vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
A year ago we used a balance transfer to XXXX XXXX ( XXXX XXXX  ) credit card for {$5000.00} then in XXXX we used another one for {$4700.00}. All year they have been deducting almost all of the {$300.00} payment we have been sending to the newest balance transfer instead of the older one which expires sooner. We have used balance transfers for years using other credit card companies and the biggest part of the payment always goes to the oldest balance transfer amount. Now that the year for the 0 % interest is almost over we still owe {$3800.00} on it. Only {$39.00} of the {$300.00} we sent each month went to that one. We have tried calling and they do nothing but send us a form that has nothing to do with our problem. Even the supervisor we spoke to said she always thought the payments go to the older balance transfer but yet she has no authority to change the way the payments were applied. We can't get them to understand that what they are doing is fraudulent because there is no possible way to pay off the amount within the 12 months offered interest free since they keep putting our payments on the newer one. This is obvious a ploy of this bank to get the finance charges one way or another and is not fair to the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
{$250.00} owed to XXXX XXXX and showed up in collections. Haven't had XXXX  for 5 years, never heard or received notice from XXXX   that I owed any money and I don't believe that I do owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union told the CFPB that they had deleted the XXXX XXXX XXXX XXXX account off of my credit report. It was deleted but today they put it back on my credit report. It was deleted but today they put it back on my credit report The information violates regulation Z and it also violates FCRA laws that state in accurate information must be removed A letter was provided to Trans Union as proof that I was never late on this account and yet they have put it back on my credit again

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 2020-02-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX, I've sent Sagestream , LLC Personal Identifiable Information in regards to a Security Freeze and requesting a copy of my consumer report by regular postage. During this duration ( 4 weeks ), I have yet to receive a confirmation of a security freeze, PIN number or security freeze. I've attempted contacting them on XX/XX/XXXX in regards to confirming that they received my personal identifiable information and a security freeze was placed as well as sending my consumer report. Their contact number, XXXX, has given options to speak to a representative but only forwards the call to a voicemail. On XX/XX/XXXX, another attempt was made online to place a security freeze & receive a copy of my consumer report. 

After several attempts to contact them within 2 weeks with leaving voice messages, I receive no call, confirmation letter & PIN number if a security freeze, and no consumer report. On XX/XX/XXXX, I once again send an online request for a security freeze and consumer report. I try once again to contact Sagestream , LLC in regards to if they have received my Personal Identifiable Information & when will my security freeze confirmation and consumer report will be sent. It seems Sagestream , LLC, despite having a phone system set-up, no-one is every available at their offices. Despite calling numerous time and leaving voice messages, no one answers, calls get forwarded to voicemail, and no-one returns voice messages. 

Over 2 months has passed and they are harboring my Personal Identifiable Information with who knows who has possession of them. As well, I have not received my consumer report or confirmation of security freeze. Neither have I received one phone call or contact within that time confirming a freeze despite leaving voice messages several times within 7 weeks and calling during normal hours of business operation. On XX/XX/XXXX, I've decided once again to send a request via fax to Sagestream , LLC to the number stated on the site ( XXXX ) .I 've sent the fax twice containing my Personal Identifiable Information to secure a security freeze and request consumer reports information. Also, on the same day, I've sent a request for a freeze and consumer report via registered mail to their P.O. Box in XXXX XXXX, California ( XXXX. XXXX XXXX ) with USPS Priority with Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. 

It's been about 11 weeks since my first request, 7 weeks since my second attempt, and about one week since my last attempt ( and will be my last ) in regards to placing a security freeze and retrieving my consumer report. They have been unresponsive, uncooperative, and harboring Personal Identifiable information of consumers who wish to recieve a copy of a consumer report and/or requesting a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
The CFPB has already successfully had a case against OcWen. They did the same thing to me in 2010 and I just lost in federal court against them. They lied and used subterfuge, ignoring all they did to try to unjustly and fraudulently foreclose, attempt and threatened to foreclose on the property in question. We were XXXX XXXX XXXX  XXXX customers when the company was shut down and our mortgage farmed out XXXX, a subsidiary or OcWen. They tripled my mortgage, collecting escrow not due and not allowed by the original loan, refused my regular payments or paid escrow amounts not due without applying payments to mortgage, caused a huge escrow to be due without correcting account even with repeated attempts by me to correct it and sending documentation. They then repeatedly sold the loan to subsidiaries within the OcWen company, each time adding more and more fees not due, refusing payments and refusing to correct account to allow me to make my mortgage with timely payments as I had always done without fail. After 6-12 months of this and publishing foreclosure action notices repeatedly in local newspapers, I had to seek an attorney. We filed suit in state court, it took OcWen 3 yrs to reply to discovery and they have dragged this case on for years, forcing it into Federal court where they historically are at an advantage, unless you have exemplary counsel which I can not afford, nor have I been able to afford. They have taken advantage of my lack of money and lack of good counsel repeatedly. I am going to be homeless without help and I had never missed a payment, always paid taxes and insurance. I was attacked and had my home stolen by a multinational company with bottomless resources which I am not able to fight. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: MO

Complaint narrative:
I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.

