vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Contacted First Associates on several occasions to settle amount. On XX/XX/XXXX reached an agreement with them to settle for {$1800.00}. Made arrangements to pay in 2 installments first one to be paid that same day for amount of {$930.00} which was paid and then the other half to be paid on XX/XX/XXXX. Called on XX/XX/XXXX to pay the other half and first person told me he couldnt find my account. After about 30 mins he said he found it but wanted to collect over XXXX  which was the balance according to him. I told him I had made settlement arrangements to pay only the {$1800.00} and he said that on his end there was never a settlement agreement reached and I told him I have an email which was sent to me on XX/XX/XXXX stating settlement was approved and he said it was never approved on their end and that he didnt know where I got the email from. He transferred me to a supervisor named XXXX and he wouldnt give me him last name and he also stated that I needed to pay over XXXX. I told him I had a letter that was sent over to me to sign about the settlement agreement and he stated that they never sent any letter or email to me approving the settlement amount and they had every right to collect the XXXX  balance. Stated the settlement was not approved and he didnt know where I got the letter from because it wasnt from them and since it wasnt in their system that I was going to have to pay all of it. I told him I had saved the email sent to me and he stated that email was not valid and I was still responsible for the amount owed. He said my 30 days to pay was up on XX/XX/XXXX and since that was on a Sunday and they were closed that any agreement would be nulled and voided since I was refusing to pay the balance on XX/XX/XXXX. He said since it wasnt in their system and he didnt know where it was sent from that in his eyes no settlement agreement was ever reached and approved even though the letter I had stated it was approved. I told him if it wasnt approved why didnt I get a letter stating that and he said they didnt have to send anything to me and that debt was still my responsibility.

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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My current ( new ) mortgage company is NOT applying my payments correctly. I send them payments bi-monthly. {$400.00} & XXXX/month. 
They are not applying the payments to the PITI ( which it is supposed to be ) they are instead applying the " extra '' payment to principal which is messing up my payments. They are wrongly claiming we are past due and hitting us with erroneous late fees also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I previously reported XXXX Commenity Bank to CFPB in XXXX regarding their Unfair Business Practices and am now being retaliated against as a XXXX XXXX American Female, as a prior debt owed to XXXX Comenity Bank was Settled in XXXX and have since made a payment to Settle the debt as was so stated by their Collection Agency XXXX XXXX via XXXX XXXX XXXX which was Paid and Settled on XX/XX/XXXX and was informed that our Credit Report would be Updated to reflect the account has been Settled and has still been illegally reported on all 3 of my Credit Reports in an effort to retaliate against XXXX XXXX-Americans and these inaccuracies should be removed from my 3 Credit Reports immediately, as it negatively impacting our family with obtaining credit and resources to help us navigate during this Global Economic Crisis with COVID-19. This is also another form of systemic racism and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in Slavery with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Allied Servicing Corporation
State: CA

Complaint narrative:
Allied Servicing Corporation serviced a mortgage loan for my lending company, XXXX XXXX. This loan was paid off by my borrower with payoff funds received by Allied on XXXX XXXX. I requested by email the forwarding of the payoff funds and original loan documents from Allied on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; and by phone calls on XXXX XXXX and XXXX XXXX ; and by formal letter XXXX XXXX. I received no responses from Allied. After being forced to retain a lawyer and threaten a lawsuit, Allied finally forwarded the payoff funds on XXXX XXXX. However, despite my last email request on XXXX XXXX, I have yet to receive the return of the original mortgage loan documents required to close out this mortgage loan. 

Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello CFPB. 

I have no earthly idea what happen here. I have been in the credit reporting system since 1994 with over 40+ trades paid like clockwork. Not 1x has my credit scores every drop below 700. I make over $ XXXX a year and pay off 100 % each and all the time. I do use the Macy 's card and within days pay it back. I use it for promotions they send me daily. I notice in XXXX my limit was {$14000.00} but in XXXX {$300.00}. WOW, Why is that. I have attached both the XXXX And XXXX Statement and the Credit Report supposedly they used. I did call Macy Rept. He had no clue why as well. He said he sees my acct as code premier rating, and maybe it was a system error. But he gave me a XXXX to call, but no answer. 

I have attached my report to show, I have bought 3 homes in the $ XXXX I have boight over 10 Auto loans from $ XXXX $ XXXX I have about $ XXXX in LOC and only owe about $ XXXX. 


