vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
An account using my personal information was created with a consumer company called XXXX XXXX through the Comenity Bank. The charges have shown up as delinquent on my credit report since XX/XX/XXXX. My credit score shows an account made with XXXX XXXX under my name on XX/XX/XXXX. There are several charges shown on my credit report including : balances of {$59.00} on XX/XX/XXXX ; {$120.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. These are listed as delinquent charges on my credit score. 

I believe this to be identity theft because I contacted Comenity Bank and they found an account made with my personal information including my name and home address, which I did not make. A phone number which does not match my personal number was listed in the account. Comenity Bank did open an investigation on the account. 

My personal banking company, XXXX XXXX, also filed a dispute but recommended I submit a fraud claim with the FTC as well. I would like these charges to be absolved as these charges have negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
NO THROUGH REVESTINGTON HAS BEEN DONE IN THIS MATTER.I HAVE PROVIDED COURTS DOCUMENTS AND COUNTY RECORDS TO HAVE THE MATTER RESLOVED.SEVERAL TIMES WITH NO RESPONSE.

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DMB Financial, LLC
State: AZ

Complaint narrative:
I signed up in XX/XX/XXXXfor debt consolidation with DMB FINANCIAL on XXXX XXXX they said that after they settled all debt they would take a fee of 25 % as their fee ;. I tired to negotiate the fee as for their services as it was high they said the 25 % was allowed by the state of AZ they called me in XXXX saying the had first fee settled with XXXX card {$1.00} and change and now they wold take 25 % per file per credit card. Said that was not what you represented when I agreed to your servicer they said 25 % is open to interpretation. 

NOTE I had tired to fight XXXX card since XX/XX/XXXXfor a lost payment of XXXX dollars which i they first acknowledged and said me a credit then two months later said they had made and error the Supervisor who had found the error vnsihded form working at XXXX  in XXXX. 

I had filed this as a complaint in AZ Attoney gnerail nothing was done so in XX/XX/XXXXI signed up for this credit consolidation of debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I did a settlement offer with XXXX XXXX XXXX for a Navy Federal credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer in the amount of {$430.00}, which was my account balance with Macy 's. Macy 's declined the balance transfer. I was issued a check in the amount of {$430.00} by XXXX XXXX XXXX, and I went to their retail store located at XXXX XXXX XXXX, XXXX, TN XXXX. On XX/XX/XXXX I paid with the check that was payable to myself and Macy 's in the amount of {$430.00} with the check number XXXX. I was attempting to make the payment due. 

Unfortunately the payment system did not perform well, because the payment was never credited to my account. The next month I noticed that the bill was still showing as " not paid '', so I called Macy 's on several occasions, and they told me to fax or mail proof of payment, so I did along with a bank statement showing that the payment went through, in addition I included a copy of the check which had gone through my bank account. This occurred several times with me trying to show Macy 's proof of payment, via fax, mail ( which includes postal confirmation ) to no avail Macy 's still shows payment not made, and at this point they are charging me interest and late fees. After sending numerous letters, email, and talking to Macy 's, I could see that this will not be resolved easily. This is why I am now contacting the CFPB to see if you could assist me in rectifying this false claim that I have not made my payment. My account with Macy 's should be XXXX, instead, I have been reported to all three credit bureaus, and have now been placed in collections, and with the fictitious late fees, they now claim I owe them {$720.00} which is a false claim. 
As proof for the purposes of the CFPB, I am sending the XXXX Macy 's Account Statement, which if you subtract the {$10.00} interest charge the payment would be the {$430.00} which I paid in store and will be providing you with proof of payment, which was made on XX/XX/XXXX, which would XXXX  out my account. In addition, I am providing the register receipt of payment, and a XXXX XXXX bank statement. The credit card number I will be providing is a new card and number issued by Macy 's XXXX before they closed my account. Finally, I am submitting letters from the Macy 's Executive office acknowledging a problem, but never resolving the issue. Thank you.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have requested to do a verification and validation of this debt with a Photo copy of my identification or SS. They have not given me what I have ask for on numerous occasions. I am requesting to be deleted due to not be able to verify the information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I have been overcharged for Hazard insurance multiple times even with my uninterrupted home insurance evidence submitted to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!

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 2021-01-13 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: NY

Complaint narrative:
NO THROUGH REVESTINGTON HAS BEEN DONE IN THIS MATTER.I HAVE PROVIDED COURTS DOCUMENTS AND COUNTY RECORDS TO HAVE THE MATTER RESLOVED.SEVERAL TIMES WITH NO RESPONSE.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I received a debt collection request whose creditor is XXXX  XXXX XXXX. I don't owe the debt ( I don't even have an account in XXXX XXXX XXXX XXXX. Last year when they tried to collect the debt through some debt collector ( I forgot the name ), and I disputed it. However this year, again, they send me a collection letter, from a different collector, MRS BPO, L.L.C.. 

