vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
I had several deaths in my family recently and had to assist with burials of several family members. This caused me to become delinquent on my mortgage, my mortgage servicer Flagstar refused to assist me with saving my home from foreclosure. I sent Flagstar mortgage payments trying to make the required payments. My mortgage payments were returned to me and a property foreclosure sale date was set. I've submitted request for mortgage assistance several times in the past months, but they keep giving me the run around stating they have didn't receive my documents or closing my mortgage assistance requests. I have recently resubmitted request for mortgage assistance with my financials again. 
My homeowner insurance company XXXX XXXX made a insurance payment to XXXX to replace my roof and repairs water damage to the interior walls and ceilings of my home. Flagstar refuses to disburse the balance of the insurance proceeds for the completion of the repair that I completed to the interior of my home. Flagstar has sent someone out to inspect my property for the completion of the repairs and I still don't have the check. Flagstar has been difficult to work with and they provide terrible customer service. I don't want to lose my home to foreclosure. I also cancel all court action pending the mortgage company processing my application. Please Assist me See attachments

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Despite assurances that there would be accommodation for the extreme impact of COVID-19, during the pandemic, Bridgecrest has repeatedly called requesting money and payment stating that we were in arrears and other times stating that they would amend the contract. I am a physician who is dependent upon the vehicle and working as an appointed expert for the state of Georgia and the entire southeastern region for opioid substance use disorders and am responsible for ensuring that this high-risk group is also protected and not disenfranchised during COVID-19. Throughout this time I have yet to receivable any funding due from the federal government during COVID or before and expect to but not in a timely fashion. While every other lender or circumstance has been mutually amenable Bridgecrest has a call center that harasses for funds with no knowledge of COVID with no mention, when asked about, COVID forgiveness/financial relief. Additionally, I am a confirmed victim of personal and professional ( corporate ) identity theft complicating the issue further because regardless of the rights I am supposed to have been afforded and all the issues above are of no interest to bridgecrest. They will not allow me to speak with anybody above the initial calling individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Experian and opened a dispute regarding a XXXX account that was reported on my Credit Report. At that time, no information had been reported after XXXX, and the account was listed as a charge off. I had recently come to a settlement with XXXX to pay off the entire account balance for XXXX dollars. I called and spoke to a representative in the customer service center and advised her that the information being reported by XXXX was outdated, and the balance should be XXXX. At that time, she initiated a dispute. I received and alert yesterday that XXXX had " verified '' the information and is still reporting my balance as being Charged Off and unpaid, and my balance is XXXX dollars, which is incorrect.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Personal Statement on Experian reads as follows : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Because I am currently applying for a new credit card this must be removed. 

Last 4 : XXXX XX/XX/86 Experian ID 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 2020-05-26 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: MI

Complaint narrative:
Credit inquiries are showing on my record that I did not authorize. Please see attached letter

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 2020-05-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card with CB/SONYVISA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/SONYVISA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/SONYVISA with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards refused to issue a refund of the points used to book air travel. The air travel was booked through XXXX XXXX. The flight was cancelled by XXXX XXXX. The airline has stated the original form of payment has been refunded and Citi is not following the directions given by the airline. I have booked the same travel with two different credit companies, both refunded my points with no issues.

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 2020-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have received numerous calls from the collection agency from all different kinds of numbers calling a XXXX XXXX I need to pay my bills and just because Im in the military doesnt mean I dont have to pay my debt kept explaining to the collection agency I dont owe the debt I disputed it with the credit bureau XXXX XXXX and XXXX  and they both came back verified I called XXXX asking for a hard copy or a contract to validate this account they were unable to provide it contacted the collection agency asked for the same they said they didnt have to provide that because its my social and my address which is a very old address called the credit bureau asking them to provide me with why they allegedly thinks is verifiable and they told me the social security number matched and the address thats on my report matched I told them thata why anyone can just put anything on people credit report and say its verified and thats not enough for me I need proof they have all failed also XXXX made me aware that the agency thats calling trying to collect is not The Who should be calling or they should not be on my credit report at all and gave me another collection agency and I called them to make them aware this is not my account and Im in the XXXX and they are playing with my job and my life for my clearance they laughed and told me good luck

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 2020-05-26 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

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 2020-05-26 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:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems continues to report to the credit bureaus debts allegedly from me that I am unable to validate. They have given no proof of validation and I have complained about them before. Due to HIPPA laws, they can not validate what the debt is for and I have no knowledge of entering in contract with Transworld or Maryland XXXX XXXX for services. They have previously been unable to validate debts. 

I am asking that they send me the contract I signed for service with Transworld and Maryland XXXX XXXX ( they claim is the original creditor ) as well as an itemized bill for debt owed or remove these collection activities from my credit report. 

I am asking that these debts be removed immediately as it has severely impacted my credit report. 

Please see company 's response to previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Back in XX/XX/2020, I noticed that my balance was increasing instead of decreasing in my monthly statement. I contacted Hyundai Fiance immediately and was told they were going to investigate the matter. Per the Hyundai Fiance, this should have taken a week to resolved. As XX/XX/2020, I have yet to hear from them and this matter still has not been resolved. I have been calling them for the past month in reference to this matter and have not gotten anywhere. Per the last supervisor for the fiance company they were aware of the issue and are still waiting on a response from the department that investigates matters like this. I was also told that they had a software update and that this cause the error with accounts. I have never missed any payments and want to know where my payments are going to. I am tired I calling the customer service phone number and seem to get no where. I have also spoke to supervisors and keep being told the same thing without my matter being resolved. It's been very upsetting and frustrating, when I work hard every day for my money to be ripped off by a 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 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/20 promotional interest was applied to my account. 
My payment was due XX/XX/20. 
My statement cycle ended XX/XX/20. 
Is it possible to have this interest amount adjusted? My work has been affected by the Coronovirus/COVID-19 and that savings would help better provide for my family during the period of uncertainty. Thank you for the consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and seen fraudulent accounts.

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 2020-05-26 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: Midwest Recovery Systems
State: TX

Complaint narrative:
A false creditor and false account was placed on my creditor was placed on my credit report. It shows as an open account. The creditor shows as XXXX XXXX XXXX and they do not exist. I want to know what this is and who did this, and why was the account opened in my name. I want it taken off my credit report. I do not want to call the Midwest Recovery and give them any of my personal information, I want you to research this and provide me all the background information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-26 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I made prior payment arrangement with XXXX and unknowingly to me, First Financial Asset Management has begun reporting debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation