vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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/2019 XX/XX/2019 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 explanation
Consumer complaint received 2020-01-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/2019 my account was charged XXXX from the University of XXXX. This was an unauthorized purchase. around 10 minutes  later a second charge from the University of XXXX appeared with the same amount XXXX. When I contacted the people at Netspend I was told once the purchases were no longer pending they would be removed. They were not. When I contacted Netspend the second time I was forced to report my card stolen and an investigation was opened. I was told that would be resolved within 3-5 business days. Again no result. Now every time I call ( 4 times so far ) I get a run a round or a different answer. It has become clear that this issue will not be resolved and that this company is attempting to steal from 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 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
As a XXXX XXXX rate service connected permanent, and total Veteran Administration XXXX XXXX XXXX Veteran since XX/XX/XXXX I never had credit cards or credit in my lifetime until I reached age XXXX due to untreated service connected XXXX from XX/XX/XXXX-XX/XX/XXXX I survived on low-low income my entire single not married adult life. I established too many credit card accounts because all were so low capped I took too many that I ran into trouble paying off monthly. XXXX has a system where credit cards are treated like " Cash Advance Payday Loans '' that must be paid off in full each by the first of the month when I thought I was applying for a " revolving charge account '' type of credit line never having credit cards in my life before. This became overwhelming on my Social Security Retirement {$450.00} a month benefit and for XXXX {$3100.00} a month VA XXXX with no savings, living alone outpatient care in XXXX XXXX with XXXX XXXX XXXX XXXX   veteran housing starting XX/XX/XXXX. I applied for a loan online with Avant they went directly into my XXXX XXXX XXXX Account page with remote password, and all credit card consolation loan for {$7800.00}. My credit rating went up 730-735 or so-after I paid them all off. But then a car repair gouge {$2500.00} on a XXXX XXXX XXXX front end work, and new tires XX/XX/XXXX over the year destroyed everything. All my accounts are closing, the {$310.00} to Avant is from Social Security thru two+ more years. I have applied for their refinance on $ XXXX balance several time automated system spits it back refused. I have explained my situation written email many times always automated system refusal with no personalized customer support type email in return from customer support. Now payments increase I use that payment for food, living, utilities, basic survival since missing last month payment after years of paying high interest.. No cooperation from Avant support at all just payment increase, and demand among other credit card companies like XXXX, XXXX XXXX and other high annual fee credit card corporations. Simply stated I can not pay on this loan another 2+ years from my XXXX now {$460.00} a month with XXXX XXXX  and maintain my XXXX XXXX, XXXX, XXXX XXXX and sustain a living situation or go homeless again after being homeless from XX/XX/XXXX to XX/XX/XXXX in XXXX County , XXXX XXXX , Florida . My Avant account monthly payment plan c/p : Principal Interest Fees {$140.00} {$170.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Roughly 16 months ago I settled an account with Midland Credit Credit Management for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX  I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from Midland. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Roughly 16 months ago I settled an account with XXXX XXXX XXXX XXXX for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from XXXX. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.

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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XX/XX/2020 XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, NY XXXX Good morning, We're reaching out to you, this morning, to bring to your attention the questionable behavior of Bayview home loans, as well as their attorneys, XXXX XXXX. 

My husband and I have been working with Bayview Home Loans since XXXX, attempting to negotiate a Forbearance Plan. We submitted a complete request package on XX/XX/XXXX and shortly thereafter were notified, via mail, by XXXX XXXX that there is a pending hearing scheduled for XX/XX/XXXX. 

Not only does Bayview have no record of REQUESTING this hearing, they have no record on file of the hearing date scheduled or of giving XXXX XXXX permission to schedule it. We've spoken to Bayview on three separate times regarding this matter - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each of those conversations, Bayview Home Loans confirmed for us that there was NO HEARING SCHEDULED and they had NOT GIVEN permission to XXXX XXXX to do so. 

We're extremely concerned about this situation, given that we can't get a straight answer from either organization and we're asking that you step in and request that this hearing be immediately put on hold. 

Once again, we are actively engaged in negotiations with Bayview Home Loans - given that, under federal guidelines, no legal action can take place until the determination of our request is completed. 

I can be reached at XXXX anytime. Thank you for your assistance with this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
On two separate occasions now I've paid my monthly mortgage by check and added a significant amount of additional principal. I regularly add an extra {$1000.00} - {$2000.00} toward principal throughout the year without any issues. However, when I send a check that includes an extra {$10000.00} or more, both times it has gotten processed incorrectly, with the extra money not being applied to my loan at all, like it's just missing! My bank shows the full check cashed but my mortgage company payment history shows I only paid the monthly payment! 

The first time I called the mortgage company they said they'd fix it and to wait 3-5 business days, I waited and they money didn't show up credited to my mortgage. So I called again, I felt like the money was missing in thin air, so I threatened to cancel the check and call my bank. The mortgage company seemed OK with me cancelling the check and trying to make the payment again. I said forget that, I want the payment credited back to the date the check processed to get interest credit! 

So they asked me to contact my bank for special transfer numbers. After multiple calls to the mortgage company and my bank to get special payment numbers, the mortgage company finally found my original check payment and applied it correctly. 

We'll see what happens this time around. I submitted the issue to them via contact us online and called them this morning. This morning they said they submitted a request to correct it but couldn't give me a reference number, telling my no worries the call is recorded. So now I wait 5 business days like last time hoping it goes through. Hopefully, 5 days from now I'm not calling back with the same experience as last time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NY

Complaint narrative:
On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-06 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I was charged {$230.00} in error from XXXX  XXXX XXXX XXXX. This stay was paid for via travel voicher # XXXX which cost me 50,000 XXXX XXXX Reward Points. In support of my dispute, I provided CItiBanik with evidence of the travel voucher being purchased on points, proof of the reservation being made on points, proof of the travel voucher being redeemed for the stay, evidence of the 50,000 points being subtracted from my XXXX Rewards Account, and a statement showing total amount due of XXXX dollars. 

Despite providing all of this I repeatedly received letters from Citi asking for the following : " A copy of the sales slip, invoice, receipt or advertisement proving the amount you should have been billed. Without proof, we may not be able to resolve this matter. I opened a dispute and provided " I provided a sales slip showing a XXXX balance, proof of payment via travel voucher and proof I should have been billed XXXX. I repeatedly sent in the requested documentation and was told repeatedly by Citi Dispute agents as well as managers, " oh yeah everything is there, they must have made a mistake. '' These calls are recorded in which Citi managers even state they see the oversite and that it was processed incorrectly. I'm more than happy to provide copies of these calls for Citi if needed. These agents would open a case and send it back to the investigator who would send me the same letter previously sent asking for documents already provided. 
Now that the deadline and all dispute rights have passed due to Citi 's error overlooking the submitted documents, Citi is stating they are unable to assist with the dispute because the merchant won't issue a credit. That's the whole reason dispute rights exist, for the times there are disputes when the merchant overbills and doesn't correct the error themselves. This case was never sent to MasterCard for mediation or handled correctly. 
Throughout the entire length of the dispute, Citi held me accountable for the purchase failing to issue conditional credits and charging interest on the charge in dispute as well as my entire statement because I did not pay the amount in dispute and it remained outstanding.

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 monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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