vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I called Comenity Bank on XX/XX/XXXX and requested a full payoff amount. I told them that I wanted to pay off the balance in full. I was given the amount of {$500.00}, which I paid, on that date, in full. Two days later, I was charged a fianc charge of {$12.00}. I had zero knowledge of this, had no idea I would be charged this charge, as in the past, if its paid in full on the due date, no interest is charged. The customer service person that gave me the payoff amount never mentioned this. My paperless statement went into my spam folder and I didnt even look for it because it was paid and I never had this card, expect this time in XXXX of XXXX. 
I was then charged a late fee on XX/XX/XXXX, of {$12.00}, because of the {$12.00} finance charge. I was then charged a minimum interest fee of {$2.00} on XX/XX/XXXX. I was then charged a late fee of {$26.00} on XX/XX/XXXX and a {$2.00} minimum interest fee on XX/XX/XXXX. 
I happened to look in my spam folder for a tax document on Friday, XX/XX/XXXX and came across an email that stated I was delinquent! I was shocked! And immediately emailed two messages to the dispute department. I suddenly was bombarded with phone calls from Comenity and no one would pick up. Finally today, XX/XX/XXXX, I got someone to answer and they sent me to someone that I was able to actually speak with. She tried to waive the one late fee and said I had to pay the remainder!!! I explained that I would pay {$12.00} from XX/XX/XXXX and that is it. She wouldnt do that and closed my card out. 
Now I dont know where I stand! Am I going to be reported to the credit bureau for account delinquency? This is a ridiculous amount of money that they are trying to make me pay, all for just having paid my card off in full! Per their customer service people! It appears they are trying to make as much money as they can by doing this and I think it is plain and simple theft! This is why I am reporting them! They need to stop this corrupt behavior. I want my account at a zero balance and I will never do business with this company, ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Why is this company leaving me multiple voicemails in early XXXX? I'm not even late for this month. This is HARASSMENT!!!!!!!

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 2022-04-09 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: WI

Complaint narrative:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mt past emails from XXXX  and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit closed my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I am disappointed in the way Care Credit handled the situation.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Nordstrom lowered my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I found lit my credit limit was lowered when I was at the store making a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in Experian identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  mt past emails from XXXX and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.

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 2022-04-09 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: NC

Complaint narrative:
I Filed an earlier Complaint against Experian Credit Bureau for false reporting and theyre still reporting the same false information since XX/XX/XXXX. They dropped by Credit Score over 100 points in 2 years and never corrected it. My credit score is XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX. This is unexceptionable, this is basically the same score since XXXX and theyre constantly sending me marketing information to raise my score. I owe nothing have 2 lines of credit from XXXX Credit Bureau in NC thats been open for almost 2 years ; yet they report 0 utilization and the bank told me on XX/XX/XXXX theyre reporting every month the card are being used. They got me owing XXXX  dollars but XXXX has a balance. XXXX sent me a 1099 C we settled the debt on XX/XX/XXXX and I have the tax document. Experian reporting that I was late 3 times on my mortgage with XXXX Bank in XXXX. I was never late I have documented. Theyre reporting I was 48 month late on a closed XXXX XXXX account that was closed. I settled on closed accounts. My next step and last option is because Im XXXX  is to ask the FTC to intervene.

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 2022-04-09 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: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I XXXX XXXX have sent in disputes several times, to this company stating that I have been victim of identity theft, along with that I sent a ftc report to this company and, they have yet to remove this collections from credit report despite me sending in proper documentation That have yet to remove this from my credit report Dates I have send documentation disputing this XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The name debt collections is Merchants credit guide Amount of the collection is {$460.00} Collections agency address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
Subject : Disputing Information in TRS I am writing to dispute the following information that TRS not Supplied to telling me about payment they did really recived from me. 


I have paid the debt {$27.00} on after XX/XX/2022. I lost, or TRS lost the confirmation. 

I am requesting that TRS provide me information, when I really did made a payment. TRS, rep won't provide me information. I believe they had confirmation payment recived, but the rep will not provide me the information, when I mention about XX/XX/2022. 

Therefore, here is what I have for now. 
TRS XX/XX/XXXX XXXX! Payment Entered on TRS Recovery Services! - ID XXXX Confirmation from transaction made {$27.00} What information do they have? For this. 


This is all what I have of confirmation about debt been paid. Please reinvestigate this matter. Provide me info about, when I did made payment to TRS back in XX/XX/2022 XXXX. 


Sincerely, XXXX XXXX : The copies, I did recieved was lost. 
I only, have email confirmation trs. 
Transaction history from my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Back in XXXX around the XXXX th I ask this company Pro Collect INC Account # XXXX to send me verification of a debt that they're constantly sending me letters saying I owe. They didn't provide a signed contract as i asked from the original debtor and a contract of them signing taking on this debt that was not my responsibilty. I am XXXX and due to my XXXX I was receiving help from HUD and they was responsible for my rent at the time. 

If this company Pro Collect INC would have done their research and validated the debt like i asked they would know that I do not owe this bill. This bill is the responsibilty of the agency that was assiting me at the time. I am still receiving government assitiance with my rent from the same agency just a different branch of Non Profit.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Victoria Secret lowered my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2022-04-09 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXXXXXX Account Number:XXXX***** Account Number:XXXX* Account NumberXXXX*** According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : 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 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
This company charges additional fees and cost ( inspection fees ), hold payments to make them late so that they can charge late fees. And then changes amount owes monthly so alway something new or different. Have tried for two plus years to get this fixed. Still not done and a very difficult company. This company then wanted to report this incorrect information to the credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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:
I XXXX XXXX have sent disputes to Equifax on XXXX in regards to collections accounts on my credit report thats still showing due to identity theft I have sent it proper documentation each which is a ftc identity theft report along with social and id they still have yet to remove these collections from credit report despite me sending proper documentation that I am victim of identity theft they arent properly investigating this and should be removed from credit report because I am victim and they have yet to do so and still is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
FAY SERVICES SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT XXXX COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX XXXX. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CO

Complaint narrative:
XX/XX/2022 I bought a netspend card at XXXX XXXX because I needed to pay a bill and the customer service desk was closed and i couldnt load my own card! I loaded {$500.00} on the card and when I tried to activate it they said the card could not be activated and there was no way to recover funds from it! They stole {$500.00} from 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 explanation
Consumer complaint received 2022-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX of XXXX  I reached out to the CFPB for help with my credit card company Capital One. I explained that I have excellent credit, and in nearly 4 years they have not increased my credit limit once. I explained that after a good faith letter they would not remove 1 missed payment over 2 years old. A point worth mentioning, the one and only missed payment, in 4 years of credit history, and 16 revolving credit accounts. They sent a letter in response that the reason for the increase refusal was due to lack of using the credit card. They shut down my Kohls credit card, ( their sister credit card ) that was well established, knowing full well that would damage my credit score, with no notice! Today I am reaching out again because I recently used the credit card. For relatively small purchases totaling not more than {$300.00} Capital One has now restricted my card, which I can not use. Capital One has embarrassed me, when out dining by declining my card! I spoke with a representative that made XXXX cents, and difficult to even understand. I have told the CFPB previously that Capital One is discriminating against me for some reason. They deny me a credit increase for years, they refuse to remove the missed payment, they give a bogus reason for the increse denial, they shut down another card with no notice, and then when I do use the card they humiliate me with a decline. I know that I am not alone in their unscrupulous cherry picking of their clients. Please do something about the treatment I am receiving. I know these are violations under the Fair Credit Opportunity Act, please act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT DEMOCRAT COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX BANK. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON

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