I will report this issue to my local congress rept to forward my case for Unfair Law Lending against Macy 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 explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: DC

Complaint narrative:
I received an Economic Impact Payment VISA Debit card in late spring or early summer 2020. I called the number on the card and activated it. I believe I was able to log on to the website at XXXX and check the balance, which was {$1200.00}, to the best of my recollection. 
I have not used the card yet. I tried to check the balance today on the website and the response page was blank. I called the number on the card, XXXX, and the automated system did not recognize my PIN. I called the number several times more to try to reset my PIN but the automated system either ended the call or continued to ask for a PIN. 
I am hesitant to use the card for fear the transaction will be rejected because my PIN won't be recognized. I fear I will never be able to access the economic impact payment to which I am entitled. 
There is no information on the eipcard.com site about where else to turn for assistance with EIP  card issues, it only refers back to the malfunctioning eipcard.com site and XXXX automated phone system. 
XXXX or Money Network or XXXX need to provide reliable customer service, especially when fulfilling XXXX Government benefits.

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 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX of So California of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX of California. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, XXXX  has committed additional FRAUD by including these items 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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Citibank credit card was closed in around XX/XX/2018, XX/XX/2018 with credits from Citibank due to them mismanaging my credit card account the account was paid in full. They are report inaccurate information on my credit file I have reach out to them to adjust the inaccuracies they have not. 
they are showing numerous late payments on my credit file which is in the attached files along with the letter showing the account was satisfied on XX/XX/2018.

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 2020-09-26 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: NY

Complaint narrative:
On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from XXXX XXXX. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX XXXX and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at XXXX  on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX XXXX that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by XXXX XXXX on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.

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 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield Inc response didnt resolve the issue on verification of debt I supposedly owe, they stated a letter was sent out XX/XX/2029 for validation that I never received or had any knowledge of this debt and then 6 months later they stated they just reviewed records, which doesnt makes sense, I only seen knowledge of this alleged debt through their response from my complaint.

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 2020-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
My problem with Santander is they over-charged me a extra {$10000.00} for a XXXX XXXX XXXX the price really should have been {$22000.00} but they " REFUSED '' to correct their error. 

Also I was never late paying on my car note. 

They Re-Age my account by reporting the date of the last activity instead of the date of the first delinquency. 

This is a direct Violation Of the " Fair Credit Reporting Act. '' Violation : Consumer Protection afforded by the FCRA LEGAL JURISDICTION : FCRA Section 605 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. XXXX has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This account was open XX/XX/2019 This account was reported as unpaid medical {$110.00} I have no contact information I would like to know what services I had to accrue this amount {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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:
Late XX/XX/2020 I received a letter telling me that Fed Loan servicing could not approve my public service forgiveness because my employer did not put his name and title on the public service employment certification form. I researched and saw that the information was indeed on the form. I called the FedLoan servicing company and asked why they sent me the letter because the information is on the form. The man I spoke with reviewed form I submitted and verified that the employer representative had included his name and title. He said he would correct the mistake. 

Today, XX/XX/2020, I received a letter dated XX/XX/2020 stating that FedLoan servicing could not approve my public service forgiveness because my employer 's EIN was missing from the form. This is NOT TRUE. The EIN is on the form. All required fields were completed on the form. I find it egregious and irresponsible that this organization is not properly doing its due diligence to ensure that they are properly managing consumers ' form when they send in the requested required paper work. Their ineffectiveness, incompetence, and inefficiency is causing me undue and unnecessary stress during an already stressful time ( Coronavirus pandemic ). 

I have attached a copy of the document that I sent to them. My PII is redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted Portfolio Recovery to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. Portfolio has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This account was open XX/XX/2019 This account was reported collection orig creditor : medical {$67.00} I have no contact information I would like to know what services I had to accrue this amount of {$67.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: FL

Complaint narrative:
In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit  reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This account was open XX/XX/2020 This account was reported as collection orig creditor : Medical {$52.00} I have no contact information I would like to know what services I had to accrue {$52.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX needs to provide how they verified to Experian dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: DE

Complaint narrative:
My USBANK Altitude reserve credit card was closed by USBANK just after I paid the {$400.00} annual fee. They do not give me any type of notification like phone call and the physical letter arrives about 1 months after they close the account. And I was told from their representative they will refund me back the annual fee. But never received any type of description on that. I asked the phone representative for refund but the request was rejected. I paid the fee to use the benefit of the card and the bank close my account without my consent and do not refund me the fee. This is so frustrating.

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