vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Noted extremely high late fee on XXXX statement, due date is XXXX of the month most payments were being received between the XXXX and XXXX of the month. Requested to close my account due to this activity. Company processed my account closure on XX/XX/21. The entire account balance was paid off through their website ( comenity.com ) on XX/XX/21. Received XXXX statement and noted a {$2.00} minimum interest fee charged to the account on XX/XX/21. Contacted the company ( XXXX XXXX ) on XX/XX/21 regarding the fee. Was told they could not cancel the charge since the account was closed and that I would continue to be charged late fees and interest if I did not pay. Asked to speak to a supervisor, was placed on hold for over nearly an hour and was told they would waive the {$2.00} fee. Was also informed that even though I made payment through their website I would have to know to click " save on the interest '' to have included that {$2.00} fee in my pay off transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
Debt has me as cosigner, no notification, or information to verify debt. Debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan # XXXX On XX/XX/2022 I submitted an application for mortgage assistance. We recently fell behind on loan payments due to medical for a baby that is due soon and this resulted in us missing payments. I have never received any phone calls or communication from my loan advocates. I submitted all required documentation to LoanCare within two days. They received the bank statements on XX/XX/2022. I received a letter on XX/XX/2022 asking for documentation on income. I submitted the requested information that same day. I have tried multiple times to get a response from LoanCare. I have requested my escrow statement to weigh my options and yet have I received that document. I am in California and the deadlines are approaching for the relief. LoanCare stated today the only recourse is a loan modification with a substantial rate increase. LoanCare is impeding my way to restoring my home loan and home retention options. They have continued to hang up, ghost, and ignore my requests. I have asked to do a partial claim several times. LoanCare stated that they closed that program on XX/XX/2022. They stated that they will not open any other options for my situation. This is odd that they are making these decisions without completing the packet. To my knowledge the VA partial claim is open until XX/XX/2022. I believe LoanCare is attempting to put veterans through modifications rather than partial claims due to the amount of interest accumulated over the life of the loan. LoanCare needs to adhere to all laws and regulations of VA home loans. XXXX # XXXX wouldnt let me speak to supervisor. He also refused to transfer to any supervisor or resolutions. He also stated that me making this complaint is going to far. XXXX # XXXX of resolutions is very rude and condescending.

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 2022-10-26 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I've sent letters to all XXXX credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. XXXX weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are Exeter Finance XXXX XXXX XXXX XXXX bank and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX authorities about the possibility of fraudulent accounts being opened using my customer information. I begged everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still shown in my documentation since they had been " confirmed. '' This issue frightens and bothers me since it makes it impossible for my family and I to purchase a home. On XX/XX/XXXX, I called the XXXX businesses again to inquire about how they could verify that these accounts belonged to me. They advised me to contact the debt collectors directly because they were unable to assist me further. Every bank that the client called and left a message with had been dialed improperly ; they had no idea who I was or what the accounts were about. I checked the internet to make sure I hadn't made a mistake. My friends recommended me to go to the CFPB website. I'm hopeful this will work because my family and I are eager to buy the house we've been looking for.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
I have a business account with Axos Bank. Back in XXXX of 2022 I was locked out of my account because of a 90 day mandatory password reset. When I tried to resolve the issue online, I was informed I had to call in to customer service. After being verified by their automated system, I was direct to a customer service rep, who also made me verify my information. After that I was told since it was a business account I would have to verify even more information. At the time, I did not readily have the answers to the questions they were asking. I had become so frustrated by the process I decided to try again later. It was such a terrible experience I kept putting off calling back to resolve the issue. When I finally did in XX/XX/2022, I was given the same run around of verification questions, with the included request, to email my ID and a selfie to them. I have never had a bank request something like that for a password reset. I am concerned this is fraudulent and extremely poor practices to keep my info secure. I have spent more than XXXX trying to get a password reset sent to the email account associated with the checking account. Any help in getting my money out of this bank would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
In XXXX of 2022, American Express offered me the option to upgrade my American Express XXXX XXXX to an American Express XXXX XXXX XXXX. The promotion for this upgrade was an award of XXXX Membership Reward Points after spending at least {$2000.00} in 4 months. I met all of the qualifications, and therefore I earned and was awarded the XXXX points on XX/XX/2022. 

I applied for the American Express XXXX XXXX XXXX XXXX and was approved for it on XX/XX/2022. The bonus of XXXX Membership Rewards points required me to spend {$3000.00} in the first XXXX months. I made XXXX eligible charges on the card on the first day I had the virtual card number that totaled to just over that amount, and American Express awarded me XXXX points on XX/XX/2022. 

