vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 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: OH

Complaint narrative:
On XX/XX/2018, I made a {$5000.00} payment to my loan. This payment is not a monthly payment, as my loan is currently in deferment while I attend school. It is an extra payment. I have asked via phone and submitted via letter standing instructions for all extra payments to be directed towards the interest of my unsubsidized loan, followed by the principle of my unsubsidized loan, followed by the principle of my subsidized loan. 

Despite this my payment was automatically divided up between my direct subsidized loan and my direct unsubsidized loan. On XX/XX/2018 I called XXXX XXXX and spoke with a representative requesting that my payment would be distributed in the order specified above ( first to the unsubsidized loan components, then any remainder towards the unsubsidized ). Because the {$5000.00} payment was more than the remaining balance of principle and interest on my unsubsidized loan, I asked the representative to ensure that the unsubsidized loan balance would be paid off in full. She confirmed that this would be done. 

Shortly before XX/XX/2018, I noticed that the XX/XX/XXXX payment had been redistributed. {$4300.00} had been applied to my unsubsidized loan and the remaining {$620.00} was applied to my subsidized loan. However, my unsubsidized loan still held a balance of {$100.00} principle and {$1.00} interest. 

On XX/XX/2018, I called XXXX XXXX to ask why the XX/XX/2018 payment was not distributed according to my instructions and had an unsubsidized loan balance remaining. The representative said that my instructions were clearly stated in the call request and she did not know why the balance was not reapplied as I instructed. I spoke with a supervisor who flagged the issue and sent it to the accounting team. She assured me that my payment would be correctly distributed and visible in my account within 1-2 days. After a week the payment has still not been applied according to my instructions. The unsubsidized balance continues to accrue interest and carries a {$100.00} principle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX offered 20 % off if you provided an email address when you first visited the site. I did that. loaded items into the cart and then received a pop up for additional 20 % off your first order today when I applied for the XXXX XXXX XXXX Mastercard. The code was never provided and they would not honor an additional 20 % claiming they could not stack coupons. This was bait and switch. VERY MISLEADING I called the company, the lender and the rewards dept and customer service none of which would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I noticed a hard inquiry that was on my credit report from XXXX/XXXX on XX/XX/2018 which I didnt request. 

I called their customer service number and the rep told me they do these randomly to increase credit limits. I informed her I dont need a credit increase and she told me there was nothing she could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: VA

Complaint narrative:
I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX  Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Questions such as how many file complaints against Citizens Bank for not lowering payments and helping people like myself get a lower payment that I can do? What about putting these two loans together to make one low payment. I don't get this. I thought a company like Citizen 's Bank would help consumers like myself? Why are there no options for me and others like myself in the USA? 

Why is this? Why would CB not help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Credit Card " restricted '' my card for possible fraudulent purchases. Called to verify the restricted charges and was told that it could not be re-opened. That a fraud report would need to be filed and new card issued even though there was NO FRAUD. The company would not be able to re-open my account so I can continue to make purchases. I explained that I had automatic payments assigned to the card and that it would be a major inconvenience when there was no issues or attempted fraud. Also I would need to wait for my new cards 6 business days or pay approximately XXXX dollars for EXPEDITED delivery. This is ridiculous and reeks of bad service for a exemplary customer with no late payments and stayed with in credit limit for over 15 years. I am severely disappointed, angry, and frustrated with Capital One. I will need to review whether I stay with Capital One. If I am able to find a lower percentage rate, I may consider moving my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as Experian you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email XXXX XXXX a XXXX to Trans Union and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX  bank line of credit, XXXX  card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX  dose not have my XXXX bank line of credit on there as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and Equifax for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
This debt was settled and guaranteed there would be no reporting or collection efforts filed by this debt collector, RPM if I would agree to a settlement, so payment arrangements were made on XX/XX/XXXX in the amount of 4 payments for {$370.00} first being drafted on XX/XX/XXXX, second payment paid XX/XX/XXXX. RPM has collected 2 of the 4 payments with two left, 1 due to be paid on XX/XX/XXXX and the other to be paid on XX/XX/XXXX. This company has now falsely reported this debt with no regard to our arrangement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC  laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed a charge to my PayPal credit account about one month ago, submitted supporting documents proving that I did not received merchandize the charge was taken for. PayPal has not responded to my dispute, nor they did any provisional credit to my account. That's a long time! Inadequate service. I need a refund immediately.

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 monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The Collection was opened on XX/XX/2016 for the amount of {$940.00}. The reason of the collection was because I refused to pay the company due to the fact that my card had been stolen and used to its max by someone else. After repeated attempts of telling the Company that the card had been stolen and used by someone other then myself, the company refused to disregard the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i was re evaluated for a loan modification ... 

i was told i still didn't qualify due to my income was low debt high i advise my spouse give me child support and he will help with the mortgage payments i was still told my income was not enough. 

apparently because i do knothole a court order for the cild support and housing support they would not take it into consideration yet i am not legally divorce and my husband is equally responsible for our house hold expenses yet they are refusing to acknowledge his income of XXXX a month. 

i feel they are being unfair on this matter i appealed the denial and was further told this so its okay to not accept income due to it not being court ordered yet they will accept him not residing with us and its not a court order? 
makes no sense and it seems unfair we can afford our loan yet the bank is refusing to approve us stating we can not they requested my husband pay stubs and XXXX which we sent over yet only to be told he doesn't live with us my husband support me and our XXXX kids yet we can't get a loan mod with his income included only my income is looked at thesis crazy ... he's on the deed of the house so he's equally entitled to it. 

my husband is more than happy to move in back with us if this will eliminate thinly notion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Collection was opened on XX/XX/2018 in the amount of {$470.00}. After my 6 month plan was paid for in full and had come to an end, the company went to wrongly renew my policy after I had to told them I will not be renewing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There is a name on my report that is not mine which is XXXX XXXX i have never been by that name and always went by XXXX XXXX i am asking for you guys to remove the incorrect name on my file and the bankruptcy that is on my file is not mine its not my name please remove anything that has XXXX XXXX on it off my report please and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Reported Account Number : XXXX Reported balance : {$110.00} XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. On XX/XX/2018 I sent a letter to First Credit Service at the  postal address stated as their mailing address taken from my credit report. The letter was delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have experienced Identity Theft and I am still recovering from the turmoil. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed First Credit Service that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated  account from my credit reports

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation