vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The Smile Generation division of Comenity Capital Bank has repeatedly assessed late fees to my account for payments that were processed thru my bank a week in advance of the due date. They have twice processed the payments they received well before the due date on the day FOLLOWING in order to assess late fees and collect additional interest. 
Additionally they prevent the customer from setting up more than ONE payment at a time on their own site and black out the ability to PREPAY several month 's payments in advance, even though the same processor allows multiple payments to be processed for XXXX XXXX XXXX for which Comenity Bank is also the processor. 
This is a bait and switch where none of these limitations and additional fees are explained at the time I was solicited by my XXXX   to obtain the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
I received a letter from my tax office in XX/XX/2020 stating there was a delinquent balance on my real estate taxes of {$2800.00}. The taxes are included in my mortgage payment in escrow. I immediately contacted my mortgage company and emailed them the letter. They assured me they would look into the problem and resolve the problem. A few weeks later I received another letter from the tax office indicating a tax sale is scheduled for XXXX. I called again on XX/XX/XXXX, told them about the second letter and emailed that one as well. I was told, yet again, the problem would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I called the tax office to confirm that the mortgage company had taken care of the delinquent payments only to be informed they had not and my balance was now {$3900.00}. I again called them and asked to speak with a manager who informed me the only thing she could do was expedite my case and it should be taken care in 3-4 business days. When asked why the payments weren't being made her response was, " I don't know, I can't answer that. '' In the meantime, a tax sale situation is taking place and the tax office is not concerned that this isn't my fault, they are just concerned about getting the balance owed. I pay my mortgage every month on time and this is unacceptable and negligent action on behalf of the mortgage 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 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Dynamics recovery solutions keeps calling my employer and my office asking other employees and my employer about me. My employer and myself have asked them several times not to call and they continue to call. This is against the law and I'd like something to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My mortgage was apparently " bought '' by Citizens One Home Loans. I have been trying to get service on my loan for over an hour. Have had to call twice. First call ... remain on hold over 40 minutes until someone answers and then hangs up. Second call ... no one answers the phone. No one answers to the secure messages. I simply get an email saying give them up to 5 days to respond. My loan was just transferred to Citizens One and the account shows a late payment fee but I have not been late and didn't owe this fee before my account was transferred to Citizens One. Now I can't reach anyone about my loan to assist. I have tried their website and have been sitting on hold for upwards of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

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/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-03-17 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I co signed on an auto loan for with my daughter but when it came time for the payment my daughter never received the bill. It was sent to my house under her name so i didn't open it. I never received a bill either so the payment was not made.When it became time that it would be 30 days late no one knew about it and my daughter or i never received notice. Not in the mail or a phone call. A 30 day late payment was put on my credit report because of this error on their parts about our mailing addresses to no fault of ours or mine. If I would've known it was due i would've either had my daughter pay it or paid it myself. I have tried to get it removed with the company due to their mistake but not had success. Please help as i am unable to get the interest rate i deserve because of this. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Loan was paid off with Dovenmuehle Mortgage on XX/XX/2020. After the mortgage was paid off they took my mortgage payment anyway on XX/XX/XXXX. I called on XX/XX/XXXX to ask them to return my funds they said the funds would be in my account on XX/XX/XXXX they were not. On XX/XX/XXXX they made me send in proof that the money left my account even though they had the funds. New answer on XX/XX/XXXX was 3-5 days this would be expedited to my account. Call in XX/XX/XXXX stated the transaction was going out today and would be another 3-5 days. She stated it would be a wire transfer now they are saying bank draft. Also Escrow account has not been returned. Loan number with dovenmuehl mortgage XXXX. Supervisor spoken to on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

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/2020 and XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-03-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

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 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CT

Complaint narrative:
I did a transaction through Square Merchant services. Square will not release my funds. They will not give me a reason why they are holding on to {$1100.00}. I've done business with them for ten years. All of a sudden, they just hold this money for no reason. 
I called three times, each time they told me they would escalate it to their review team. ( Which is supposed to only take 24 hours and it's been 6 days ). 
After my third attempt on the phone, I tried to call again, but they blocked me from receiving a support code that allows you to speak with a live representative. 
I have emailed them since XX/XX/2020 and still, I have not received a response. 
What's odd is they took out {$220.00} from my bank account, when the transactions came through. So they were able to make money for themselves but unable to pay me my money. Interesting. They blatantly are robbing me. I am a single mother with XXXX children. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX. An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX  by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX  completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX   {$6800.00} ADS/Comenity XXXX  - they said they reported accurately {$1000.00} ADS/Comenity XXXX - they said they reported accurately {$540.00} XXXX/XXXX  DC - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX  XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  XXXX  - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I  also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX ADS/Comenity -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
*Email from XXXX XXXX to XXXX on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with Experian on XX/XX/XXXX and received a decision from Experian on XX/XX/XXXX stating the following : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with 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 non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I purchased my house in XXXX of 2019. I signed the contract with agreement to the established predetermined payment. I recently received my mortgage payment and discovered it had increased by {$400.00} p/mo. No explanation, or previous notification was provided. After making numerous calls to the lender, as well as the tax collector 's office, I finally discovered that the lender made an error at the time of the sell by underestimating the annual property tax. 
The lender is now charging me an additional {$200.00} p/mo. for the corrected property tax amount. This I understand. The part I am not in agreement with is the additional {$200.00} p/mo. that they are now charging me to compensate for the loss they incurred this past year as a result of their error. 
Thank you in advance for your time and consideration with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have over {$24000.00} in my checking account that is supose to be available XX/XX/2020. I am trying to withdraw {$9000.00} on XX/XX/2020 to make a purchase of a vehicle and the bank says they will not make the withdrawl. stating i can only get a money order or cashiers check

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 2020-03-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am having issues with navient on my federal student loan. They charged me a late fee after I asked what amount I needed to pay to get current. They only told me XXXX. I paid {$700.00}. The following day they charged me a {$65.00} late fee. They are reporting to all three bureaus the wrong information. Please see the following on all my credit reports : DEPT OF ED/NAVIENT Reported : XX/XX/2020  {$8300.00} Now I show according to all my payments that I owe {$7000.00} and have not been late in the last couple of months. They are still showing 9 payments late. Please see my following attached account Account Summary As of XX/XX/2020 ( ET ) Total Payment Due : {$7000.00} Current Amount Due : {$65.00} Past Due Amount : {$7000.00} Recent Payments Date Amount Status Show more information XX/XX/2020 {$110.00} Received Payment was received Show more information XX/XX/2020 {$750.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received Show more information XX/XX/2020 {$100.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received View all Account History

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

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 2020-03-17 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: FL

Complaint narrative:
Dear XXXX, XX/XX/XXXX After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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