vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase of about {$5800.00} at Jareds at XXXX XXXX in XXXX Florida. The employee in the store suggested I use the gold card program as it had an 18 month interest and payment deferment. I questioned this program along the lines of can I wait around ten months to pay then pay it all then? and so I can pay at any point, no minimums?. The employee responded in the positive to these questions. This turned out to be untrue as I received a minimum charge the next month. Unaware and unexpected it has affected my credit and caused financial issues. I had another party return to the store to be sure there was no misunderstanding. Again the employee touted an 18 month payment and interest deferment. When questioned on the minimum payments the employee responded along the lines of oh, well I guess its not really a payment deferment. Jareds will not accept a return of the item and comenity bank will not grant an 18 month deferment as discussed. I feel I have become a victim of fraudulent misrepresentation and bait and switch tactics. I would like to resolve this out of court but will take legal action if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America reported XXXX late payments on my credit report. 

Account XXXX XXXXXXXX But it's not my fault, my account was set up on XXXX Payment with my XXXX  account for the XXXX payments on this account. I recently had fraud done on my account. On XX/XX/2023 I closed down my XXXX account reports the fraud charges and opened a new account. XXXX reassured to me that everything that was set up on XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX from the old account, will be automatically sent from the new bank account opened. All payments were made up to date and I am asking to please remove these XXXX late fees. This is affecting my credit report very badly and not letting me get approved for nothing else. 

Thank You, 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 2023-10-13 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX 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 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 2023-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I received a derogatory credit mark on my credit report for {$120.00} I owed to XXXX  in 2021 that I was never told about. I have been a XXXX  customer for years and am currently a XXXX  customer and pay on time every month. I would have gladly paid the {$120.00} if I got a notification that it was due. I never received mail an email or a call or Anything at all to let me know I needed to pay it. I spoke with the manager wanting to get the derogatory credit off my report immediately and they told me that it was not possible for another two months even after I paid the {$120.00}. This has greatly affected my credit score and I have been a loyal customer for years to XXXX  with on time payments. The attached item below is the only notification I got and it wasnt from the debt collector it was from XXXX. I had to research the debt collectors number to reach out to them and pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account has been reported as delinquent on my credit report which violates my rights to privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NE

Complaint narrative:
On XX/XX/23 a AHC for {$23000.00} was sent to PNC bank in XXXX PA for an invoice received. On XX/XX/23 we contacted the XXXX about payment and discovered that it was fraud, I called my bank they made a request to return funds, I contacted local Police and the XXXX took all the info I had, also calls were made to the bank by the XXXX that was suppose to receive the fund, by the investigator and myself to report fraud. We were told it was sent to the back office to be investigated. We made multiple calls trying to find out the status but with no help.PNC took no action to put a hold on that transaction until it could be Investigated. XXXX Our bank received a NSF denial to return the funds. The scammers where given plenty of time to transfer the fund out. Now PNC is saying that nothing can or could have been done.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have to constantly change my number because Portfolio Recovery Services calls me constantly. I tell them to stop calling I even have recorded phone calls telling them to stop but they won't. They even called me when I'm at work sometimes they will back to back call me. I will block their number they will use different numbers. I have to change my number constantly I had phone numbers XXXX XXXX XXXX and many more in the past all because this company harassed me. The information they got as well is not correct and I got 2 times that they called me outside of XXXX XXXX  cut off limit. One is at XXXX XXXX  and the other is at XXXX XXXX. Almost XXXX XXXX  at night when I have to work next morning I can't get any sleep. I have recording after recording asking the telling them to stop. They won't atop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today while speaking with a customer service representative. She first advised me that this was a recorded call. Which is odd because usually its stated by their automatic system. However she would not allow me to make any changes or have proper access to my account. Then she began to mumble over her words and became a XXXX XXXX XXXX. They became very despondent when I disagreed with online mobile banking. And afterwards stating that she had to transfer me to another department in which never happened. And they has individuals from third world countries who doesnt know how to fully perform the required simple tasks and its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Company is contacting random 3rd party people from work and relatives via phone and disbursing my personal information illegally about a debt. Asked to cease and desist contact, but went ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a XXXXXXXX XXXXt gift card available to a scammer over the phone who pretended to be from XXXX XXXX. Shortly thereafter I verified with XXXX and XXXX that the transaction was a fraud. I filed reports with XXXX, FTC, FBI & local sheriff. 

On XX/XX/XXXX I called Bank of America and told them that I had been scammed. I asked them to refuse the {XXXX}. transaction on my XXXX card used to buy the XXXXXXXX XXXXt card. They flatly refused any offer to help me. I cancelled my XXXX card with them ( XXXX ) immediately. 
Later XXXX told me they would reimburse me. XXXX XXXX XXXX  offered no explanation as to their refusal at a time I had no idea of XXXX XXXX intentions. 

Copies of the reports available upon request.

