vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt. 

I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Quicksilver credit card advertises 0 % interest rate on balance transfers, with no mention of a time sensitivity or deadline for this new account offer. After my approval for the new card, shipped to me XX/XX/2018 and received XX/XX/2018 I was informed that the balance transfer option was not available to me, and supposedly that offer had ended XX/XX/XXXX, after my card was approved. 

I called and talked to customer service, asking to complain. I was put on hold for a second time and my call was not transferred to a manager in a reasonable hold time. 

There is no email listed for consumer complaints. 

I emailed the card president with an email address that I researched and deduced, XXXX XXXX listed on corporate web pages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
The co XXXX XXXX XXXX is claiming that I purchased a vaccum cleaner for XXXX! in XX/XX/XXXX. At an address I did not live at. Prior to XX/XX/XXXX they were reporting I owed XXXX $ now after I disputed and proved them wrong they are reporting it as XXXX Paid by dealer. This is not my account, I proved it is not even my address and who in their right mind would pay XXXX for a vaccum cleaner. It is absurd that credit bureaus allow any information to be placed on a persons file with incorrect address and SS #. This co reported my number no where close to what it is. Please help, this co calls my daughter at work cell phones sends mail to their houses therefor reporting to bureaus that I have all these different addresses and I don't. They change the dollar amounts the dates the entity etc. This has to be illegal XXXX XXXX XXXX XXXX address XXXX XXXX XXXX Ohio XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
This is the 2nd year that my mortgage company Freedom Mortgage is almost late paying my property taxes. This is totally unnacceptable. I received a letter from my county stating that taxes are due and the mortgage was late sending payment out. This is a big inconvenience as I almost had to come out of pocket to pay it. Something needs to be done with them. I rather have another Mortgage servicer.

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 2018-07-17 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: AES/PHEAA
State: TN

Complaint narrative:
I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
Collection agency said account placed was cancelled and would be removed from credit report. It damaged my FICO score. It has been more than 2 weeks- I want this off!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Account for Kohls was paid off in full XX/XX/18 - cleared my credit union on XX/XX/18. 
As of today XX/XX/18, account still shows no credit available. I called three times in the past 4 days and they gave me the same excuse - it takes a while for it to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I had a lease and lease was over and electricity never turn off. I informed XXXX XXXX that we where closed and i did not receive the final bills from them. XXXX XXXX is also over charging people, did not take time to read those meters and according to what someone else was paying they assume to continue charging the same amount. and when you call to dispute they always come with a literature so they don't remove those high bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: CA

Complaint narrative:
I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: MD

Complaint narrative:
I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With comenity doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....

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 2018-07-17 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: MD

Complaint narrative:
I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX   immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account.

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX  decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX  they reduced it to a XXXX  as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly.

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem.

I need a resolution asap. I pay every bill on-time every month ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: MD

Complaint narrative:
I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....

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 2018-07-17 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: CORELOGIC INC
State: FL

Complaint narrative:
CoreLogic XXXX XXXX, XXXX XXXX, CA XXXX Toll-Free : XXXX XXXX XXXX XXXX, Local : XXXX XXXX XXXX XXXX. 
InXX/XX/XXXX/ XX/XX/XXXX, an attorney on my behalf contacted CoreLogic & provided documentation regarding a false report by CoreLogic, a 3rd party Credit reporting agency for " criminal history ''. The supervisor from CoreLogic assured my attorney & I over the phone that this would be removed. We provided proof the " XXXX XXXX XXXX '' was AMENDED TO A NON CRIMINAL OFFENSE OF XXXX XXXX, WHICH IS A DEGREE of " XXXX '' -not a criminal act &  as petty as XXXX. NOT A XXXX OR XXXX. FROM NJ-XXXX County, XXXX XXXX, NJ. Yet Core Logic Continues to refuse to allow me to email their legal dept with proof, they have no portal where I can upload the documents and they refuse to email me back stating they can only snail mail me! They provided XXXX which is merely a scripted emailbox & no real live person responds. I got a scripted email stating I'd get a memo from them in mail in 30 days after I disputed with this email address. NOTHING HAPPENED. This has been ongoing problems for years which has cost me thousands of dollars, affected my housing and my quality of life. this company should not force consumers to be on the phone for hours on hold then force consumers to provide them their soc sec NUMBER as a form of identification and other identifying data, opening them up for more fraud, and then if they can't answer their 'identifying ' questions, they are not helped. They need to have a better policy in place than 'snail ' mail & this horrible 'email ' address which does nothing as they are not answered by live people. Then consumers must wait 30 days for a snail mail letter. They should provide it via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I collided with a taxi in XXXX while driving a XXXX rental car with American Express Premium Rental Car Insurance Protection. When I turned the car in, XXXX charged me an additional XXXX in XXXX pounds for damage estimate on my American Express Blue card. I filed an Amex insurance  claim over the phone one hour after the fender-bender. I completed all of the paperwork required. Amex then said they would handle the claim and contact XXXX. XXXX has never responded to Amex 's request for paperwork. I called Amex periodically over the months and was told there was nothing that could be done until XXXX XXXX attorney in XXXX  responded. I was told that it often took longer than 60 days to resolve a claim.

In mid-XX/XX/XXXX this year, I called and asked for a supervisor. XXXX told me I should not have paid the estimated damages because XXXX has no incentive to respond. XXXX said I had filed everything correctly and they had all the paperwork. She asked if I had disputed the amount. I said no, because I believe the insurance would cover the charges. XXXX said it was too late to dispute, but she would have the Amex claims adjuster contact me in two business days with a resolution. She said Amex could credit my account despite the 60-day window for disputes having closed.

I never heard from Amex. I called Amex insurance again this morning XX/XX/XXXX and was told I should have filed a dispute and that it was still possible to do so. I was transferred to Disputes, who said it was impossible as 60 days had passed and that the insurance division was separate from the dispute division and they were wrong. He tried to transfer me back to the insurance division but the call was dropped.

How do I get reimbursement for what I paid for the damage estimate and fees? Amex Insurance told me it takes more than 60 days to resolve ; Amex Disputes says the window closed at 60 days. The contract states the insurance is provided by AMEX Assurance Company, XXXX, A under Policy XXXX.

In short, American Express is giving me the round-around and I would like to have this resolved, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I checked my credit report with Equifax credit bureau on XX/XX/2018 and noticed they put collection on my account. ( {$50.00} medical bill ) for service which i never recieved. Since i filed dispute over the phone with Equifax rep i noticed second collection on my account - exactly same amount, date and name of debtor. So technically they just copied same debt twice on my report. So now i have two collection records about same false medical debt. I called Equifax immediately and been on the phone with different people - reps, supervisors and managers. They all assure me this is not they fault and they just blame on collection agency ( XXXX XXXX XXXX  ) I already filed complain with CFPB about collection agency two times, first time they stated, they put only one report about this false medical debt. Second time is still no answer yet.

Company response to consumer: Closed with explanation