vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LTD Financial Services, L.P.
State: MO

Complaint narrative:
Succinctly stated, my complaint is over a collection procedure problem I have with a company named LTD Financial ( hereinafter LTD ). This company sent me a letter about an alleged debt they purchased from a business with whom they ostensibly assume I owe money.

I received a letter from LTD to which I responded promptly in XXXX of this year. I am aware that under the Consumer Financial Protection Bureaus XXXX Debt Collection Practices Act ( hereinafter FDCPA ), I have certain rights so I completed the form provided in LTDs letter to me and mailed it certified to them at the address they provided on XX/XX/XXXX, XXXX, LTD Financial Services , LP, XXXX XXXX XXXX, XXXX, TX XXXX. Although LTD noted that this po box address be used in return of its form requesting information on the alleged debt, its physical address is listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a phone number listed as ( XXXX ) XXXX.My certified letter did not have a return receipt requested card attached to it ( see attachment ) as I did not pay for that service. I only wanted to have verification that my letter had been delivered via the tracking number. However, when checking the tracking number, the information incredulously posted showed that the letter was awaiting pickup by the addressee at a XXXX, Texas postal facility. Days later an update notation indicated that the letter was being returned to the sender but to this date I have not received my certified letter back. 

The FDCPA requires that I be given an opportunity to dispute the debt within 30 days in writingto request the name of the creditor, and verify the amount allegedly owed so that I can dispute it. I requested this information by way of my certified letter addressed to LTD at the address provided by them. LTD has not responded to my letter through refusing to accept it. 

As an XXXX XXXX XXXX senior, I have received unproven debt letters from collection agencies in the past and am confident that this is yet another such bogus debt. My practice in interacting with collection agencies on any unsubstantiated debt claim is to do so via mail so that I have a written record from that collection agency that can not be disputed and I never pay a collection agency but instead pay any verifiable debt to the business itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Mortgage is in arrears in the amount of {$6400.00} as of XX/XX/2022. Applied for a FHA partial claim through Wells Fargo to bring the account current and continue his regular mortgage payments. 
Current terms are as listed below : APR : 2.875 % Term Maturity Date : XXXX/XXXX  Current monthly payment : {$860.00} According to Wells Fargo, FHA Partial Claim was denied, because there wasnt enough. The representative could not explain why there was not enough to cover an FHA Partial Claim. 
Wells Fargo cited that the investor approved a modification plan with the below terms. 
APR : 6.875 % Term Maturity Date : XXXX/XXXX/XXXX  New Proposed Monthly : {$1100.00} While the modification did offer to bring his FHA loan current, it increases principal and interest from {$450.00}, to {$780.00}. 
To some that doesnt seem like much. But to a 1 earner household income with a family of four, it creates an even harder struggle for my family. 

We need to re-evaluate how interest rates on modifications are handled. They should be offered the same rate as the original, extending the term and keeping the payments slightly more affordable for struggling low to moderate income households. 

So, now the bank can offer a modification that increases payment by {$330.00} a month adding almost two years to current term. So that is now 30 years of making an additional {$330.00} a month that I wasnt making before. 

We are kindly requesting that the Consumer Financial Protection Bureau look into this matter and assist.

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 2022-11-03 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: GA

Complaint narrative:
XXXX XXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX  XXXX XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from 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 non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I filed a complaint already that the Optum Financial was falsely filing charges against my account. After they received your notice they fixed the problem. Then I closed the account and twice theyve told me they would send me the amount in my account. And twice they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX reported my collateral loan # XXXX 30 day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.

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 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2022 I received a notification from one of my credit monitoring services that there was a change. Upon review I noticed that that there was a derogatory mark from a Phoenix Financial Services in the amount of {$740.00}. 

