vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 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: MI

Complaint narrative:
I have a XXXX XXXX XXXX Credit Card that is through Comenity Capital Bank. I made a purchase on a no interest plan using this card. I have done this numerous times in the past and have always paid my card on time and ahead of schedule. All of my payments exceeded the minium payment due. My card balance has two such plans for purchases at different times. I utilize their website to make my payments. I logged on to check the current balance today ( XX/XX/XXXX ) and realized my account balance went up by approximately {$500.00}. I made the purchase XX/XX/XXXX and the promotional balance expired on XX/XX/XXXX. I was surprised that there was not a notice on the website when I logged into make my last payment that warned me my promotional balance was about to expire. I would assume based on all the consumer protection laws that they would be required to notify the consumer of such an event. I was surprised to learn that they do not feel they need to have it online and I find the practice to be deceptive and not in the consumers best interest. I called and spoke to a customer service representative and then to a supervisor to voice my concern. I was told by the supervisor that they do not notify other than an item listed on the monthly statement of when the promotional balance will expire. I explained that while that is great if you use the paper statement that most people go paperless and that, as a company they really push paperless statements. I have several store credit cards from them and every time you log in it asks and recommends you go paperless. So I told her if they are going to push everyone into going paperless they should put a warning online when a promotion is about to end. She let me know that the statements were online and that I could have reviewed them. I do not think something like that should require you to click extra items and that it should come up as a warning when you log in to pay. I told the supervisor I found this practice to be deceiving and against the consumer credit laws that are available to protect the consumers. I also let them know that I made next months payment along with the remaining {$340.00} that was outstanding on the promotional balance today and asked them to help with the finance charges added. Both employees told me there is nothing they can do about the {$500.00} in interest that was added to my account. I am reaching out to you to see if you can help with these charges and that you can see to it they change their deceiving practices and add these warning notifications to the account details page on their website so that this does not happen to other people as well. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NY

Complaint narrative:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX  ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

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 2019-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

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 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
There's a company by the name of IQ Data International that has a collection on my credit reports, XXXX, XXXX, and XXXX with a false debt. This debt was sold to them by XXXX XXXX XXXX   in the amount of {$4900.00}. I have never lived at those apartments and I have already disputed this information with IQ Data International ; they have not validated this account or responded to my request. I have also disputed this information with the credit bureaus. I have had not had any official documentation due to some of my identification documents being destroyed in a fire. I would like to see what ID they have on file, an official ID and signed leases / documentation. I have never even heard of these apartments until it came up on my credit report and no one has provided accurate information because there isn't any to prove other wise. The laws of the FCRA states that all data reported must be accurate and validated. Please help me with getting this removed as they are violating those laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred by XXXX to Loan Care on XX/XX/2019. Loan Care is  supposed to be automatically debit my bank account {$1700.00} for my monthly payments. I was double-debited in XX/XX/2019 and have been trying to get my {$1700.00} double payment refunded. Details of my communication with Loan Care are shown below. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX monthly payment. 
XX/XX/2019 - My account was debited again for {$1700.00}. This was a double-payment for XX/XX/2019. 
XX/XX/2019 - Sent an email to paymentresearch@myloancare.com to report the double debit payment and request a refund of the XX/XX/XXXX payment of {$1700.00}. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX payment instead of the XXXX of the month as scheduled with Loan Care. 
XX/XX/2019 - Called Loan Care Customer Support and talked to XXXX to ask why my account was debited on XX/XX/XXXX instead of XX/XX/XXXX as scheduled. She said that my next payments will now be auto-debited from my bank account on the XXXX of every month. She also sent a request to process my XX/XX/XXXX {$1700.00} payment refund and asked me to resend my old XX/XX/2019 email to paymentresearch@myloancare.com. I copy-furnished the email to customersupport@myloancare.com. I was told to wait 5 days for the refund. 
XX/XX/2019 - Called Loan care Customer Support and talked to XXXX to follow up on the XX/XX/XXXX {$1700.00} refund. XXXX advised to follow-up after 2 weeks.

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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In re XX/XX/2017 equifax breach. 

I understand a settlement on behalf of consumers is imminent Equifax notified me that my data had been compromised shortly after the XX/XX/2017 event ; once it was compelled to do so. I avoided their veiled self-indemnifying deal until the Feds had compelled them again NOT to make consumer response a consumer-harming event. When that happened, I felt sufficiently protected, and ordered access to my Cr data frozen.

I was NEVER subsequently notified of any class action for the actual & potential harm caused. I was NEVER notified of an opportunity to opt out of the class.

I WANT NO PART OF THIS SETTLEMENT IF IT ABSOLVES EQUIFAX FOR HARM THAT I MAY SUFFER AT ANY TIME DUE TO THEIR GROSS NEGLIGENCE. I DO NOT FEEL I SHOULD HAVE TO SPEND THE REST OF MY LIFE FREEZING & UNFREEZING MY CREDIT WHEN I NEED TO TRANSACT.

WHO SHOULD HAVE TO PAY FOR THAT FUTURE EXPENSE & INCONVENIENCE? EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

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 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent 4 dispute letters to all 3 credit bureaus ( XXXX, XXXX, and TransUnion ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NJ

Complaint narrative:
I sent 4 dispute letters to all 3 credit bureaus ( XXXX, Experian, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP.  I've been violated for months and this has to stop NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is a followup complaint to complaint # XXXX. I have submitted a dispute with Experian, but the dispute website would not accept my supporting documentation. I have previously filed a complaint against Experian in order to get a fax number to fax my documents. They provided a very long winded response with no name attached. I need an explanation of why they can provide a long winded response, but can not provide a fax number where I can fax my supporting documents. My local library provides free faxing, so it is not reasonable to expect me to pay for postage to mail supporting documents. The explanation from Experian will need to include an author 's name. Their response to the complaint referenced above was cold and condescending. A more professional response to this complaint is required. I have attached supporting documents, so they don't need to contact my student loan servicer.

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 2019-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since. 
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented. 
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate and remove from 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 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity. Please remove from 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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I logged onto Transunion to check my credit score. It required a credit card number, which I assumed was necessary to verify my account. I checked my score and then was surprised to receive an email stating that I had subscribed to a service for {$29.00} a month. When I went back on the site to see how this had happened, I noticed that there was a mention at the very bottom of the screen about the subscription service -- but at NO POINT during the process of submitting my credit report request was the fee or the fact that it was a subscription EVER mentioned again. This is the definition of an abusive and deceptive practice. They HID the fact that I was committing to spend {$360.00} a year for a service that is supposed to be available to me for FREE a minimum of once a year. Their web site provided no clues as to how to obtain the FREE credit report -- instead it steered me to a paid subscription. I was able to get this charge reversed, but I am livid. This is truly a misleading, deceptive and abusive practice and it should be stopped.

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 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX or XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.

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 2019-07-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.

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