vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my XXXX XXXX credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called XXXX XXXX and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43  years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XX/XX/2019 I received a debt collection letter with no option of to dispute. This has gone far enough. These creditors are violating my rights. This not the forst time I have had an issue with this credit collection company. I have filed a previous complaint against them. 

Account number XXXX And how does 2 different creditors outside of the original creditor have this in their companies system. Who is exactly handling this account? This is very very alarming to me. I am absolutely bothered by this. Who is XXXX XXXX and Radius Global Solutions and why are both handling my account with personal medical information on it. This is absolutely scary and this must be handled. Other identifiable account number XXXX from Radius Global Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: GA

Complaint narrative:
XX/XX/19 - XXXX XXXX ( XXXX XXXX ) called my job regarding my outstanding balance. I do not dispute I owe, but due to illness and financial hardship, I do not have the funds. I was advised I had to make 2 payments by XX/XX/XXXX back on XX/XX/XXXX. They have called me 3-5 times per day every day except Sunday. No matter what you try to set up, they call. I have begged them to help by reducing my interest rate, they will not. They did put some of my late payments to the end of the loan. 

My illness is triggered by stress and this has been very stressful. I told them before when they called my job that I can not have personal calls at work. My job does not allow us to accept calls from anyone other than our customers. Today, they called and actually spoke to someone who is on the management staff. This can jeopardize my employment. I need help getting Regional Acceptance to not call my place of employment. I have requested this before, I have requested it in writing. I did not provide any work phone numbers, but they still called my work this morning. 

I have a meeting on Tuesday regarding this incident. My job is very strict about their personal call policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX Credit Card. I had a Special Non Interest Promotion. I was Paying more than the Minimum Payment and was not aware that Payments would need to be called in to apply to cover that Promotion. I speak english but do prefer to have written correspondence in XXXX. I recieve a Email advising that a promotion had expired. Interest was applied to my credit card and when I tried to call the Bank to see what options I had I was told that there was nothing they can do. I asked about the terms and conditions, since my son who works for a Credit Card Company advised that there should be a way for them to reallocate the balance. since more than the minimum was being paid. To waive the interest that had accumulated ; however the Bank told me that there was nothing that could be down and that pretty much I had to pay the Balance and figure it out. No options were provided by Customer Service or a Manager. I later became ill and was in the hospital for over 3 months when I called the bank to explain the situation they told me it was policy that they were only able to waive one fee in a 12 month period. I would have to the fees and the information could not be corrected and sent out to the credit bureau. since it was pretty much my fault that I got sick. So now I am forced to pay a multitude of late fees and int. which as a senior citizen my income will not allow me to pay such high bal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My loan was sold or is being serviced by Specialized Lending Services, I was owing XXXX XXXX. I have Always paid my mortgage and this company has reported me 30 60 and 90 days late. Ive paid more than whats due. They refuse to address the incorrect info on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent, via certified mail, a letter to Capital One disputing inaccurate information on my credit report. In my letter I detailed the issue and provided proof of my credit report showing their mistake. 

My dispute with Capital One is as follows : I had an old credit card that was closed due to non-payment back in XX/XX/XXXX. This card shows on my credit report as a negative against my score. ( This is accurate ) I made an agreement with a Capital One rep to open a new card and allow me to pay off the balance of the closed account. In XX/XX/XXXX, I was given a new card and the balance of my old card had been transferred over. My new card has been paid on time ever since, no issues there. 

The problem exists in the reporting. My old card shows as a negative closed account with the months for nonpayment. ( Accurate ) My new card shows as if it was open since XXXX, when it was open in XX/XX/XXXX. ( They are reusing the date of the old card ) My new card also shows the old nonpayments on it. ( Has never been late or missed ) Capital One is reporting one negative account twice. They are double reporting the same months of one account in both the old card and the new card. 

Today, XXXX XXXX, XXXX, I received a generic Capital One letter dated XXXX XXXX, XXXX, stating that they are unable to change their reporting on a courtesy basis. ( This is not a courtesy. This is inaccurate ) The letter does not provide any explanation. 