Additional research shows this is a out of network provider charging me without my prior authorization and based on the no surprise law of XXXX  they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all inaccurate inquiries

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 2022-11-03 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: CA

Complaint narrative:
i XXXX XXXX, natural person am submitting this complain on my behalf, no one is helping me, i am going about this on my own, i have attached a copy of my id, & my dispute letters in pdf form I would like to also remind you ; you are in violation of 15 u.s. code 1681N

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 2022-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My issue is with paypal. I sell items online, specifically in this instance it was on XXXX, First all of my listings are no refund no return all sales final clearly stated on every listing. Someone bought a pair of shoes from me and after shipping said that they wanted to cancel the order. I replied to them immediately and informed them of my stores policy and did not hear back, then XXXX weeks after delivery they contacted whatever financial institution they used to purchase the shoes and fraudulently claimed that I said they would receive a refund which is a complete lie but paypal released the funds to them even though I have undeniable proof the buyer was committing fraud. I also had a representative from XXXX contact paypal and confirm the situation and XXXX also confirmed that the buyer was lying and have since banned them from using the XXXX site. Paypal has not returned the funds that they allowed to be fraudulently taken and the buyer kept the shoes as well and paypal charged me for them investigating the fraud that they allowed, bringing my financial loses to almost XXXX XXXX I have full evidence that fraud was committed and paypal went along with it. criminal charges need to be brought against paypal, the buyers card issuer and the buyer himself. This is theft, bank fraud and cyber crime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
My loans were switched to Mohela. I submitted my XXXX form a couple of months ago. They still haven't processed the form even though the email I got said that it would be processed by the beginning of XXXX. Also, according to their website, I have made enough qualifying payments to have my loan completely dismissed. They haven't processed this either. 

I have called, but the wait times are usually over 165 minutes. I have sent emails with no response. 

I heard on the news that they are being sued by the state of California for not submitting loan forgiveness when the needs have been met and for extremely long call wait times, and for not getting back to people. Now these things are happening to me. 

I want to know when my loan will be forgiven since I have made the qualifying payments. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Credit account was closed before year XXXX  because of a lot fraud charges. But Credit card bank Comenity Capital Bank still puts fraud charge on the account and sends bills to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was never late paying on these accounts. These accounts are showing inaccurate information that damaging my reputation as a consumer.

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 2022-11-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was never late paying on these accounts. These accounts are showing inaccurate information that damaging my reputation as a consumer.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on 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 non-monetary relief
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Called Comenity Bank for XXXX XXXX on XX/XX/2022 Made 2 requests : 1. Please post missing statements of XX/XX/2022, XX/XX/2022 and XX/XX/2022, they refused. We have a paperless account and let them know how important it is that we have immediate access to our past statements. I was denied request. 
Details on explaination of refusal below. 
2. We made a promotional purchase based on a 1.99 % for 36 month offer as a XXXX XXXX. Requested that they correct and give us credit for the over charges on interest, they refused. Details on explaination of refusal below. They are charging 4.99 % which is no where on their site as a valid offering. 
This account is in XXXX 's name and I ( XXXX ) am an authorized user with credit reporting under my name on this account. I called XXXX to request that they correct the missing ( 3 ) statements as well as the correcting to the offered 1.99 % interest rate from 4.99 % that we did not sign up for. Their response was that they could not speak to me regarding account information ; I did not request information. I was requesting them to make corrections that are required by law. I requested that they transfer me to a Manager who also refused to correct both issues ; as an authorized user who receives credit reporting under my SS # by comenity I have rights to requests mistakes be corrected. I did not ask for increased credit limit or changes to account, I requested that mistakes be corrected. They refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I paid my last statement in full and wanted to take advantage of a 0 % transfer credit free that would expire in XX/XX/XXXX. I transferred over {$1200.00} on XXXX subject to a {$50.00} transfer fee. I received my statement and instead of applying the {$1200.00} to the 0 % promotion, they only placed $ XXXX to the promotion expiring in XXXX and applied a return credit to that 0 % transfer balance instead of applying it to my existing balance which will be subject to 27 %. I was misled and spent almost a XXXX hour on the phone with customer service with no resolution. This company misled me by saying that my entire balance transfer would be subject to 0 % until XX/XX/XXXX. Extremely shady business practice and I wouldn't be surprised if they were doing this to more people.

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 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX reported my collateral loan # XXXX XXXX day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-11-03 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX

Complaint narrative:
The information reported on my credit report is false and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete all the accounts violating the FCRA and reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is wrong! I never signed any contract with these accounts. This is a mistake reporting. I don't know about this account.

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