I don't owe the debt, and I have disputed it. So I don't understand why they send me another debt collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Even though I have been sending, and company acknowledging my receipt of, a loan modification application since XX/XX/XXXX, they just now are saying it was assigned to underwriting on XX/XX/XXXX. Now all 3 of my unpaid months are being reported as late all the time they have been in receipt of my application. No response to ANY emails ... how can a company just ignore people like that? When they " reach out '' to us it's an automated message telling us to call back ... to be on hold for more than an hour just for them to ask for money but no answers to the loan modification. This is the worst loan servicing agency I have ever dealt with.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
I received an alert on XX/XX/XXXX from XXXX  that there was an update to an credit card account on Equifax. The comment on the account read, " Collection account. Affected by natural disaster. Variable/Adjustable rate ''. I immediately called the credit card company and they assured me that there is nothing on my account that would warrant that comment. Also, that they did not send any comments of that nature to the credit bureau. For the past week and a half, I have been contacting Equifax. Every time, I am told that the system is down or experiencing a system update. That I have to call back in an hour, two hours, or the next day. On XX/XX/XXXX, I spoke to a representative and she informed me that as soon as she was about to submit the dispute that the system went down and call back in 30 minutes. Today I spoke to an representative at XXXX XXXX PCT and was told that I had to call back in two hours because the system is experiencing an update. This comment is negatively affecting my credit as it stating that my account is with a collections company. Of course, there are no collections on my report but it seems as if the credit card has been sent to one. This account has never been late nor placed in any type of program for any natural disaster or anything of that nature. Also, you can not submit a dispute online because when you get to the end and are ready to submit, the system is " experiencing an error '' and it can not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received credit card application mailers once a week for the past 5 weeks from Capital One. Each mailer says I have been prequalified for the offer. I decided after the third mailer that I should apply since they continue to send them to me. I applied on-line which was the only option on XX/XX/XXXX because I am a current Capital One customer and assumed they would not mail me something I would not get accepted for. Capital One rejected my application which hurts me financially since they did a hard credit pull. I followed up immediately and asked why they rejected my application - I have three open lines of credit on my credit report to include an auto loan with Capital One and two student loans, each of which I have been paying on for 12+ months and have an excellent payment history. Capital One has access to my credit through the auto loan. I have a full time software development job and my earnings for 2020 are high. The rejection letter says I have too high of balance on a revolving line of credit but I have no revolving lines of credit - The letter even states that 'Lack of recent bank/national revolving information '. Customer service on this issue has been poor. I received yet another mailer today for the same offer today saying I am pre-qualified. I think the offer letter sent to me is misleading especially since I am a Capital One customer and they have information on me, and the rejection letter I received appears to be not correct on why I was rejected. This process hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I REQUESTED THE METHOD OF VERIFACATION FROM TRANSUINION THEN THEY STATED THE US BANKRUPTCY COURT WAS WHO THEY VERIFIED THE ACCOUNT THRU. I WROTE THE BK COURT AND THEY WROTE ME A LETTER STATEING THAT THEY DO NOT REPORT TO ANY OF THE AGENCIES, I WROTE XXXX XXXX THEY SENT A LETTER SHOWING THE ACCOUNT DELETED AND THAT LETTER WAS SENT TO TRANSUNION AND THEY STILL WILL NOT REMOVE THE BANKRUPTCY. THESE LETTERS OF COMMINACTION ARE ATTACTED IN THE UPLOAD. THANKS FOR YOUR TIME.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XX/XX/2020 Receivable Management has applied a debt owed on my Credit Report. I have ask for verification, Validation and not bill. On XX/XX/2020 they have notified me stating they will remove the debt from my Credit Report. The reference # XXXX, Im requesting this go effect immediately, because it is damaging my Credit.

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 2021-01-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: DISCOVER BANK
State: PA

Complaint narrative:
On my report there is a closed account with missed payments. DISCOVER FINCL SVC LLC # XXXX Its not mine account. This account belongs to my ex wife. I no longer share finances with her, I want to ask XXXX  to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
Law is clear, account have to be 100 percent accurate & consistent under the FCRA & FDCPA, and these account is vastly different if your sources is the same. XXXX  credit bureau reporting the account is open XXXX  credit bureau reporting the account is collection, both can't be accurate this is a violations. each reporting a total different account name which is high lighted this is a violation both can't be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NC

Complaint narrative:
Received notification from XXXX  that a collection was added for a company by the name of TEK-COLLECT, INC. Never received any documentation about this debt or type of communication period. The notification came through on XX/XX/XXXX, stating a collection in the amount of XXXX and the first date of delinquency was XX/XX/XXXX. No original company information was provided when this alert came through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Submitted FTC report, statement and credentials for these accounts listed to be blocked and removed from my credit report. 
XXXX XXXX/ XXXX XXXX  Acct XXXX XXXX  Acct no : XXXX XXXX  Acct no:XXXX XXXX XXXX Acct no : XXXX XXXX XXXX  Acct no : XXXX XXXX  XXXX Acct no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, my son was told he required an immediate XXXX to identify the cause of issues he was having. As he is underinsured, he was unable to pay the {$1400.00} doctor fee. I, as his father, did not have the funds either and was forced to use my Care Credit card to pay for it. I have been making monthly payments on the balance starting in XX/XX/XXXX. Due to COVID, my son was unable to pay the full balance due on XX/XX/XXXX and Care Credit ( Synchrony ) charged a penalty payment of {$420.00} in addition to the {$1000.00} due which I think is criminal ( 26.99 % ). Now the issue is even worse and I do not believe that taking advantage of people during a pandemic is fair or reasonable. My son is still unable to pay and now I will have to pay it which puts a tremendous strain on my finances. Please advise what can be done.

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