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 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Henley, Lotterhos & Henley, PLLC
State: MS

Complaint narrative:
Collection agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. I notice that in my state after XXXX years a person can not be harassed by debt collectors for old debt and also garnishing someone pay for old debt XXXX years old debt but reporting it as it is new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My home loan just recently got sold to Regions bank from XXXX. I contacted Regions bank to day to try and close / release my escrow account so I can pay my own taxes and so on. They told me that I need to pay a fee of XXXX XXXX of the home principle balance, that works out to just about {$500.00}. The bank I left and my loan terms do NOT state a fee to get out of the escrow account. I don't think it is right a bank charges a fee to close an escrow account. It is like they are penalizing for closing this and I don't see how a fee to do is legal and morally right as a consumer I feel this is wrong.

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 2023-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PACIFIC PREMIER BANCORP, INC.
State: WA

Complaint narrative:
My husband 's mother passed away XX/XX/XXXX leaving an IRA account with Pacific Premier to be shared by her XXXX children. My XXXX  was unable to get to XXXX XXXX, WA to collect his portion. The bank manager told me that the funds would be held for him for up to XXXX years. He passed away XX/XX/XXXX without ever making the trip. I went to the XXXX WA branch on XX/XX/XXXX. I learned that the bank had issued a mandatory annual distribution check on XX/XX/XXXX in the amount of {$3700.00} and that only {$3100.00} was left of his share. I was unable to learn where the check was sent or even if it had been cashed. I'd like to know where the money went and why it was sent at all and the bank has not been able to answer my questions. I spoke to the XXXX at the XXXX branch and also called the XXXX number on XX/XX/XXXX. I was told that someone would get back to me but I haven't heard anything. I would appreciate any assistance that you can provide. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: AZ

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

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 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 2023-10-13 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
The Aidvantage student loan servicer will not accept extra payments directed to the principal of a loan, either by phone or online. They will only accept next month 's payment early, which does not shorten the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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 2023-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
We are requesting that the credit report of XXXX XXXX XXXX reflect the timely payments on his mortgage for both properties : XXXX XXXX XXXX, XXXX XXXX, Ct. and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ct. We are alerting PenFed that we plan on making our own tax payment to the City of  XXXX XXXX , Ct. no later than XX/XX/XXXXXXXX  and that they ( PenFed ) not pay the taxes prior to that date. since the taxes are not due until XX/XX/XXXXXXXX  and are late on XX/XX/XXXX. 
We are requesting that if the taxes are not paid on either property, that we be allowed to contract with the City of XXXX XXXX, Ct and make our own payment arrangements by XX/XX/XXXXXXXX   and that PenFed  not interfere with that process. We are requesting that PenFed  not make any payments on our behalf, one month before the payments are due, whether they are billed prematurely or not. We are requesting that PenFed not imply that the City of XXXX XXXX, Ct has the right/obligation or permission to enforce a tax sale for {$3400.00} in the State of Connecticut. The statutory minimum is {$15000.00} in the State of Connecticut.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
The company STAR LOANS IN HUMBLE TEXAS has been harassing me even after I asked over 5 times to not call me. I Informed the young lady " XXXX '' or " XXXX '' that whenever I have the money I will make payment. The young lady took the matter personal and used words that were very unprofessional. She called me " buddy '', " XXXX  '', " XXXX '' and said word for word, " well why did you get the loan if you couldn't pay it XXXX  ''. I hung up after arguing with the lady and asked the company to stop reaching out to me. I asked her, " mam, I will not argue with you, behind {$65.00}. Please stop yelling at me and as I stated when I have the funds I will provide. '' As a place of business, this matter seemed personal and not business professional. 
I also told the company do not pop up at my house due to me having kids and my security. They would bang on the door for XXXX minutes. I have video footage from my security camera as well. This company popped up at my house 3 times and I have video footage even after asking them not too. 

My community is gated and I am not giving access, therefore I'm not sure how they are getting through the front gate. The front office notifies us of any visitors, from doordash to people stopping by, so they are either driving behind a car through the gate, and at that point its harassments. 
After speaking with front office, XXXX ( XXXX  XXXX ) stated they never spoke with the company, and this is our residence. Its their duty to protect. I'd like to file a complaint and also if possible may counter sue for harassments. I have never dealt with such an unprofessional loan company. The payday loan is under {$250.00}, and considered civil, and not major. 

" XXXX '' also said that they would have to sell to litigators etc. I informed them I know the proper protocol and if that's what they need to do, I proudly will take responsibility and deal with the litigators. She then kept arguing. I agreed and I'm assuming she tried to scare me off, but it did not. As a consumer, and anyone, I know how credit works. Report it and leave me alone, Stop harassing me as a personal matter, its a business matter.

Its unprofessional and as a place of business calling me degrading words, that's unacceptable.

I am a current law student, as well and have two well known commercial attorney parents and finishing my last year. As learned and experienced, harassment is unacceptable, with no exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am suffering financial hardship and having difficulty paying my bill to Comenity Bank that holds the account on my Big Lots credit account. 
Comenity Bank does not observe rule under the FDCPA of calling 7 times within a 7 day period, or once within 7 days if they have spoken with me. 
I have record in my phone of at least 4-5 phone attempts PER DAY. Today, XX/XX/23 they have made 2 attempts within a 19 minute period. 
I also recall within the last week that I spoke with someone and asked for the repeated calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an alert that my credit report was updated. I checked Experian ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  don't have any accounts open XXXX XXXX XXXX apart from my credit cards. I disputed this with Experian but the fraudulent account wasn't removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief