vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 XXXX XXXX - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a care credit card with sync bank. I use the card for my medications at XXXX XXXX. Today I needed to pay for my XXXX  with XXXX XXXX, which is a XXXX XXXX medication, the card was declined. I called them, and the customer service agent sent me a code to my phone and said it would work. I tried again and it still didnt work. I called three more times to be told I had to wait a week for them to send me a pin, after I had one sent to me. I explained that the medication is XXXX XXXX  and she said, '' not our fault '' after they illegally blocked the card. I still have XXXX dollars on it. Since I'm going with out my treatment, I will seek legal action.

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 2020-01-30 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 KAY JEWELERS - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
LoanCare LLC failed to pay the real estate taxes for our home in a timely manner. The taxes were due on XX/XX/XXXX and not paid until XX/XX/XXXX. Our account with the county we live in now has penalty and late fees assessed in the amount of XXXX and is due on XX/XX/XXXX. I have contacted this company via telephone several times thoughout the month of XXXX. On one phone call I was told that the payment for the penalties and late fees would be issued on XX/XX/XXXX. As of today, ( XX/XX/XXXX ) the check still has not been issued. We pay our mortgage on time and have never missed a payment. We have an excellent credit and do not want our credit effected.

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 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/2020CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I was recently contacted via phone ( an initial contact ) by a member of CMRE Financial Services Inc. who was incredibly rude and short with me on the phone. It was only after answering the call and my confirming my name and identity with her that I asked if she would now do the same for me. She would not ; refusing to identify herself, not by name or by ID number, wouldnt give me any explanation as to who she was or why she was asking me for my personal information ( shed asked for my name, address and telephone number ) but couldnt understand why I wouldnt give her the information, even after I explained ( and in a calm tone ) that with all due consideration, she had contacted me, and without her giving me any information as to who she was, I wasnt just going to offer up to a complete stranger and over the phone, after she had called me, and from a number that I didnt recognize or know. XXXX then became belligerent and told me to call back at the number on my telephone when you do want to give it ( my information ) to me and she then hung up on me. Her attitude and tone was Rude. Abusive. Unprofessional. Most importantly she was totally out of line as her actions are entirely undeserved and unnecessary I do not know who XXXX XXXX XXXX XXXX. is. Nor, do I believe I have EVER had any services done by them. NEVER. I would have told her that on the phone directly had she bothered to provide me with any information as to who she was calling from and what she was calling about. 

It wasnt until the following day that I received your letter in the mail that outlined this supposed debt I allegedly owed first to XX/XX/XXXX XXXX. and now that theyd transferred the debt for collection, I owed the debt to CMRE Financial Services Inc. - again, both are companies I have never heard of nor have I been contacted by previously. The debt to which you make reference to is one that I do not recognize, do not believe that I owe neither do I owe it to them or to you. 

Please check your records, let me know your findings, but in the future, when necessary for you to contact me do so only via USPS mail. 
Sincerely, XXXX XXXX cc CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2020-01-30 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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello, I have been making advanced principal payments on my mortgage for greater than 9 years. 
I have recently rec 'd a letter from my Bank of America mortgage company w restrictions on making advance principal payments that I have never rec 'd before. 
BAC now has requirements according to the " prepayment as required by the 1990 housing legislation. 
I will attach a copy of the requirements. 
I hope you can help since the current requirements appear to be unreasonable. As I mentioned before I have never rec 'd a letter such as this before.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: AL

Complaint narrative:
In XXXX of 2019 US bank offered a one time payment to be paid for settlement to have the amount as paid in full. I paid this amount in full by the date specified. When I tried to obtain a home loan recently this is still showing on my credit as last reported in XXXX of 2019 and not paid which did not make any sense because it was paid the month prior ( XXXX ) so why they did not report as paid satisfactory I dont know. This needs to be corrected to all three credit Burroughs as paid in full XXXX of 2019 and satisfactory. US bank was contacted today by my wife and myself regarding this and the lady was not helpful. She would only say the credit Burroughs would have to fix it that they report correctly and monthly but I advised her that my reports are showing incorrect reporting and last reported XXXX of 2019.

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 2020-01-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a collections account from XXXX   insurance in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX insurance showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to XXXX  and Transunion but get a response of it being reported correctly, it is not. I do not owe this collections account or XXXX. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: OR

Complaint narrative:
I had a XXXX  XXXX credit card with a {$2000.00} limit. When XXXX XXXX bought out XXXX  XXXX XXXX XXXX refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted riverwalk holdings to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the riverwalk holdings put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through XXXX XXXX. River Walk Financial picked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. riverwalk holdings does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XXXX   XXXX  has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: NC

Complaint narrative:
On XX/XX/20 a letter was sent to me in regards to an alleged debt for the amount of {$260.00}. Today XX/XX/2020 it was reported to all 3 collection bureaus without being validated nor giving me time to even respond. The letter just was put into my mailbox on yesterday. This company is violating my rights and has failed to send me proof validating this debt. I have sent a debt validation notice which I am sure they havent received being I was just given this letter just yesterday on XX/XX/2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a collections account from XXXX   XXXX in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX XXXX  showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to experian and XXXX  but get a response of it being reported correctly, it is not. I do not owe this collections account or progressive. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020. I went to XXXX XXXX to check if i could be approved for a loan. I made sure to make clear that my credit would be ran through only once for the indicated loan. My credit was ran a total of six times. The Inquiries go as follow, XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX  XXXX, XXXX/XXXX  XXXX. As a result of these inquiries my credit score decreased a total of 40 points. I only gave authorization for one credit check and the rest were done without my consent.

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 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
In XXXX or XXXX my wife and I went to XXXX Fl and was required to sit in on a timeshare presentation. At the end we sat down with an individual from the presentation who talked to us about a vacation timeshare who also advised we had 90 days to cancel if we decided it was not for us. We did make a payment but we also canceled within the 90 days. Sometime later when we decided to purchase a home this appeared on my credit and has been growing ever sense. I do not owe any amount on this because I canceled within the time I was told. This has ruined my credit and I did take the steps to delete this from all three credit Burroughs but they did not delete it. I want this deleted forever from all three Burroughs. My wife has spoken to Monterey Financial and explained all of this more than once, she also recorded the conversation that included them verifying that we must pay in full and cant use the package until paid in full, as well as other ppl are paying this same package so my wife said that is double dipping and illegal! She recorded this information so that it can be handed over to a lawyer if this is not resolved before hand in an easier manner. The amount was first around 4900. But has more than doubled since the beginning. XXXX XXXX  was the timeshare company and Monterey Financial is the one reporting to my credit, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My mortgage was purchased by Bayview Loan Servicing LLC and they requested a copy of my homeowners insurance. In order to refinance my property I provided proof of insurance and always maintained insurance on my property. They purchased my loan and have insurance agent 's agent information why not just contact them? It looks like they are running a scam by placing insurance on your property knowing that borrower already has insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
XXXX, XXXX  AND TRANSUION HAS NAME AND ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. 
XXXX XXXX XXXX-NOT MINE, XXXX XXXX -NOT MINE, XXXX XXXX-NOT MINE, XXXX  XXXX  XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX-NOT MINE XXXX  XXXX-NOT MINE Addresses : XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE, XXXX XXXX , XXXX , FL XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX, XXXX XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX , XXXX , FL , XXXX, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX, XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE,

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I missed 1 payment back in 2018 and have sense paid off the entire balance with interest. I had called and asked the company for a good will removal of the late payment and cited fcra guidelines that would enable me to remove the derogatory information being reported, and the representative closed my account without offering a solution which has sense hurt my credit score in a negative way

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