vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
From : You Sent : Friday, XX/XX/XXXX, XXXX AM ( XXXX ) To : Comenity Bank Subject : Payments Message ID : XXXX i made a payment via XXXX XXXX XXXX XXXX XX/XX/XXXX electronically, in the amount of {$400.00}, which Bank says cleared XX/XX/XXXX, but not reflected when I log in XX/XX/XXXX, and review transactions/statements. 

From : You Sent : Friday, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX To : Comenity Bank Subject : Re : Payments Message ID : XXXX I spoke with Comenitys `customer service XX/XX/XXXX in XXXX who after reviewing the payment I made to our closed account XXXX,, who was nice enough to write a letter internally to have the {$400.00} reapplied to my current account umber XXXX, who said it could take a week. I also issued a payment in the amount of {$29.00} through XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which since via mail scheduled or antipathy to be delivered XX/XX/XXXX. Shame the address for mailing payment to Comenity, - My BJS Perks XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX, only accepts mail from XXXX XXXX XXXX XXXX instead of a electronic payment system. 

HAD COMENITY BANK, when they received the {$400.00} on XX/XX/XXXX to our closed account, rejected payment because account was closed or immediately sent notification to the old account number telephone number and email on record, payment of the {$400.00} could have been reapplied to the new account number. The gentleman I spoke with who supposedly wrote the internal letter to have money transferred to the new account, I hope was telling the truth. I received a email last night saying funds have not been received. 

I see the very, very, very poor rating of Comenity on the XXXX, and now regret getting the new account under my names versus the closed account under my deceased wifes name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I became very XXXX and my husband and I contacted Flagstar Mortgage company for help and they said they would help. They put us in a forbearance for a year and then they wouldn't refinance with us after that year we were told that we had no contract with them we ended up in court and we won the case so they sent us a new mortgage that saves us XXXX ... .they 're not reporting or payments or non payments to the credit bureau so we can not refinance with another mortgage company.

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 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Transunion yesterday to follow up on my dispute with XXXX credit management. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX credit management asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.

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 2021-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: NY

Complaint narrative:
UMB Bank National Association provides account servicing services to my Health Savings Account with XXXX. 

On XX/XX/21 I initiated a wire transfer for {$3500.00} to my Health Savings account routing XXXX account XXXX. 

The wire of {$3500.00} has been returned instead, and the UMB kept {$50.00} fee, despite advertising no fees associated with the incoming wires. 

Please kindly, look into similar complaints in this matter and advise how could we recover missing {$50.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : 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 2021-07-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : 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 2021-07-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : US DEPT ED Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion had a fraudulent transaction on my credit report. I submitted a police report to them showing that I am a woman in XXXX and that the person who took out a credit card from XXXX XXXX was a man in Florida using my social security number. Transunion website won't give me my credit score and credit report since I have a fraud alert on my account. I object to Transunion having the ability to block me from getting a new car lease because of something inaccurate that they reported. I think they have a responsibility if someone's credit history for 30 years suddenly doesn't match up that they call the customer to check the accuracy. They want to charge me to get 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
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not yet resolved the issue. Below the company details : SYNCB/PAYPAL XXXX XXXX XXXXXXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
The debt collector pursuant to 15 US Code 1692a ( 6 ) has contacted my by phone and mail with profane language and also stating that I the natural person/consumer allegedly owes a debt which is a violation pursuant to 15 US Code 1692b ( 2 ). Also, violating 15 US Code 1692e ( 2 ) a the character, amount in a positive amount which can not be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: CT

Complaint narrative:
I use " Grain : The XXXX Credit Card '' app and I can not login to update and pay my bill. The app store has tons of reviews of the same issue, they sent out an email saying it was resolved but I still can't login. I have automatic payments but they disconnected my bank account. They are refusing to let me pay for my bill because there is no other way to access the account other than the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is making things difficult for me about an insurance check for the repairs on my house. The check is made to me first and then Carrington. XXXX is real rude toward me she disconnects the phone during business hours she is very unprofessional. They want to keep the money for themselves and do as they please with it. While I need to fix the repairs. They want to put the money and they decided when to give me the money. I was lied to by this one Carrington employee when this woman e-mailed me an information packet. I paid {$39.00} to overnight the check now they refuse to sign it and have mailed the check back. XXXX refuses to speak to me being a brat and very unprofessional.. Then she thinks she is going to sick a male on me. To bully me. She is handling this but refuses to speak with me. 

I am being abused and discriminated against because I am a single widow female who isn't married & they think that they can treat me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MoneyLion Inc.
State: FL

Complaint narrative:
On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX  and XXXX  needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with MoneyLion : XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from MoneyLion ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
About a week ago my car was broken into and my wallet and checkbook were stolen. Somebody fraudulently deposited a check of mine into their account and my debit card was also used to make fraudulent purchases. TD bank called me to inform me somebody has deposited a check and called me to confirm if it was me. I explained to them that I did not and that somebody stole my check and deposited it. Due to that happening TD has froze my account. I called customer service and was informed to go to my local branch and they will help me. I went to my local branch and was told to call the Demarketing team and to leave a voicemail which I did and have yet to receive a call back. I have responsibilities and need to access the funds that are in my account. Please help me recover the funds in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
I got an email saying that my prepaid card materials had been returned as undeliverable, and that I needed to update my physical address. I spoke with one associate earlier this morning, about XXXX and he said that it was marketing, not to worry, etc. I called about XXXX later this morning and she was trying to verify my SSN and it wasn't pulling up my account. I told her I didn't know the physical address on file since I never applied for it in the first place. I got a little frustrated saying that since I got the email, that the account had been opened without my knowledge. She said that she would close the account and that they would forward it to their ( other ) department and that no further action was needed, except to contact the FTC and file a complaint.

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
This is a followup complaint to CFPB Complaint ID # XXXX. Commonwealth Financial Systems, Inc sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
Consumer Adjustment Company showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX XXXX  XXXX XXXX I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/JCP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
Specialized Loan Servicing - XXXX Original line of credit Loan established in XXXX of XXXX. In XXXX the loan was transferred to Specialized Loan Servicing. Made monthly payments on the loan for 10 years and received a balloon payment notice in XXXX of XXXX showing a balance of XXXX due within 30 days. Company would not accept any lesser amount and rejected all monthly payments made after XX/XX/XXXX. Trying to comprehend how the balance is still XXXX after paying on the loan for 10 years. We attempted to work out a payment plan with company, they didn't want to accept anything less than the original amount. We then started working with primary lender refinance first loan to payoff the second mortgage line of credit but In XXXX the company started foreclosure proceedings which forced us into bankruptcy to keep the house. When covid hit in XXXX we were 2 and a half years into the bankruptcy and had the bankruptcy dismissed due to unemployment. In bankruptcy we were paying XXXX per month towards the loan but the account still shows XXXX due. We are working to refinance again but find it hard to believe that we have paid out almost XXXX towards this loan now in the past 14 years and the balance is still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC
State: FL

Complaint narrative:
I've contacted North State Acceptance several times this year in order to get the original contract for this alleged debt on my credit profile that I do not owe. I have not received a response for my request at all. This error is hurting my credit profile severely! I never received a auto loan for the debt in question. I never heard of this company. On my report it stated it was a repossession. I never had a repossession ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P.
State: MD

Complaint narrative:
This debt collector as defined in 15 US Code 1692a - Definitions has been harassing me with calls and letters pursuant to 15 US Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 US Code 1692b ( 2 ) not state that such consumer ( me ) owes any debt.

Company response to consumer: Closed with explanation