vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I XXXX XXXX lost my wallet in XXXX, I was XXXX XXXX cause the person had speeding tickets and also used my credit and Social Security Number I also have court Documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
**I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. 

**On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. 

**I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. 

**I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. 

**Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. 

**I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. 

**I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. 

**I would very much appreciate if the negative mark on my credit reports was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report where physical verification needs to be sent to me.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested my telephone # be added to my credit file, it has not been added as of today. To date I have not received physical proof validating for the requests made. Experian, did however mail me a copy of my credit report dated XX/XX/XXXX-19 showing some incorrect addresses were deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was sent a letter notifying them that XXXX would be paying off the balance of the loan. XXXX XXXX sent me an email notifying me that I did not need to make further payments on the account. I called XXXX XXXX to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid XXXX XXXX and XXXX XXXX has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against 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 2019-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am having a dispute with Discover over a payment protection that was not authorized. From I have seen on the internet they have been made to give refunds to many people. The only gave me a year and I wa n't them to refund everything they charged without my consent. It would probably be about another {$5.00}. Can you handle a dispute with a credit card company? If so what would be the fee? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: MO

Complaint narrative:
Equifax is randomly adding and changing comments on old, closed accounts on my report and is terrorizing my credit score. I swear it seems intentional and malicious. Over just two weeks my score has dropped from the 700s to XXXX, but only on Equifax! They are adding negative comments to accounts that have been closed since XXXX, XXXX, and XXXX! Equifax is impossible to talk to and the people at the call center only make things worse. I have already sent a complaint about this and they wont even respond. 

One of the accounts ( XXXX  XXXX ) just today they changed the status to charge off, even though the account has been paid and closed since XXXX! They also changed remarks on an old XXXX XXXX credit card which has been paid and closed since XXXX and an XXXX XXXX account which has been closed and paid since XXXX! 

Equifax is inhibiting my ability to refinance my mortgage. My XXXX and XXXX scores are both in the 700s and Equifax is just out of control. Im going to file suit under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I made a deposit on XX/XX/2019 of $ {$460.00} and the teller made me the deposit for {$170.00}, something that is a mistake, the next day, Saturday I went to the bank, and told her that this was wrong, I asked him to look for the check for XXXX that I supposedly hand to her, but they couldn't give me that, because the check which I have in hand was for XXXX. When I went to the person who helped me that day, what she told me went to the bank again to see if her and see if had already solved this, the answer she gave me was, oh you are still aware of that, I was surprised with This answer is my money and work hard for it, I have to ask for this to be fixed and have the diferente of my money rent to me. 

She told me that if I was still aware of that, the teller named XXXX told me that she would look at the camera with the manager XXXX, but every time I go, they tell me something new, neither XXXX or XXXX have checked what happened with that deposit. I have been doing this for years, weekly, they know it, every day or the next day i get paid ... I take my check to deposit and withdraw what is available balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The company LVNV Funding LLC is reporting a collection account to my XXXX and XXXX  credit reports. This account shows it is in the care of Resurgent Capital Services on my XXXX   credit report. It also lists an address associated with Resurgent Capital Services on both credit reports. It also has the wrong address zipcode because on one it has XXXX and the other as XXXX. 

I have disputed this account multiple times with XXXX and XXXX and each time it was verified as accurate and/or updated. I sent a certified letter to the address listed on my credit reports requesting validation which was received on XX/XX/XXXX and disputed the account on XX/XX/XXXX with the credit bureaus XXXX and XXXX the item was verified. I still had not received sufficient validation or any of the documentation I requested from LVNV Funding or Resurgent Capital Services so I contacted them on XX/XX/XXXX inquiring about them verifying information with the credit bureaus but failing to sending any validation for the alleged debt. The representative said validation had been sent on XX/XX/XXXX and I would receive it by the end of the week. Well once I received validation in the mail I see it was sent First Class Mail and stamped by the post office on XX/XX/XXXX. They ignored my request for validation and then rushed an account summary form Resurgent Capital Services and what seems to be a bank statement and did not include any of the other information I request for validation. 