Today ( XX/XX/2022 ) I tried to transfer the XXXX points I earned from these XXXX cards to XXXX XXXX for a trip my husband and I are taking in XXXX. However, American Express is now holding my points XXXX and are saying they need to review my account. They told me this could take XXXX weeks, which will cause me to lose a lot of money and have to cancel my trip. I would appreciate it if they could release these legitimately earned points for me and my husband to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MO

Complaint narrative:
I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAVE BEEN PROVIDED TO ME, THE CONSUMER. 
XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within XXXX these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/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 explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My federal student loans are being managed by Mohela. I submitted a form to them on XX/XX/22 for processing, and I needed this form for the purpose of public service loan forgiveness. On XX/XX/22, I received a message stating that the processing was delayed but I should get a response in 10 business days. As of XX/XX/22, two months after submitting the form, I have still heard nothing.

I called Mohela three separate times on XX/XX/22 to discuss this issue and to get additional info about my loans, but on each occasion I was informed that they can't take my call due to high volume. I tried to send them a secure message via their website but was unable to, because I just kept getting sent back to various links with irrelevant info. There are no other options for contacting them offered on their website. 

It is completely unacceptable that I am not able to get in touch with my loan servicer in any capacity. I have questions that need to be answered and it's literally impossible. This is a serious issue and I hope that people are providing adequate oversight for Mohela because their behavior should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I contacted MBA Law in regards to this collection they are reporting to my credit report. I sent the original debt validation letter on XX/XX/2022. This debt doesn't belong to me please see the attached FTC report and also the original letter sent XX/XX/2022 Please remove this account from my credit report XXXX and XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: MO

Complaint narrative:
I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAS BEEN PROVIDED TO ME, THE CONSUMER. 
NONE OF THE PROPER CONSENTS ( SIGNED BY ME ) TO FURNISH THIS INFORMATION HAVE BEEN PROVIDED TO ME XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within reporting these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MIDFIRST BANK
State: TX

Complaint narrative:
Midland mortgage company in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the XXXX and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!

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 2022-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, 1 reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and XXXX responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX XXXX  ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )

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 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trust Financial LLC
State: ID

Complaint narrative:
They billed for an exact amount and eventually filed a lawsuit for a debt that was paid in XXXX of XXXX and in XXXX of XXXX. We explained several times and produced documents where we paid the medical bill. Now they are going after XXXX and with filing fees and other fees they are now saying {$160.00} for attorney fees as well, for a {$620.00} total. 
Again we paid the debts on XX/XX/2020 and then the XXXX billing on XX/XX/2020. PIF We have wasted an extreme amount of time providing them with this information and because of their poor recording keeping, Trust Financial, XXXX XXXX as well as XXXX XXXX XXXX XXXX are still chasing the original {$160.00} plus now additional fees. 

They are chasing after old debt without double checking their payment records and even after providing they are continuing. We believe due to new rules related to the reporting and collection of medical debt they are wrongfully going after older medical bills against employed debtors. But in this case they have it wrong. 

Furthermore, they served my father at his house and I havent been at that address for over XXXX years and I was mortified at the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I HAVE A BILL FROM CASHNETUSA FOR XXXX. I HAVE NOT TAKEN OUT ANY LOANS FROM THIS COMPANY. I CALLED THEM AND GAVE THEM MY NAME AND THE ACCOUNT NUMBER OFF THE BILL XXXX AND COULD NOT GET ANY INFORMATION FROM THEM. THEY WANTED MORE OF MY INFO AND I REFUSED TO GIVE THEM ANY AS THEY HAVE MY NAME AND THE ACCOUNT NUMBER TO USE FOR REFERENCE. THIS IS ALL THE INFO I CAN GIVE, AS THEY REFUSED TO GIVE ME ANY UNLESS I GAVE THEM MORE OF MY INFO. I HAVE NO BUSINESS WITH THIS COMPANY, SO I DO NOT KNOW HOW THEY THINK I OWE THEM MONEY. I THINK I DID A FBI SCAM REPORT LAST TIME I GOT A LETTER FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE SEE ATTACHED FOR MORE INFO INCLUDING FCRA 605B

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 2022-10-26 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: CA

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE SEE ATTACHED FOR MORE INFO INCLUDING FCRA 605B

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

Company response to consumer: Closed with explanation