vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX of XXXX with the cares act mortgage were allowed to ask for forbearance up to 12 months. I have XXXX serviced by Loan Care. The XX/XX/XXXX payments are due by thew XXXX. This payment was made and on the XXXX I called about the forbearance program. They said I qualify and I am now told because I called on XX/XX/XXXX my 12 months of forbearance started in XXXX even though payment was already made. So loan Care is only giving me 11 months of forbearance because I called XXXX XX/XX/XXXX. 

I received a letter from Loan Care dated XX/XX/XXXX. It says your forbearance plan starts XX/XX/XXXX and ends on XX/XX/XXXX for a total of 330 days. After several calls and having them send this for review they said because I call in XXXX of XXXX I only get to 11 months of forbearance.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Two fraudulent checking accounts were opened with TD Bank. I have spoken to the bank and they are closing the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I obtained a retail credit card from Ashley furniture which is monitored through Synchrony Bank, and made a purchase for over {$600.00}. My available credit at the time of purchase was {$1000.00}. During, the time of having the card every few months of paying down my balance Synchrony Bank was reviewing my credit and lowering my available credit. Currently, the card balance has been paid off, and Synchrony Bank lowered my available balance from {$20.00}. During, the time I received my card until last week my available balance went from {$1000.00} to {$20.00}. 

I obtained a retail credit card from Sam 's Club with an available balance of {$600.00} for a purchase. The card is being handled through Synchrony Bank. After every few payments, Synchrony Bank was reviewing my credit and lowering my available balance. I paid off the card and my available balance went from {$600.00} to {$100.00}. 

Synchrony Bank is causing my credit score to decline with every inquiry they making on my credit and lowering of my available credit availability. As we all know, part of your credit score is determined by the percentage of credit you have available along with the amount of credit used. Every time Synchrony Bank lowers my available balance it makes my credit score decline because my available credit goes down. I think that Synchrony Bank is doing this to all individuals that have credit, which is causing several people harm with their credit and their credit scores.

Both Cards were paid in full, and I was late a few times, but the payments were still made. I am sure Synchrony Bank is doing this to other individuals which is causing them harm to credit scores and ability to get credit or loans. Creating economic hardships.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been trying to get someone to listen when I say that this XXXX XXXX XXXX bill is not mine I never lived in the property they said the bill was was supposed to be. I have also been trying to get this 3rd party company to take it off my report along with all 3 agencies A third party can not report on your report and all 3 agencies are letting them do it over and over and over again. I WANT THIS STOPPED NOW. I have disputed this till I am sick of it. Legal action is next!!

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 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
When we purchased this home in XXXX, XXXX, we were required to have an escrow with the lender. We have since refinanced with another lender and in the process discovered that our city property tax bill due XX/XX/XXXX had not been paid despite the amount being deducted from our escrow on XX/XX/XXXX. 
I contacted the City of XXXX and they confirmed that it had not been paid. I contacted XXXX thinking this would be easy to resolve but after getting nowhere I paid the tax on XX/XX/XXXX plus {$13.00} in interest. 
We have contacted NewRez ( the previous lender ) approximately ten ( 10 ) times on this matter and have gotten nowhere. Each time we call we are told something different. Sometimes it was paid by check, other times by ACH, it will be escalated, etc. The only thing that has been consistent is that they always need 3-5 business days to research and that time always elapses with no communication or resolution from the lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am XXXX years old and have excellent credit history XXXX XXXX, XXXX XXXX, XXXX  XXXX. 

I tried to PURCHASE a CD with CASH from XXXX XXXX and was turned down because of a report from ChexSystems. 
HOW CAN a company like ChexSystems have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?

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 2021-02-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the AMERICAN EXPRESS charge-off account # XXXX and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this charge-off account from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: PA

Complaint narrative:
XX/XX/XXXX After 3 attempts to register a complaint, I have been directed by XXXX XXXX XXXX to file my complaint with the company that the mortgage was transferred to and sold without my knowledge. 

I do not know how XXXX can not be held accountable, as they issued the attached document advising the owner of the property, who is incapacitated, and not her guardian, myself of the transfer of the mortgage. 

Please see the attached document that was sent to the address of the property that was sold on XX/XX/XXXX without my knowledge. It was not sent to me as her legal guardian. 
As I have expressed previously, my address was given to XXXX XXXX XXXX as caretaker of the property and as my mothers legal guardian. The only correspondence from Land Home Financial was sent to this address where it was never received by XXXX nor myself. 
I had no knowledge of the transfer of this loan until the property was sold at a sheriffs sale and upon registering a complaint against XXXXXXXX XXXX XXXX, they provided me with a copy of this document. Landhome financial never contacted me at any time by mail, phone nor email. All of these contact methods XXXX had on file. 