The representative I spoke with on XX/XX/XXXX exact words were " Everything that you have requested in your letter we have sent you. We have sent you all the validation of debt that we can legally send you. So, again you will receive that. If you are not content with what we have sent you, you can request more information, but at this time we basically have sent you what we can in regards to your list and what we can send out legally. '' During this conversation the representative ( XXXX ) told me that a cease and desist was place on my account on XX/XX/XXXX and also stated this account was also purchased on XX/XX/XXXX. This is ludicrous since this cease and desist was added the same day this account was purchased and I had no knowledge of this account on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I recently refinanced my mortgage through XXXX XXXX XXXX. Prior to a payment being made to XXXX, my loan was sold to Freedom Mortgage Company. Although this should have been a seamless process, as I did not request nor initiate the sale, it has not been. After the first payment was made to Freedom mortgage in the amount of {$3100.00}, I received a letter in the mail stating that an escrow analysis was performed on my escrow account and a shortage was unveiled in the amount of ~ {$800.00}. After further review with Freedom Mortgage, the shortage was associated with missing homeowners insurance information during the transfer of the loan from XXXX XXXX to Freedom Mortgage. As a result, there would be an increase in my mortgage payment to {$3200.00} to cover the lender paid insurance that Freedom Mortgage was to purchase on my behalf. However, I was assured by Freedom Mortgage, that if I was able to provide them with the missing information ( insurance binder showing an active policy as well as proof of payment for the yearly premium ), my monthly payment would not increase to reflect the lender paid homeowners insurance. 

Following the guidance provided, I uploaded the required documents on XX/XX/19 and again on XX/XX/19 to XXXX XXXX XXXX using the PIN provided by Freedom Mortgage. I then requested a new escrow analysis to be performed on my escrow account to now include the following : A copy of the cleared check paid from XXXX XXXX XXXX directly to XXXX XXXX for the full amount of my annual homeowners insurance premium A copy of the XXXX XXXX XXXX binder showing my active insurance policy. 

Despite providing the requested information, my monthly loan payment was still increased to the {$3200.00} amount. I spoke with Freedom Mortgages escrow department on XX/XX/19 to obtain the status of my new escrow analysis request and to my shock, my request had been denied! Given that the only reason for the increase was due to my missing insurance information and that information and proof of payment has now been provided, as well as over {$6000.00} was disbursed into the escrow/paid to the insurance company at the sale of the loan. Therefore, I am baffled as to the reason why I am not being afforded the opportunity to have a new analysis of my escrow account. 

Attached to this submission, you will find : The final closing documents from XXXX XXXX ( Refi closed on XX/XX/19 and loan was sold to Freedom Mortgage XX/XX/2019 ) The original escrow analysis performed by Freedom Mortgage Mortgage statements Cleared check - Insurance premium payment to XXXX XXXX from XXXX XXXX County Taxes for the property Insurance Binder

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: I.C. System, Inc.
State: TN

Complaint narrative:
A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/2019 I discovered said negative credit item from I.C. System Inc. with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/2019 on XXXX but an open date of XX/XX/2019 on XXXX which is re-aging of the original account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/XXXX I discovered said negative credit item from XXXX. XXXX XXXX with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/XXXX on Experian but an open date of XX/XX/XXXX on XXXX which is re-aging of the original account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I spoke with the collection agency CKS financial. We had agreed that if I paid the account in full, the account would be deleted from all 3 of the credit agencies. I have attached a recording of myself and a representative/manager for CKS financial agreeing to submit the removal of the account. I am 35 days from closing my home and this is really hindering my ability to move forward. The only reason I agreed to pay it all in full was because they agreed to have it removed. As a pay per deletion agreement. It's pointless to have the account just reporting as Paid in full and still remains in my credit file. Please listen to the recorded file I have attached where manager agrees to remove the account. 
I have also Attached a receipt where the account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Walwick, Inc
State: WA

Complaint narrative:
I contacted the debt collection agency ( Merchants Credit Association ) myself to schedule and setup a payment plan. The lady I spoke to immediately started making statements such as what your wife doesnt work?, you are over doing your self financially, etc. when in fact nobody predicts a medical bill typically and why would she say things when she has no idea what she is talking about and it is personal information and for her to treat me like that is completely unacceptable. If someone is trying to do the right thing then why on earth would they want to make you not want to pay them and tolerate their abuse? No I dont want this on my credit but I dont deserve to be treated that way when i just want to take care of my debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In XXXX I applied the Choice Prvileges card ( VISA ) and received it. Within a week of the application I have seen the offer by the same issuer Barclays bank that upped the point limit to XXXX points from XXXX. I called Barclays Card application line and requested the offer to be transferred into the higher point category. I was told they don't have the capability of doing that but after I receive my first statement and I am a member in good standing ( i.e.pay the bills ) I will be able to be get the additional XXXX points credited to my account. I was also instructed to speak to the manager to achieve that.

About ten days ago I called and after a long hold I was told that no manager will speak to me about this as " all managers are very busy. '' I then requested for a call back from the manager which I was told will happen within 48 hours. It didn't. I also reached out to the media relations person from Barclays who assured me the issue will be referred to the appropriate dept for resolution and as of today I received absolutely 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