vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
these are not my accounts and I would like them removed asap as I have already did several disputes with XXXX. 




Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account  Balance on XX/XX/XXXX Credit Limit {$30000.00} XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from FIRSTPOINT COLLECTION RESOURCES INC, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692f ( I ) & 12 CFR 10006.18 ( 2 ) ( i ). FIRSTPOINT COLLECTION RESOURCES INC is now civilly liable to pay for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
This company told me that they would do a soft pull to do a pre approval on an Auto Loan. They lied. They hard pulled my credit and then lied about it again when i called to get clarification. Only after i talked to a manager did they admit to hard pulling my credit report. They lied and negatively affected my credit score because of it

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 2022-01-27 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: WI

Complaint narrative:
For a couple years now, XXXX is the only report I can get on annualcreditreport, com. XXXX always errors out, and Experian always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while XXXX and Experian are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
They need to report my current student loan in its proper status. It has been placed on forebearance while I'm in Borrower Defense. I'm fairly certain that the servicer has sent them the information but they ignored it. Why I don't know. See attached and update the account appropriately.If I have to ask again, then a law suit will be filed. The account has been in forebearance for several years while a law suit in CA is being settled. Report it correctly or be 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Agreed to a 12 month settlement agreement with American Express. The offer was to settle for {$1000.00}, spread out over 12 months, for payments of {$87.00} per month. The settlement was set up as automatic payments through my debit card. After my 10th payment, my debit card was scammed and I had to get a new debit card, with new card number from my bank. Immediately after receiving my new card, I called American Express and explained that I needed to change my card number on file, so that my last 2 payments could be charged without any issues, kickbacks or delays. I was told that the way it would be handled was the original settlement agreement would be closed, and a " new '' settlement agreement was set up with my new card number, for the last 2 payments. The final payment was made to my card in XX/XX/2021. It has been 2 months and there is still a balance of {$1200.00} showing up on my credit reports. I have tried to dispute this several times, and the dispute comes back as " verified as correct ''. I then tried to call American Express to ask what was going on and was told that I still have a balance because I did not make the payments on time per the settlement agreement. How did I not make the payments on time if they were automatically charged to my debit card by American Express? The response was that the last 2 payments were not made. I explained the situation with my debit card, and was still told that the year 's worth of payments that I made did not count towards my settlement agreement and therefore I still owe the remaining balance, and that's why it shows up on my credit report. When I click the email links to view the full terms of the settlement agreement, I get an error message that says " this page is not available '' so I can not even prove to them that they are violating my settlement agreement. I made all 12 payments, as agreed, and they are fraudulently breaching the settlement agreement and reporting an untrue balance. This needs to be updated immediately or I would like a refund of all payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern it seems XXXX XXXX and equifax are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: SC

Complaint narrative:
About XXXX, my spouse and I were encouraged by our lenders to consolidate our Direct Loans into one large Joint Spousal Consolidation Loan. We were advised that our payments would go down as would our interest rate. We quickly found our payment increased and the interest rate went to 7.8 %. Our Loans then became XXXX  Loans. 

As both of us are public servants, the MOMENT the Public Student Loan Forgiveness program began XXXX, we enrolled. At no time were we ever told we were not eligible for the program! We would faithfully resend out application every year because we were so afraid something would go wrong. we rarely received a response to our application and usually it was only a 'thank you we received you paperwork ' type of letter. 

Then in about XXXX, after faithfully paying for almost SIX YEARS, we were told we did not qualify for PSFL, as our loans are XXXXXXXX Loans and make us ineligible. At NO time were we ever told that we would not qualify for the program until then. We were crushed but continued to make timely payments to the exclusion of helping to pay for our childrens education ; forcing them to take out student loans of their own. 

We've prayed that something would change, and because we believed in the PSLF program, we both choose to stay in Public Service, forgoing other potentially more lucrative positions. 

In the last few years, we were advised by FedLoan to consolidate our XXXX Loan into a Direct Loan thereby making it PSLF eligible, but of course, our clock would reset to zero. Then we were told we could not do that because our Spousal Consolidation XXXX  Loan makes us ineligible for Direct Loan consolidation so " Don't bother ''. 

Our loan debt is currently a crushing {$160000.00} with a monthly payment of about {$1500.00} ; which we over pay every month. We have always felt paying the loan principle was fair, but we can not ever rise above the capitalizing interest! In XXXX we owed {$150000.00} and today, in XXXX we owe {$160000.00}!!! 

We have trusted FedLoan and our many servicers to guide us but we have been given 22 YEARS of miss information every time we call. We trusted the Department of Education and FedLoan to honor the PSLF for EVERYONE who faithfully followed the rules, but we have been left behind yet again, unable to have our XXXX SPOUSAL Consolidation Loan forgiven even after 16 years of faithful payments and decades of public service. 