I called Capital One and spoke to two reps and a supervisor. They all stated that they can not view any details on the case and that there is no one I can speak to because the dept that handles these claims is a back office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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 — Their investigation did not fix an error on your report
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
This complaint is on Overton, Russell, Doerr and Donavan of XXXX XXXX, NY XXXX. In mid XX/XX/XXXX, I looked at my Credit report and found a XXXX Collections against me. I called the collections and wrote them a letter trying to find out what this recent issue was. They got back to me and said it was a medical bill from XX/XX/XXXX. I had no knowledge of this bill and asked why they are reporting this as a " new '' collection? They said they just received it. I said that the information was incorrect and the proof was on the bill they sent me. They never corrected it. After going to the hospital and talking to billing. I found out that this bill was in error and it should have never been sent in the first place. In any case, The hospital is contacting the collections and taking this off. However, My credit has been ruined. I was unable to take advantage of several opportunities as my score was too low. I have all the documents and cant understand why Overton knowingly did not report the information as the documentation indicated. You can clearly see all the mistakes that were made. The Bill said XX/XX/XXXX, The credit agencies had XX/XX/XXXX and the docs that Overton sent me said XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I closed my Target XXXX Master Credit card at my request, and paid the balance in full. 
Prior to closing the account and paying in full. I made a payment of {$95.00} on XX/XX/2019, the due date was XX/XX/2019 and I acknowledge the payment was late, but not 29 days late. I paid the balance in full on XX/XX/2019 in the amount of {$3000.00}. I reviewed my credit report and it states Target Mastercard Potential Negative status. 

I spoke with XXXX XXXX on XX/XX/2019 and he advised the payment was one day late it is considered late, I advised it was under 29 days late, and for you to report to the credit bureau I paid over 30 days late is incorrect. I requested a letter from XXXX/Target bank to send a letter stating me account was closed at the consumer request and paid in full. 


