vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX of 2019 XXXX XXXX credit card through comenity bank notified me that the account was closed and I was no longer responsible due to fraudulent charges. In XXXX I received a notice that a payment was due, I can not access the account and when I try to contact them I am advised there is a payment due and no further information can be given. I haven't received any type of statements or notices regarding the account, this is illegal and unfair billing practices according to MD law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
Every year I pay an additional amount on my two student loans to Discover Student Loans and every time they mishandle it and I have to resolve the problem myself each time. Most recently I attempted to pay off my loan on XX/XX/XXXX and payment was posted and processed and the over {$8000.00} payment I posted and recieved confirmation was then changed to the minimum charge which was just over {$100.00}. They now are attempting to continue to charge interest on the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XX/XX/2019, I received a letter from Midland Credit Management , Inc . I almost threw the letter away because of the way it was sealed in two envelopes with no address on the outside of either. When I opened the letter I was amazed and shocked. Midland had purchased a debt from XXXX XXXX. I have never heard of Midland or this bank. This is the first documentation I have ever received from either of them. I noticed the wrong address on the envelope and had seen that address before on one of my credit reports and so I called them. Midland had requested a copy of my report. I have never had any indebtedness with anyone. I decided that my name had been compromised and went to work on " Identity Theft ''. I did find out that this debt company is not accredited and has the lowest of satisfaction " 1 '', the lowest you can go. Consumer affairs has given them an unaccredited brand. I was advised to call Midland, and against my better judgment I did call them and spoke to the rudest, unprofessional person named " XXXX ''. She very loudly started mumbling and I asked her to slow down, I could not understand a word she was saying. She would not. I was trying to tell her that I was questioning the bill sent to me. She did not seem to care and kept mumbling. I hung up the phone. I have started the process of calling difference agencies to protect myself. I have lived in the same house for years and have never had an overdue debt of any kind nor have I received any documentation of indebtedness from anyone. I am not and have never been, past due anywhere. I have excellent credit and do not want this company attacking or putting judgment on my credit rating. Is this FRAUD? A SCAM? I think so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have disputed this debt with the collection agency and submitted to them documents they have asked me a month ago, they said this is under investigation and they are sending it out to their partners that was a month ago, this week Saturday on the XXXX XXXX my credit fell behind 80 points due to a remark from this collection agency a negative remark that I am late 5 months, I called and asked to speak with a manager and he confirmed this is still under investigation but yet added a late remark on the account he told me he will remove this remark but he didnt he said this is a recorded phone like he is the manager name XXXX and assumed me this remark will be removed as its still under Investigation yet he still didnt- why would they add a remark when this account is under investigation yet why would the manager confirm he will remove this remark and NOT remove it? I have done everything they have asked me to do, to send detailed insurance information to send insurance on the day of service they asked me yet I havent heard anything back from them but they add a remark?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: LoanCare, LLC
State: NC

Complaint narrative:
I have two mortgages with XXXX XXXX/loan care, they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was alerted to possible fraud on my account by Goldman Sachs ( XXXX XXXX ). I immediately checked the transaction. The bank had flagged the two subsequent ones and declined them but the first one went through. I called them and notified it was fraud. My account number was changed and then days later I saw a temporary credit for the amount. It was {$2500.00}. A few days later I receive two emails. The first one saying that they ruled in favor of the merchant ( the merchant is in the XXXX, I live in Florida ) and that I would be responsible for the charges. The second email stated my account was closed! The entire account was closed. I called them to ask what was going on. They said because my account was closed they could not help me. They were extremely unhelpful. I explained that this was clearly fraud, the merchant had tried to charge my card after the initial charge and it was declined, and then another fraudulent charge was also declined. I had immediately contacted them. They could not provide me with any documentation why they ruled in favor of the merchant and why they closed my account. I am enclosing copies of everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX foreclosed on my duplex for a loan that was paid off and released XX/XX/XXXX. 
XXXX subordinated to a mortgage on my duplex XX/XX/XXXX. 
This mortgage was released XX/XX/XXXX. 

The recorded deed of trust has no exhibit A showing the legal description. 

XXXX XXXX subordinated to a second mortgage released in XXXX. 
The final XXXX XXXX loan should have been released in XXXX instead of the second release of XXXX XXXX XXXX. XXXX  transfer to XXXX paid off the mortgage assigned to XXXX XXXX in XXXX. XXXX transferred to XXXX XXXX for ... ....? Nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
I have an account with the creditor. I was NEVER contacted to say my account was closed! They just closed it without my knowledge. I called to make a payment and then I was told it was closed. So I didn't pay anything. I had XXXX XXXX!! I called to tell them. How could i pay ANYTHING when im having XXXX. They could have been understanding!! What if this happened to them. Always try put yourself in the other person 's shoes to see how they feel. I have credit cards and NO ONE just closed my acct without me knowing! This was very unprofessional and not fair!! I need my acct open! I will pay it!! It just needs to be opened because I didnt not request for it to be closed! I had XXXX! Be fair to me who had to undergo XXXX! I'm not thinking about a bill on the XXXX XXXX! You have to understand that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I have two mortgages with lake view/XXXX XXXX they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I've sent letters on XX/XX/19 and XX/XX/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ XXXX account sitting on my credit report that I had no knowledge of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
We have a property in XXXX and sold some furniture for XXXX Euros which I placed in my XXXX bank account at the XXXX XXXX. We then made a wire transfer order with my XXXX bank to wire XXXX Euros to my U.S. bank, XXXX XXXX XXXX XXXX. The wire transfer was made on XX/XX/XXXX via the correspondent bank, The Bank of New York Mellon. 
As of today XX/XX/XXXX the money has not been deposited to our U.S. Bank. My XXXX  bank has confirmed that the money is with NYB Mellon. I have tried to speak with the Wire Transfers Investigation Department at NYB Mellon, but they refuse to speak with me ; they will only speak to either my U.S. or XXXX bank. 
Both my U.S. bank and XXXX bank have called NYB Mellon and they report back to me only vague answers that the money has been received at NYB Mellon, but give no reason for not sending it on to my U.S. Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2018. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Theses account where open all around the same time i have file many disputes but nothing has changed i have a big problem with identity theft which the company is aware of I have attached proof that other credit company have removed the accounts XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX {$36000.00} XXXX  XXXX XXXX, XXXX {$36000.00} XXXX XXXX XXXX, XXXX {$33000.00} XXXX   XXXX XXXX, XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

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 monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have tried multiple times to get XXXX XXXX to remove the account from my credit report because I no longer owe on the account and have a letter from them from back in XX/XX/2018 stating so. i need the credit bureaus to update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Company of concern : Bayview Loan Servicing XXXX XXXX XXXX XXXX MI XXXX complaint : After a refi, this company took over servicing from the lender that closed the loan. During the loan closing process and after the loan closed Bayview has been repeatedly requesting that we supply them with proof of hazard insurance. We have provided ( myself and my insurance agency ) to the whomever the person from Bayview requesting the docs at the time of inquiry. I've emailed on several occasions and even used their online portal system to submit the docs. I've requested several times from Bayview that someone please acknowledge my proof of insurance and remove me from the " final notice '' list. They send me a letter every month explaining they need proof. They also state they will auto draw an absorbent amount from my account to cover the cost of insurance. 

I'm at a loss and don't know how to move forward with this company. I'm hoping my complaint will help solve the service issue I'm experiencing. To be honest, these tactics feel predatory.

Company response to consumer: Closed with explanation