The XXXXL SPOUSAL Consolidation Loans must be PSLF eligible but we do understand this will take a bill to be passed. FedLoan has given us, and many, many other people wrong advice and we have all suffered for it. We would NEVER have considered Joint consolidation if it hadn't been suggested to us as a smart move by The Fedloan persons we spoke to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I was approved for the XXXX XXXX credit card on XX/XX/XXXX. During that time period the largely advertised intro offer with this case was XXXX rapid rewards points. It was XXXX after XXXX spend. Then additional XXXX points after XXXX spend. Being such a great offer I applied for the card. I noticed shortly after on my chase account that it said my offer was XXXX points after {$500.00} spend. I believed this to be a glitch that would be corrected after awhile. Being now XX/XX/XXXX and never being corrected I contacted chase. They told me they were running 2 offers at the same time. ( One being much less valuable ) and that I must have used the channel for that offer instead. They refused to give me any additional compensation including matching the current offer or XXXX points. I believe this is a clear example of bait and switch. They advertise in big bold letters everywhere XXXX points. Then somehow sneak the XXXX Link in front of you. I am not the only one whos been impacted by this after checking XXXX, XXXX, and the southwest customer questions area, they have done this to numerous people. Then refuse to do anything about it. I canceled both my credit cards with chase and closed my checking account. I will also probably stop using Southwest Airlines which sucks for them because its not their fault Chase uses deceptive and immoral tactics. But unfortunately Ill probably get a new airline card so itll keep me from using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I mailed this company a letter on XX/XX/XXXX with i response. I called XX/XX/XXXX and representative advised me they received the letter to validate this debt. Today is XX/XX/XXXX and I have not received a response from them. 
Pursuant 15 usc 1681g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received XXXX calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person XXXX XXXX was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to Capital One Platinum Card. I told them that I currently have several accounts with Capital One and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
XXXX deleted my account and their entire payment website in XXXX without providing any notice or alternatives to payment. I attempted to call their customer service line twice without being able to reach anybody ( left after waiting in call queue for more than an hour ) in XXXX, and by the time I was finally able to get someone on the phone on XX/XX/22 I was informed my mortgage payment had been reported as late, even though I made the payment over the phone immediately. The reason I needed to speak with someone before making the payment was that the old website I had bookmarked to make payments with had been showing a 404 not found error during XXXX, and appeared to have been updated in XXXX to forward users to their new website. When I tried to sign in with my account information I was informed my account had been deleted and that I had to register to create a new one before making a payment. Since I hadn't received any call, email, or letter from XXXX informing me of this change I was suspicious that it may have been a phishing attempt to access my mortgage account and information. After finally reaching a real person at XXXX who could confirm that there was a new website I accessed it but was not able to submit or schedule a payment as the payment amount fields were broken and there was no button or other option to actually click on to submit a payment, so I made the payment over the phone immediately. I was assured by the same person that this had been a common issue and that other people were also having issues accessing the new website so it would not be considered late. The late payment is still showing on my credit report and after contacting them again to remove the late payment I was told they couldn't help me at all by an overworked customer service agent who rushed me off the phone immediately after waiting in the queue for 35 minutes. I have submitted disputes with the 3 credit bureaus since I believe this was an unfair business practice that probably caused many other late payments with their customers. I have otherwise never missed a payment and this unfair mark on my credit report will show up on pre-employment screens and affect my ability to relocate for potential job opportunities or refinance, buy, or sell a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I received an email from Lakeview XXXX  on XX/XX/XXXX for disbursement of property and water tax in the amount of {$2800.00}. I communicated to them through email and phone XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( phone call ), and XX/XX/XXXX in regards to the payment made and that the amount due was supposed to equal to {$5600.00} and they only made half the payment. I communicated to them several times that due to 50/50 homestead due to XXXX  owners on same mortgage loan they would have to make payments for XXXX  separate accounts and even submitted invoices for both accounts to show proof that this was the case. The county and water company have both myself and the other owner separate accounts as this is how they advised me to apply for homestead, but the mortgage company has failed to update me or make the other payments, causing the account to go delinquent and owe more on taxes now.

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 2022-01-27 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: DC

Complaint narrative:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been brought to my attention that Experian is not reporting correct information to my credit report. My FICO score and my XXXX XXXX monitoring score are completely different. Also, I have incorrect and inconsistent information reporting on my report. I need my score as high as possible and it is unfortunate because many items are preventing positive scoring. This is affecting me as a consumer negatively. 

I have contacted Experian and they can not and have not helped me. This is the only credit bureau negatively affecting me and preventing me from the higher score that I have worked hard to maintain. 

I have XXXX credit cards and XXXX secured loan not reporting on my Experian bureau at all. 

XXXX as an authorized user opened XX/XX/21 @ {$18000.00} is not reporting on my Experian. I also have this address listed on my credit report. 
XXXX opened XXXX XX/XX/21 @ {$500.00} is not reporting on my Experian. 
XXXX XXXX opened XX/XX/21 @ {$200.00} is not reporting on my Experian. 
XXXX opened XX/XX/21 @ {$600.00} is not reporting on my Experian. 
XXXX secured loan opened XX/XX/21 XXXX @ {$500.00} never reported to my Experian. 

I need these XXXX good history accounts to report to my credit immediately to boost my score and help me secure my financial goals. This is preventing me from receiving the benefits and hard work I have put into my credit to pay my bills on time. This is affecting me very negatively.

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 2022-01-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Sent Equifax a letter stating I wanted a investigation into 5 of my accounts that I feel are inaccurate. Its now 45 days and I haven't gotten a response from them about my investigation

Company response to consumer: Closed with explanation