XXXX XXXX advised XX/XX/2019 XXXX XXXX  reported I was 30 days late on my account, which was inaccurate. I was one day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I told a gentle man who called on XX/XX/XXXX that I retained an attorney for bankruptcy, and tried to give him the name and phone number. he became abusive, saying he did not want that information he was trying to collect a debt from me not any attorney, I tried to repeat my attorney info and he just kept speaking over me and I hung up. 
Today XX/XX/XXXX female called me stating she was the branch manager from tower loan in XXXX, IL, I told her that a already told s gentleman yesterday that you need to speak to my attorney, she just began going into the reasons why I took the loan, was abusive and rude and once again refused to take my attorney 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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland funding Inc as re-aged my debit and still fells to state when my debit will be delete off my credit report so please provided me, my lawyers and the Consumer Financial Protection Bureau the date in which the debit will be deleted from my credit report file. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
I Received a phone call first from a representative saying that he was calling me for a negative balance with XXXX XXXX. I couldn't believe it there was no way I had a negative balance with them. I asked him to send me all the paperwork showing that I owed this. I haven't received it. On XX/XX/2019 I received an alert from my XXXX, XXXX and XXXX credit reports saying a new collection account was added to my credit report. The collection account was from RA Rogers Collection. No this is not right this is not mine. I have attached a police report and FTC Affidavit and I have furnished this via USPS to RA Rogers and all three credit reports. Remove this close this account and leave my be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I made a payment back in XXXX, overage I thought but it wasn't applied to my regular payment schedule as I thought it would be. 
Next in XXXX right before a payment was due, I lost a second job helping with my expenditures for the summer as I have been able to try and maintain since a separation of my husband and myself. ( XXXX ). 
One payment was placed to the rear of the plan and I was able to catch up. 
I have been reading a bit of the payment information online and how they can help in life 's emergencies. I found other employment in XXXX, but trying to get back on track has been/ is hard. 
What's unacceptable and extremely hard to take are the DAILY/NIGHTLY calls they make even if I've given my paydates and every attempt to keep them informed or pay something. 
I know the vehicles are GPS equipped ... but let me walk in my house first before you call. Let me have an evening to myself after XXXX. These type aggressive approaches aren't necessary and I don't respond to harassing aggression and overly negative tones the caller usually have. 
Next, my husband and I purchased the vehicle XXXX. I haven't had too many issues just some days floated past the agreed upon due date but paid non the less, just now with the employment break and finding a new one has put me behind a couple of payments and husband and I have separated again so no extra help. 
Just the practices and thought of them calling references ESPECIALLY after we've talked and I haven't left the area breathes impatient unwarranted harassment. References spoke to people ( family ) known. Nothing their responsible for. 
Please check into the XXXX, Texas, or XXXX XXXX, Texas locations, etc and see if we can reach a medium. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Back In XX/XX/2019 was hospitalized for a preexisting condition that became worse.I was in the hospital for over 3 months. when I finally was able to get in contact with Target credit card. they had advised to me that my account had been sent to a collection agency due to non payment. I tired to get in contact with the bank that Fiances the Target Credit card, however when my information would be authenticated it would directly send me to a collection agency. I had an extremely difficult time trying to get a hold of the customer service department for XXXX XXXX the financer for the target card. I was told that they were only able to waive one fee and that since the account was closed that I would have to speak to the collection agency and handle this with them. I called them and explain the circumstances to why I was calling and they told me that there was nothing they could. I myself work for a XXXX Company and understand that in certain situations we are able to clear and help customers out in the same situation that I was just in.normally in a situation like this we would go through the account and Rehab the customers account to ADJ any fees and or min payment ADJ so the customer would be able to once again have an account open or if not able to at least the customer knew that we would make an arrangement with them to pay the balance on the card with not an accumulation of fees and int. due to a customer having an illness, death, or any outside circumstance that a customer would not a direct control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am currently in a lease with XXXX, but I am falling behind on car payment. Trying to talk to them about this issue but it seems that they don't want to help. Despite of making 3 months of payment within one month, I was charged with some repossession fee for no reason. Wish they could make a deal and take the car back. The car itself is probably defected. Oil smells like gas and experienced transmission problem at about 9000 miles

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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:
We have multiple credit card accounts that are fraudulent showing up on a Experian credit report. We were told to file a report at identitytheft.gov and upload it at Experian website to get the accounts removed from our account. But the upload feature does not work. We have less than 7 days to get our escrow complete but can not due to Experian 's credit report. The only way is to mail it in but will take 30 days. Experian is running a business that supports fraudulent activity. Then they make people go through hoops with very little support. It's like a Catch-22, you need them to get financed but if there are any issues, you can not get it resolved. They allow themselves to get hacked, which led to consumers getting identity thefted, and in the end will pay more in financing costs. I would not be surprise if Experian gets paid by financial institutions to make things difficult and more expensive for consumers. They need to have a speedy process to clear up identity theft or any issues especially if they are the ones providing information on 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 2019-09-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I went to XXXX  to change and pay for my membership fee. I was told to contact the credit company associated with XXXX  ( XXXX Mastercard from XXXX XXXX  ) to link up the XXXX card with the credit card. I spoke to a representative from the credit card company and told her to link up the cards. Instead she activated the two cards that were coming through the mail and deactivated the cards I had with me. She insisted on doing this and created a problem with me and my Wife 's card. Now I had no cards to use and was furious with this. I called back to fix the issue instead it created more problems that I wanted. The supervisor tried to reactivated the card that was deactivated and that didn't work. Now instead of getting two cards that were activated in the mail I got one good and the other not working. So again I had to call and get another set of cards sent to me and was told when I activate these two one will work and the other won't work. So I listened to the supervisor and the card that was working stop working and the one he told me to cut up would have worked but I listened to him and got me all screwed up. Now I have one card working mine and my wife 's not working. I waiting for another set of cards that should have come today according to the representative. I complained so much that I sick over this. I was compensated {$20.00} which I find an insult to my intelligence. They will not budge on a resolution.

Company response to consumer: Closed with explanation