I would like to know how this property could be sold without Landhome financial ever contacting the owner nor myself as XXXX XXXX XXXX daughter and legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES : PURCHASERS OF XXXX 
Original creditor is XXXX XXXXXXXX XXXX. Account sold and resold to Portfolio, who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No XXXX XXXX records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX/2017? Was that when XXXX XXXX was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: TN

Complaint narrative:
I received a call from MRS Associates the XXXX of XXXX was made aware I had balance with XXXXXXXX XXXX XXXX I asked her for a breakdown of the charges to be mailed to me she told me she would get that from them or have them the original creditor to mail that to me but she also stated that this will affect my credit if I dont resolve it after just telling me they just got the account. I called them back after getting a balance letter in the mail and spoke to another rep and told her Im disputing this debt until I receive a breakdown of these charges and she proceeds to tell me I CAN NOT dispute the debt. I then had to go into their website and file a dispute that way on XX/XX/2021. I called back to follow up on XX/XX/XXXX and was told the account was sent back to XXXX XXXX XXXX after I sent them dispute making them aware of the violations of the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had an account with capital one. They closed the account with out any warning at all. causing me to have fees from transactions that were already out. Also they took it upon themselves to put the funds into another account that should have never received any deposits. They refuse to pull the money back and issue a statement that they deposited the funds in the wrong account. This transaction sets a president that comingles funds that should have never be combined. This could put me in a serious position. Capital one has changed so much over the years that support is basically nonexistent. The are not following proper procedure and are doing harm to its customers. Please assist in getting me InTouch with an actual person that has some authority to actually fix issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I've had to register accounts at least 2 times, I can't reset my password. I'm getting reset passwords but Loan Cares website isn't recognizing credentials. I've talked to a rep a few weeks ago and still can't log in to make my payment. If you call XXXX You are also getting messages about payments being delayed through mail creating late payments. This company should be investigated. I'm a loan officer myself who refinances loans and have received several calls from borrowers in this company in particular, not paying taxes and insurance escrow on time putting borrower in bad positions with their payments.

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 2021-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA ( Date opened XX/XX/2017 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I have been harass by a debt collector credit Corp solutions and also had my rights violated. They have sent collections bill to my address damaging my reputation and credit report. I sent them over documents asking them to remove my information from there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX PURCHASERS OF XXXX 
Original creditor is Capital One bank. Account sold and resold to XXXX who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No Capital One records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX//2017? Was that when Capital One was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX 

Original creditor : XXXX XXXX XXXX. No official paper trail provided of account ownership by Portfolio, only the typical " The original amount of this account was {$590.00} '' without any reference to what date that was, what was purchased, or last date of payment activity. Only item provided was a number : pay me. Lack of proof of account ownership, and XXXX XXXX record keeping as to the last date of activity. Portfolio claims account was opened XX/XX/2017. Where is the XXXX XXXX statement for that time period?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and have excellent credit history XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I tried to PURCHASE a CD with CASH from Synchrony Bank and was turned down because of a report from XXXX. 
HOW CAN a company like XXXX  have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?

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 2021-02-17 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about an inaccurate account listed on my credit file. It has been over 30 days and I still haven't received a result of investigation.

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 2021-02-17 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: PA

Complaint narrative:
I CAN NOT get my credit report from Transunion CRA. This is an ongoing problem with Transunion. I contacted CFPB the 1st time in XXXX, then XXXX XXXX. XXXX, XXXX, now today XXXX - it just doesn't stop! You fixed it, however, Transunion CRA is doing the same thing again and again and again! They are doing this deliberately and by design. If you want, your employee/s can come to my home and I will prove it in front of them. OR, I will come to your office on your PC and prove it to you. Transunion CRA WILL NOT COOPERATE AND MAKE IT EASY FOR A CITIZEN TO GET THEIR FREE ANNUAL CREDIT REPORT. No one or no agency is making them do this so they are laughing at you and me, XXXX XXXX XXXX and NOT cooperating. 

Transunion must be forced to follow the law or be PUNISHED to the maximum penalty amount for NOT following the law! Hit them in the pocket book and they may listen! 

I have no problem or complaint with XXXX  or XXXX XXXX XXXX. Let 's work as a team to nail Transunion CRA and make an example of them! Let 's stop their nonsense AND make them pay money. Keep hitting them with violation after violation until they learn.

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