vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted Commenity Bank after a week 's worth of trying unsuccessfully to register and pay my " XXXX '' Mastercard bill. I have yet to receive a statement ( either paper or via email ) from the company and I was trying to pay my bill online to prevent a late payment ( as a result of such ). I spent 20 minutes with the first customer care representative who failed to help me register my account online. I asked to speak to a supervisor who " magically '' registered my account. Today, when I attempted another sign-in to pay my card, I given the same error message that I have received on XX/XX/XXXX and the week prior which is that they were unable to locate my account information. They asked me to provide information within three separate boxes : 1.My credit card number, 2. My billing zip code, 3. The last four digits of my SS number. I input all of this information multiple times before being locked out of my account. I am assuming that my bill is now overdue and late. Can you please look into this issue for me? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my  entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.

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 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C.  SYSTEM has been advised that XXXX  XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX  and XXXX  in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates.

I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public 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 2019-09-30 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: TN

Complaint narrative:
I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX 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 2019-09-30 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: TN

Complaint narrative:
I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX 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 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Netspend Corporation
State: CA

Complaint narrative:
On Saturday XX/XX/2019 I ordered a NetSpend Replacement Visa Check Card and the NetSpend Customer Service stated over the telephone that I would receive the replacement NetSpend Visa Check Card in 7 to 10 business days. I order the replacement NetSpend Visa Check Card because the one I have possession of is old and the magnetic strip on the card doesn't work properly.. Today is Monday XX/XX/2019 and I never received the NetSpend Visa Replacement Check Card in the mail I can only assume that it is stolen, held off, or was never mailed.

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 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/19 I paid the last payment of the loan. On or about XX/XX/19 I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/19 therefore interest owed was {$8.00} which was due XX/XX/19. I paid the requested amount of {$8.00} on XX/XX/19. The loan Co. did placed the payment for XXXX XXXX XXXX ) and did not credited it for XXXX XXXX XXXX ). The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

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 2019-09-30 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-09-30 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I purchase a vehicle from Exeter Finance in XX/XX/XXXX. The loan was for 72 months on approximate {$25000.00} with a 16.9 %. I have been late and had 8 deferred the payments. The loan will mature on XX/XX/XXXX. The company states I still owe {$10000.00}. I do not see how this is possible. I asked for a hardship and to settle the loan but the company refused. I notice over the life of the loan some of my payments {$0.00} was paid toward the balance only interest payments. I do not believe I owe {$10000.00} on a {$25000.00} vehicle 6.5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
In XXXX i discovered i had been a victim of identity theft. I notified the local police, the FTC, the credit bureaus and in some cases the creditors directly. All were removed as a result of the dispute process and the included reports to authorities. In XXXX one of the accounts previously deleted was re-sold to another company. I again disputed XX/XX/XXXX except this time the company " Complete Credit Solutions '' confirmed it was my account despite the police reports etc. I contacted the company many times to no resolve.When i called the first time i was told they " Complete Credit Solutions '' bought the account from " XXXX XXXX '' and are checking to see if they would get their money back for the account they bought. I am being adversely affected by this fraudulent account and this company is not willing to assist to protect my rights as a victim. I called again today XX/XX/XXXX and was told to wait for a supervisor to review and call me back. I need help getting a resolution. XXXX asked that i update the FTC Report to list the original creditor name " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TX

Complaint narrative:
equifax adn XXXX  XXXX data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
On XX/XX/2019, I received a call from a debt collection regarding a XXXX account that I didn't setup or apply for. This account is fraudulent. 

I don't recall doing business with XXXX. 

I never received any bill or proof of verification of bill. No Contract agreement or proof of identify.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: OH

Complaint narrative:
Hi, my background report states that I was in XXXX for 30 days and it has cause employment opportunities to fall through. I was fired on the spot when the background check came through because they stated they could not hire someone who went to XXXX. I have never been to XXXX in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX adn capital one data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: The Outsource Group, Inc
State: IL

Complaint narrative:
They agreed to delete and instructed me to file a dispute directly with the credit bureaus. I did that on two separate occasions. It deleted from XXXX but not from XXXX and XXXX. I disputed them twice and both times they still remained on my credit report. I am currently under contract to purchase a home and my interest rate is directly affected by this since this account dropped my credit score by over 80 points. I would like to request that they submit a request to the credit bureaus to delete this account from my credit reports.

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 2019-09-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

PUBLIC FILINGS XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CADENCE BANCORPORATION
State: GA

Complaint narrative:
I have had this mortgage for almost 8 years now, previously with State Bank. 
State Bank was bought out by Cadence Bank and my mortgage now keeps changing. I went from a 3.75 % interest rate and it has adjusted several times, most recently all the way up now to 6.375 %. 
When I called the bank they said it was based on Wall Street, however interest rates are lower than they've been so while the rest of the nation is seeing rates drops, my mortgage keeps raising my interest. My payment for almost 8 years was $ XXXX {$2800.00}. I just got my most recent statement and it spiked all the way up to {$5600.00}. This does NOT include insurance and taxes which is another {$2000.00} month for me. I'm not able to pay this much and don't know why my mortgage jumped so high! When I called they said it was because it was interest only and now principal is being applied, but I never had an interest only loan. I had always had principal and interest with my original loan. I don't know why or how it is legal for Cadence Bank to make these changes that are detrimental to my home. I can not afford this mortgage based on what they have done and I'm afraid I will loose my home if this doesn't get resolved asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This debt collector, HCI Healthcare Receivables Management Company, in spite number XXXX, having absolutely no proof that the debt is mine, continues to attempt to collect a debt account from me for services on XX/XX/2019. They have reported it to credit reporting agencies and now I'll have to take the next step, contacting the reporting agencies directly. I was not there and they do not have my signature or any proof that this is my bill. If this is not corrected and soon, I will additionally sue this unethical debt collector and Consumer Financial Protection Bureau for failing to help me. This has been an ongoing issue and I am sick of it. I've complained about this numerous times and the response I get is always 'the collection agency says you owe it ' in spite of having absolutely NO PROOF. No proof. Not my bill. End of story.

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 2019-09-30 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates 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 2019-09-30 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb Unauthorized Inquiry from XX/XX/2019 National Credit Cards/Airlines

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 2019-09-30 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX not mine XXXX/DEPT ****XXXX  never late XXXX/XXXX ****XXXX not mine PUBLIC FILINGS US BKPT CT XXXX XXXX/XXXX not mine COLLECTIONS ****XXXX {$84000.00} not mine

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 2019-09-30 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:
This account does not belong to me

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