vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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: VA

Complaint narrative:
On XX/XX/XXXX I was notified through XXXX that changes had been made to several of my accounts. When I logged into XXXX to view the changes I discovered that three department store credit cards that I had through Comenity Bank , Lane Bryant, XXXX XXXX, and Torrid had been closed unexpectedly. Ive had these cards for 13 years, always paid on time, never late with payments, and saved enough money to pay all three cards off towards the end of XXXX. I havent been using the cards, Ive been making purchases at the stores using cash because I was working on reducing my credit card debt as Im in the process of reducing debt for another home purchase. It brought me to tears to see that my credit score dropped by XXXX points due to Comenity closing all three of my accounts. Despite me being a long time, paying as agreed customer, they chose to close my accounts without warning or notification. I called Comenity and spoke to XXXX who first advised that I should have received a warning that my account was going to close due to inactivity but when he searched the records he didnt see where any letters were sent to me. My email, address, phone number were all correct and up to date. XXXX escalated to a Manager or 2nd voice who advised him that a warning was sent to me then later came back and said that only California residents receive warnings, all other states do not. I requested reactivation but I was advised that couldnt be done, I would have to reapply. So the companys actions of closing my account already resulted in a XXXX pt reduction in my credit score and now they want me to take another hit by applying for new credit- that doesnt make sense to me. I think its unfair and deceptive to take a good customer and penalize them without notice. Had I been notified I would have used the cards to prevent deactivation since they are saying it was closed due to inactivity. The actions of this company should be investigated to ensure they are not targeting specific demographic classes and causing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
I sent a debt validation letter to the collection agency requesting documents for what I owe, my personal information was provided to the collection agency without my consent and I didn't receive proper paperwork documenting how much I owe prior to the collection agency reporting it to the XXXX credit bureau. I paid a portion of the debt without verification until I did my research and found out that, the said information should have been provided to me. I would like these derogatory collections removed from my credit report from the same collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: AK

Complaint narrative:
In 2007 XXXX XXXX and XXXX sent recruiters to high school classrooms giving them an air of legitimacy. 
I showed interest as a XXXX XXXX XXXX and was aggressively marketed to, including multiple calls during school hours. Many claims were made by recruiters about accreditation and legitimacy of degrees. 
Excited to have been accepted in to a school with an allegedly good reputation I took out a federal loan to pay for part of my education. I took out around {$30000.00} as a fresh new adult. 

In the more than decade after graduation I have gone from entry level job to entry level job. Barely being able to access health insurance. The XXXX XXXX that seemed so important had counted for very little and making even the lowest payments has been a challenge. My interest rates have left me with more than {$10000.00} more debt than I started with. Loan servicers have bought and sold the debt multiple times making it difficult to keep track of. 
I feel that I have been scammed and that the federal government has legitimized it. Even after XXXX and XXXX have been listed as bad actors this debt has grown and stunted my ability to take major milestones in life. 
I was further insulted when after organizing with other student to amass our stories and data to show this fraud we were denied in blanket denials from the department of education. 
These predatory loans and schools should not be accessible to high school students trying to make their lives better and follow the instructions put out by their peers and educators. 
I thought I was bettering myself not damning myself by getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding LLC at XXXX XXXX XXXX  XXXX, SC XXXX Has been sending me collection notices in the amount of {$2300.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: R & B Corporation of Virginia
State: NC

Complaint narrative:
I do not owe any money to this business and I am unaware of said collection. This debt collector is in violation of 15 U.S. Code 1681 b. Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report anything on my consumer report no consent is identity theft. Please remove this inaccurate information from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. 

The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My wife and I sold our home and relocated to XXXX  from XXXX and wanted to purchase a new home. We have had a mortgage with Bank of America since XXXX. Our credit history is exemplary with BOA and over credit score of XXXX. Our income at that time was {$8400.00} with only debt being student loan ( {$55000.00} ) we had the proceeds from the sale of our home, and we were willing to put $ XXXX {$100000.00} down. Bank of Americas response to us was a question : Can you get a co-signer. We were stunned and this response has never settled well with us. 
This all took place in XXXX of XXXX. We had a few deaths in the family before this and after as well, so we didnt have the mindset to follow 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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent EQUIFAX a cease and desist, affidavit of truth and bill of particulars on XX/XX/XXXX. I have let EQUIFAX know that they are breaking federal law and violating my consumer rights. EQUIFAX is still reporting NEGATIVE accounts on my consumer report with my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I tried to make a deposit of {$500.00} at an ATM of the XXXX XXXX  and the operation could not be carried out effectively and I have the tickets that prove what happened. The biggest problem is that since my account belongs to chase and not XXXX, they don't help me because they say they don't have access to that ATM and they don't contact XXXX either. XXXX doesn't help me either since it says that chase has to claim and they can't talk to me directly because I'm not a XXXX  client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NV

Complaint narrative:
I submitted a letter by mail XX/XX/2021 asking for a method of verification on an unduly inaccurate collection account reporting to my credit. The company failed to provide me with a method of verification within 30 days of receiving this request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Fubding LLC Has been sending me collection notices in the amount of {$870.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is violating my right of having a credit freeze added to my credit file maintained by them in a timely manner pursuant the The Economic Growth, Regulatory Relief, and Consumer Protection Act. I was able to add such a freeze to my credit files maintained by XXXX in less than an hour, and I expect the same from Experian. 

