vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
My mortgage is wi th Bayview Loans tr ansferred from  XXXX   XXXX  i n 2015. I  have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I sent out debt validation letter and letter to verify account the collection agency refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.

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 2017-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I  have allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have sent validation letters so they can verified account. I have not received any information on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems has violated the FDCPA and the Fair Credit Reporting Act. They reported several accounts on my credit report that has not been validated. I contacted both the company and XXXX to demand validation of the debts they are trying to collect and are reporting on my credit reoprt. I also disputed the debts with XXXX. XXXX deleted 3 of the collection accounts in XXXX 2017 because they were unable to validate and today I noticed that the collection accounts have been added back to my credit report with no notice received that they would be added back and the other 2 still remain on my report. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt. I have received no proof ( signed documentation ) of any type that this debt belonged to me as I demanded. There was no date of verification nor any documentation of the authorized HIPAA business relationship between Progressive Management Systems and the original creditor. Being that I have never been without medical insurance it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS

Complaint narrative:
I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to 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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX XXXX for over 10 years on my home mortgage. I found out through a XXXX XXXX XXXX who have been my mortgage assistance loan officer on XX/XX/XXXX, that Bank of America holds my mortgage. This is the first time in almost 18 years that I been living in this home and just found out that Bank of America holds my home mortgage. I would like for the federal agencies to find out how didi XXXX XXXX XXXX XXXX XXXX and Bank of America changed my HUD/FHA loan to a USDA loan. I have a company of my original paper I signed at closing on XX/XX/XXXX and the section paged in my files is the page I signed with a HUD addendum and FHA Insured Loan. No one ever gave me a copy of any USDA loan I signed and I want to know how my loan was changed. And why XXXX XXXX XXXX and Bank of America is trying to steal my home when I have numerous proof I can pay a {$750.00} home mortgage.

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 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I need help in getting the written dispute policy and procedure guidelines for the  American Express Business Card.      I continue to struggle getting a consistent and complete action when I inquire or dispute a merchant charge.     There are times when I inquire OR dispute a charge and nothing is do ne. I continu e to have to make follow up calls to Customer Service after I see NO action is being done on their behalf. I feel they are giving me answers to simply get me off the phone as they are NOT following through on their words. This type of business practice has continued for years.     I have asked  American Express Customer Service many times for a copy of their written dispute policy and procedure. They will NOT provide me with this information. Is there also a 3rd part y representative that can assist me in making sure I am treated fairly and make sure their policies are followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I realized in XX/XX/XXXX that AFNI, Inc. had reported information to the 3 credit bureaus that I owed {$940.00} for a debt to XXXX XXXX XXXX. I requested validation of the debt onXX/XX/XXXX. I received some documents in the mail from AFNI , Inc. in regards to  the alledged account. I also contacted XXXX XXXX XXXX regarding this account and they told me that they had no record of this account and that I would have to speak with the collection agency that is reporting on all three Credit Reporting Agencies. I am very concerned about fraud as I have no knowledge of this account nor no knowledge of the phone number listed on the alledged account. I have had the same phone number since XX/XX/XXXX -- which happens to be very smiliar to one of the phone numbers on the " bills '' that were sent to me " validating '' the account -- alledgely from XXXX XXXX XXXX. It is obvious that something was suspicious about this account because there were only 3 bills, two stating that my balance was {$940.00} and the last one had no charges on it.AFNI, Inc. did not provide me proof that I signed an agreement with XXXX XXXX XXXX or that XXXX XXXX XXXX can show proof that I had an account with them. I have no proof to say that this is not my account -- how could I when I have NEVER had this phone number, I have no idea where this account came from and XXXX XXXX XXXX has no record of this account? <P/>I reached out to AFNI, Inc. on the following dates via email :XX/XX/XXXX -- Request to validate debt -- no responseXX/XX/XXXX -- Second Request -- no response XX/XX/XXXX -- in response to AFNI , Inc. 's response that there would be an investigation XX/XX/XXXX -- Request for status update since it had been 30 days -- no responseXX/XX/XXXX -- Request for status update -- no response XX/XX/XXXX -- received a response in the mail. AFNI,  Inc. sent me 3 alleged bills from XXXX XXXX XXXX. Two had a balance of {$940.00} with various charges and the third had no charges. How does a billing cycle go from new account {$0.00} balance to {$940.00} in charges in two months for phone service and then no charges? This is fraud. XX/XX/XXXX -- Request to remove account from Credit Bureaus since there was no proof of debt XX/XX/XXXX -- Request to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no responseXX/XX/XXXX -- Request for response to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My first letter with this company was last  XXXX   2016 . I have been writing letters to this company for more tha n two years. I 've made several request for this company to investigate, re-investigate, requested c opies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in pla  ce even though TWO YEARS has already passed.
<P/>
Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing   at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Bank of America card for a year and I made my payments on time without being late and I was supposed to get my  XXXX  deposit back after 12 months of good payments and I was denied twice in the past and I had a inquiry for that I got a letter from Bank of Americ a saying I w as denied because I had a past credit card that I did n't open up back in   XXXX   which I did n't open up I was  XXXX  at the time and did n't had no credit at all the bank found out there is no fraud so I was responsible for that card I feel like Bank of Americ a is lyi ng to me and m y credit score i s  XXXX  and they wo n't give me my  XXXX  back to 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 monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been writing letters to this company for more than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even though TWO YEARS has already passed.   Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation