vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: AZ

Complaint narrative:
My husband and I signed a 12 month finance contract, which stated that there would be no balance due until the items ( furniture ), were delivered. On our receipt, contract it specifically states " Balance due before delivery XXXX '' at the bottom. Now, our furniture was delivered on XX/XX/XXXX, and I have provided Comenity with that information along with a copy of the receipt that states the contract. 
Unfortunately, instead of ending my promo 12 months from the date of delivery, Comenity has chosen to end my promo on XX/XX/XXXX, and they have imposed fees. Now, we paid our bill in full around {$1800.00}, on XX/XX/XXXX, which was less than 12 months from the date of delivery, per our contract. We have sent Comenity the delivery information and receipt of contract, and they have told us that they chose XX/XX/XXXX, as that was placed on our bills. The issue is XX/XX/XXXX is a date of no importance, per contract, as no one received anything until XX/XX/XXXX. 

They have told us that they do not need to go by our contract, but only what was listed on our last few months bills. There was no contract modification that we agreed to beyond our initial contract that we signed at the store. I don't understand why they get to not honor the contract because they decided not to, and also they did not provide us with any rationale as to why ( on what legal grounds ) they had to select the XX/XX/XXXX date to end our 12 month promo. They didn't provide us with 12 months, they gave us 11 and some days, which is against our contract. Is this legal? Can they change the rules of my contract at will without my signature or agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I closed on a loan for my house in XXXX of 2006 with XXXX XXXX XXXX XXXX at {$650.00} a month ( 30 year variable ). I had also closed on a secondary mortgage for the property with XXXX XXXX  XXXX at {$210.00} a month ( 30 year fixed ) After settling a class action lawsuit for discriminatory higher lending rates to minorities ( I was recipient ) ; XXXX  XXXX eventually sold my loan to XXXX  XXXX XXXX. XXXX XXXX XXXX adjusted my monthly payment to the amount of {$650.00} and serviced my loan ; but eventually tried to coerce me into making an escrow payment for hazard insurance as well ( XXXX XXXX XXXX ). I refused to make the extra hazard property insurance payment, ( I already was paying it on my own to XXXX XXXX XXXX ) but I did continue to make the mortgage payments. 
A class action lawsuit was filed against XXXX  XXXX XXXX for the hazard insurance being forced upon many customers. XXXX  XXXX XXXX did settle the lawsuit based on terms that I myself did not endorse, and they made no effort to re-adjust my loan. XXXX   XXXX XXXX did sale my loan to Select Portfolio Services before the settlement payments were issued to the customers. Select Portfolio Services paid the lawsuit amount, but has only sought to collect certain amount of the unlawful hazard escrow, and has continually charged me late fees as well as excess high interest rates on my loan. I think it's because I refuse to pay on the bogus forced insurance and I only pay the mortgage amount. 
I have never fell behind 1 month on mortgage. I have payed off the secondary mortgage, and no longer owe XXXX XXXX  anything. I only owe the first mortgage now, but I am being coerced by many letters and phone calls and bad credit reports from Select Portfolio to extort excessive payment from me. My mortgage interest rates are already far too high above prime lending rates ( it's over 7.5 %! ) Yet they raised my mortgage payment to over {$700.00} a month now, and they also want me to pay that unnecessary insurance. 
Select Portfolio Servicing has sabotaged my mortgage and has caused error on my credit rating with their unlawful activity. As of lately, I refuse to pay more than {$650.00} on my mortgage because I feel abused by this activity on my mortgage by Select Portfolio Services ... Again ; I have never fell behind, not even one month 's payment on any history of the home loan since it started in XX/XX/2006!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: NV

Complaint narrative:
I had an account with a doctors office, which I had been paying on for awhile. It went to collection and I paid the doctors office off actually a few dollars over the amount owed. It went on my credit report anyway, so I disputed it which was very hard because you can not contact the 3 agencies, so I mailed the dispute certified mail which they received and still no changes and the {$56.00} dollars is still on there even though it has been paid off

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 2020-04-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: PNC Bank N.A.
State: FL

Complaint narrative:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I am the sender XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, Cell Number ( XXXX ) XXXX, e-mail : XXXX Date and Time of Transmission : XX/XX/2020 at XXXX XXXX  ( CDT ) XXXX XXXX  ( EDT ) Receiver XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. 

