not recorded these payments on the credit reports. 

Also, Bank of America has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you 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 2019-05-11 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: GRANITE STATE MANAGEMENT & RESOURCES
State: MA

Complaint narrative:
On XX/XX/XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XX/XX/XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XX/XX/XXXX on my student loans from XXXX and Granite State Mangement, both XXXX and GSMR agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and Granite State Management and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But Granite State Management status is listed as Open as Unknown. I called Granite State Management and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and Granite State Management repeated the same and said they were not obligated to clear it up now. I complained to XXXX,  XXXX and XXXX and they say I have to get Granite State Management to clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: MA

Complaint narrative:
Hello, I have two accounts with XXXX XXXX XXXXXXXX that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the XXXX balance {$100.00} a month for the acount with the XXXX balance. 

XXXX  XXXX XXXX has not recorded these payments on the credit reports. 

Also, XXXX  XXXX XXXX has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you 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 2019-05-11 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: MA

Complaint narrative:
On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX  and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and Equifax and they say I have to get XXXX XXXX XXXX to clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: MA

Complaint narrative:
On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from Experian and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to Experian, XXXX and XXXX   and they say I have to get XXXX  XXXX XXXX to clear it up.

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 2019-05-11 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: MD

Complaint narrative:
I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains XXXX  XXXX XXXX. I make over {$150000.00} a year, yet Equifax says my credit score is XXXX! Please help ... ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: MD

Complaint narrative:
I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....

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 2019-05-11 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: MD

Complaint narrative:
I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....

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 2019-05-11 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am having my payments returned again. I can not get them to accept my payments. Through their response to my complaint they told me to change where I send my payment. This company keeps changing the rules and I keep being punished for it. Now they are applying charges to it as well. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Performant Financial Corporation
State: NC

Complaint narrative:
Attempts made to contact Performant Recovery  to get a record of the payments they garnished from my wages are being applied to the student loan. I need a monthly record the payments are being applied along with the balance.

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 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My loan has been sold 4 times, everytime I call they provide me different information. I have submited 3 packages for modification and the investor has denied every one of them. I have provided pay stubs and spreed sheets to prove I can afford to make my payment. I was capture in XXXX with my XXXX XXXX team I was dress as a civilian, I am a XXXX agent. They torture me and beat me every day. They dislocated  my two XXXX I had two XXXX they requested a ransom XXXX to let me go my family sold everything, my brothers and sistets put the rest of the money to pay the ransom. I was captured XX/XX/2017 for 9 months. After came back I had a XXXX XXXX. That's why I am 26 months behind. I started a technical consulting company XX/XX/XXXX and producing income. However Shellpoint and this investor dont want to help us to get a modification. Even when they are seen my income. We dont have nowhere to go my baby daughter just had a XXXX in her two XXXX  the recovery will take 7 months and then therapy. 
Please help us save our home I have gave my life for country now I need my country to help me. I have a derail hardship letter, badge and deployment orders please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : Ref CFPBcomplaint # XXXX It seems if XXXX XXXX delegates problem and perhaps rather than send form letter raising payments and contact XXXX County Auditor 's office as asked this matter could be resolved contact XXXX XXXX extension XXXX ref to any questions approved for 4 % tax 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 2019-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have an unsecured loan on my credit that is not mine. I don't know how this company got my information or if this is an error : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ph # XXXX. 
Date opened XX/XX/2019 Balance is {$4500.00}. 
Please remove from 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 2019-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In XX/XX/XXXX I made all of my loans direct loans in order to participate in the Public Loan Forgiveness Program ( PSLF ). I worked with an employee of XXXX XXXX XXXX to get everything in order to begin the program of making 120 qualifying payments to then be forgiven. I went on the repayment plan I was told I needed. I paid on time for years. On XX/XX/XXXX during my annual review I spoke to an employee who told me I had made 33/120 qualifying payments. On XX/XX/XXXX I faxed over my annual employment certification form and annual documentation of income for repayment recalculation amounts. On XX/XX/XXXX I was informed via phone that I only had 11/120 payments qualified! Since I should have been well over 40 I was shocked. I spoke to many different employees and was told in the end that I wasnt on the correct repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to their error, I now have only 59 qualifying payments towards PSLF when u should be at 120 soon. They provided incorrect information to their borrower and are doing it to many. If this situation is not remedied and my qualifying payments are not adjusted to reflect the 33/120 that I was given on XX/XX/XXXX I will hire a lawyer to expose what they are doing to make this process practically impossible for all. Thank you for your help in trying to remedy this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX and XXXX, 2019, I repeatedly received an error message from EXPERIAN when requesting a copy of my credit report. I was able to log in to the account and lift the security freeze temporarily, but I need to see the report to check for inaccurate information.

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