I tried adding a freeze to my Experian credit file but once I finish filling out the form the website tells me Experian is unable to 'honor " my credit freeze and asks me to send in multiple documents including a police report showing I had reported fraud which doesn't even apply to me ( I have attached a screen shot of this screen ). 

On the same website, it also tells me that I have the right to request a credit freeze by phone stating, " If you wish to use one of our fraud prevention services, such as add or remove a fraud alert or security freeze, you can do so by visiting experian.com/help, calling XXXX XXXX XXXX  ''. When I try calling XXXX, an automated prompt answers the line and does not give me the option to request such a freeze and I believe such to be a deceptive trade practice as a consumer in the state of Texas XXXX I made an audio recording of these calls and will provide them if requested. 

I am making this complaint because I intend to bring a civil action if this does not prove effective in exercising my right to having a credit freeze added to my Experian credit file in a timely manner and in a manner compliant with laws intended to protect the rights of consumers.

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 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I fell behind on my mortgage, and applied for a deferment, but Mr. Cooper is not reviewing me for any assistance plans. Im just looking to communicate with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello XXXX XXXX XXXX of XXXX Texas. Since the end of XX/XX/XXXX I havent been able to have access to my account nor have any funds via Chase Bank. Ive been calling and going into different branches almost everyday since XXXX and still the same result. Were told that I would receive my check around thanksgiving holidays but now its XX/XX/XXXX and Im still without my money. Im reaching out for my story to be shared so I can receive assistance to gain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: AL

Complaint narrative:
Equifax is reporting a duplicate acct on my credit file from XXXX XXXX that they have failed to validate..I have previously disputed this info 30 times with no relief in site... I would like equifax to follow the law and valid the acct or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I did not consent to, benefit from, or authorize any of the following account : Wells Fargo - Account # XXXX for {$3000.00}.

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 2022-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I started the loan application process for a loan. I closed on the property on the XX/XX/XXXX. The drama that ensued in that time period was monumental. I will indicate a few things in this drama. The loan officer was so incompetent. I had to restart the loan application process 3x because he wasn't able to find the application online. Due to his incompetence it delayed my closing date and this causing me to live in a one room shabby motel with my family for three weeks! Also because he never looked closely over my application he missed that I had a forclosure. The application for the conventional loan was now null and void. I had to reapply for a FHA loan, which also had points, so my loan was larger and I was in a loan with XXXX. If I had known I was going to be in a FHA loan I would have waited to apply for a loan after my seventh year which was in XXXX. Unfortunately by the time the discovery was found my offer for a home was accepted and I also agreed to put down {$10000.00} on the home, if I didnt go through with deal I would lose the money.No apologies from him. Just recently long after closing on the house and moving in, he asked if we had a document that we sent him a long time ago to provide him with because once again he misplaced something from my file. Today XX/XX/XXXX I got a letter dated XX/XX/XXXX from the bank that they don't have any proof of home insurance, which once again I provided to him on XXXX lack of customer service across the board with Santander Bank is truly unbelievable. I regret with everything in my heart I applied to this bank. I've had enough with Santander Bank 's incompetence in particular this Loan office.

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 2022-02-05 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: GA

Complaint narrative:
I have sent Experian a cease and desist notice, affidavit of truth and bill of particulars notices. I have called Experian numerous times to dispute inaccurate, unverified and unauthorized items on my report. Experian has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.

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 2022-02-05 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:
The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess. 
My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent transuion a cease and desist notice, affidavit of truth and bill of particulars notices. I have called transuion numerous times to dispute inaccurate, unverified and unauthorized items on my report. Transuion has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.

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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Dear Sir/Madam, It's been three month as I, being on vacation in XXXX, sent XXXX Euro through Western Union to my account in USA, where I live. I got a receipt and left home. 
My transaction was canceled in a couple of days for unknown reason and the money were returned to XXXX, but, at that moment, I already was in the USA. 
Western Union said that in order to get my money, I have to go back to XXXX again. I can not get it in USA even though they have a copy of my ID, passport and a copy of the receipt, and I can not have a proxy either. 
I made numerous calls, sent emails but get only automated responses I filed a complaint with your office in XXXX. After that, on XX/XX/XXXX, I got email from Executive Resolution Department of XXXX, saying that they have an option to issue a mail refund for me, provided I submit my passport and proof of address and they would follow with me within 48 hours after that. 
I emailed everything and have not heard from them since XX/XX/XXXX. The tel number they provided XXXX is not a working number Please help me to untangle this conspicuous situation. 
Thank you, XXXX XXXX P.S. I can send to you a copy of their XX/XX/XXXX email if you need it

Company response to consumer: Closed with explanation