I went on to XXXX store, XXXX XXXX, XXXX XXXX, Texas   XXXX  ( XXXX  ) XXXX to send money to my girlfriend of {XXXX} with {$XXXX} fee, total {XXXX}. My girlfriend called Sunday XX/XX/2020 in the afternoon that she to get money and she told the vendor said my name was spelled wrong and could not receive money. I called Western Union and the said my name was spelled correctly. On Monday XX/XX/2020, I spent an hour on the phone to get hold of Wester Union, several times Western Union system would hang up after twenty minutes on the telephone line. I finally talked to someone and I explain the situation and Western Union customer service gave a number to refund my transfer and the customer service at the store that the number Western Union is not valid. I ran out time and I had to get on the bus and I could not find the number that Western Union gave me. I spent XX/XX/2020, calling and e-mailing my problem. I tried explaining that I want a number to retransmit the money to my girlfriend. Western Union says all need to do is to use the original Mtcn Number and the store will retransmit, and the need to call Western Union. The store is saying Western Union needs call them. Several times I asked for a supervisor and they told a supervisor would call me in five minutes, one of the customer service named was XXXX and I never got a call. Western Union sent me several e-mails saying they receive my e-mail with no resolve. On XX/XX/2020, I called for two hours and I was took the same story by Western Union. 
I just want my money be sent to my girlfriend. Western Union refuse to give me refund number to retransmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
My husband had gotten an alert on his credit score saying that it dropped by XXXX points. We looked on it and it says that 2 accounts went to collections by Commonwealth finance. The original creditor is XXXX XXXX XXXX XXXX. The amounts is for {$1300.00} and {$93.00} and were opened XX/XX/XXXX. I called the battery point services to see what this is about. The number is based in Texas but the phone number is disconnected. The address is at a local hospital here so I contacted them. The hospital said that my husband hasn't been seen since XXXX and he has now debt and nothing in collections. I called Commonwealth finance. The lady there told me that it was from a physician in XX/XX/XXXX. It supposedly went into collections in XXXX but is just now reported on his credit. The XXXX XXXX XXXX XXXX say on a website that they were established in XXXX but is listed as the original creditor on the account dating back to XXXX! He has never had a medical bill because of his insurance. We have never gotten any notification of him owing a medical bill and was never contacted. We found out because Commonwealth finance reported it to his credit. I have also read reviews of XXXX XXXX XXXX XXXX doing this to others with bogus bills. And Commonwealth finance also has bad reviews of screwing people over. Commonwealth finance did say that they will dispute it. But it won't be taken off of his credit until it is disputed with the credit companies, which I can't do because of the coronavirus. Here is the link to the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
I refinanced my home on XX/XX/20 with Hancock Whitney Bank in XXXX, Alabama. The parties I dealt with were XXXX XXXX and XXXX XXXX. XXXX offered to match loan terms with a competitor that offered a rate with no bank fees whatsoever, or so she said. This was after shed failed to lock at a lower rate after requesting to do so. Bank fees kept showing up on all the disclosures but I was told over and over, dont worry about it, itll all be fixed at closing. I was even asked to sign a Closing Disclosure that I told her I couldnt she. After telling her that, she said again, dont worry, its fine, just sign it, Ill fix any problems that show up. Shortly before closing, in a rush, I start receiving docs and the fees were still there. Nearly {$1200.00} worth of fees and $ XXXX of padded interest on the loan they were refinancing, well beyond what was needed. I asked to have the fees removed as promised multiple times, and she stated she never said that the loan wouldnt have any fees, despite confirmation from parties that heard her tell me the same over the phone. I took it up her with her superior, and he stated that he could fix it, but would not. He was aggressive and rude and intentionally dragged out corrections to the file so that I was forced to accept them as written or miss my rate. I asked multiple times to pay my closing costs by check at closing rather than finance them, and they intentionally ignored that request to drive the loan amount up and refused to fix it as we approached closing. I would recommend everyone RUN from this bank as quickly as possible, especially those two people at that bank. Expect fraudulent practices and lack of concern for your wellbeing or any type of real service on your behalf. Its only about how much they can make off of you before you notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
applied for a citi bank card in XX/XX/2019 still no answer if it been approved or not but my credit score went down because of inquiry called emails still no reply

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 2020-04-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
For my 2019 taxes I decided to get my refund through a prepaid amex card, after receiving the card the instructions to activate the card was to wait for an email or call customer service. At this moment I never received the email and customer care is not taking calls, I try to call them several times and waited more than 2 hrs in line to get the call dropped after all wait. I have money deposited in that account that I cant use. Amex is not managing those prepaid cards with the urgency that the current situation requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
In regards to record # XXXX. This is a complaint I initiated but the system requiring supporting documentation is giving me an error ( a very common issue with Equifax items when reporting mysterious inaccuracies ) This has been occurring for over a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Ive sent debt verification letter for collection. XX/XX/2020. This company lied said they did not receive letter in a recent complaint sent to CFPB. I have tracking info saying otherwise. I have not received anything and have not spoke with them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: DC

Complaint narrative:
Experian REFUSES to delete a fraudulent XXXX XXXX Credit Account from 2017 that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Experian deleted the collection account associated with this fraudulent account, they refuse to use the same LOGIC and remove the actual account. I have provided direct correspondence from XXXX and XXXX that shows their investigation was concluded and was found in my favor, Experian ignored this and instead refuses to delete!

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 2020-04-15 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: MO

Complaint narrative:
My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX 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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was driving for XXXX and picked up a passenger. The passenger asked to use my phone to contact a friend to correct the address destination. The passenger refused to return my phone. Within a period of less than 10 minutes the passenger had broken into my phones Bank of America app. Between XXXX transfer and XXXX they transferred {$2100.00} into their bank accounts. After realizing what had happened I immediately called Bank Of America and filed a fraud report on these two transactions. They had advised me that the XXXX charge would be back in my account in a few days and It was returned. However, the XXXX transfer ( boa 's main way to transfer funds ) could take up to 45 days to return into my account. I waited for the 45 days only to receive a rejected claim. So I called back and they said my claim was processed wrong and they would process it again and the funds should return to my account in 10 days. Then 10 days later my claim once again was rejected. I had filed a police report on XX/XX/2020 for two felony charges. I was advised by the bank to file a police report to speed up the process with no luck. My own bank could not protect my money even with thumb print security protection on my iphone and a password system.

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