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 2020-02-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.

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 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I received my report and Enhanced Recovery Company had reported this dept on XX/XX/2019 in the amount of {$210.00}, that I do not owe. I want this debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/2020, XXXX BBVA bank in XXXX accepted a wire transfer from my account ending in XXXX in the amount of {$20000.00}. On XX/XX/2020 XXXX BBVA accepted a second wire transfer in the amount of {$23000.00} from the same account. Both wire transfers were fraudulent. I have attempted to contact this bank, but they have no option for customer compliant and/or fraud to be from an international individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Each month I am being charged late fees on my remittances. My bank, XXXX, releases my remittance checks 7 days in advance of the due-date. However, COMENITY CAPITAL BANK - DentalFirst Financing, always resolves said remittances in 8-11 days, resulting in missed due-dates and charged late fees. 

XXXX sends out checks on my behalf from their XXXX XXXX, TX processing center. Zipcode XXXX. The receiving bank Comenity 's receiving address is XXXX XXXX, TX, zipcode XXXX. 

Yet, they insist that my payments take between 8 and 11 days to get to their center for processing, resulting in late fees. I THINK NOT!! 

I wrote to them in XX/XX/2019 complaining of this issue. They responded by telling me that it would take up to 90 days to conduct a full investigation. However, in XX/XX/XXXX they wrote to say that they received my XX/XX/XXXX payment late. In actuality, it was sent on XX/XX/XXXX but they claimed to have received it on XX/XX/XXXX. 

They have yet to address my main concern that their internal process is at fault here and not the USPS or MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NC

Complaint narrative:
Today ( XX/XX/20 ) I called XXXX  to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that XXXX  doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to XXXX  and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.

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 2020-02-27 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: AL

Complaint narrative:
I disputed the account with the credit bureau and it came back as verified as accurate when it is not.

The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  The amount is {$370.00} and they are saying that I still owe {$140.00}. It says it is charged off as a bad debt. Of course, I did not pay this because it is not my debt.

This account is not mine. It may be someone that has the same name and birthday, but my address and name are not associated with this account and it was opened without my knowledge or consent. My social security number was compromised.

I asked them to remove it and they refused.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, On XX/XX/19 I ordered a sofa sectional and ottoman from Ashley Furniture. I financed it through their credit card ( supposedly Synchrony Bank ) and after 6 months, my transaction is still pending and I have not been billed for it. After I applied for their card, I never received an email or anything by U.S. mail stating how much the monthly payments would be or for how many months it may take to fully pay the bill. The only thing I ever received was the credit card itself in the mail. The status of my order is still " pending '' and each time I call the number on the back of the credit card ( -customer service- ) the person who answers says it is going to be billed for sure at the end of the month and the bill will be due at the end of the following month. I have called each month since XX/XX/XXXX and each time the person I speak with says the same thing about each month. When I called in XX/XX/XXXX, they said it would come in the mail at the end of XX/XX/XXXX and it would be due toward the end of XX/XX/XXXX, and when I called in XX/XX/XXXX they said it would be due toward the end of XX/XX/XXXX, etc. When I expressed my concern for the bill at the end of 12 months to the customer service representative, he assured me that I would not wind up with ONE huge bill after 12 months with interest. He said " You will have equal payments once the first one posts to your account. '' This is extremely frustrating and I will never finance furniture again nor use those two companies. I want to know what my payments will be and when I will receive the first one. I am a XXXX and have used at least 8-9 lunch periods on hold waiting for the answer to this simple request. Please look into this for me. How long do I have to wait with the account " pending '' until I am no longer required to pay? Thank you

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 2020-02-27 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: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My complaint stems from not being notified about a promo interest rate period ending. I had a 0 % promo interest rate period on a Savor Credit Card from Capital One. The promo interest period ended, and my expectation was to receive a notification, either via phone, email, or letter, that the period was ending. A notification was not received and I was charged interest for a month and a half until a balance transfer was completed.

The proposed change is that credit card companies should have to provide notification of an ending promotional interest period, to bring to the attention of customers the coming rate change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX and my Confirmed Plan in XX/XX/XXXX stated that I was to pay {$3500.00} in principle and interest plus property taxes and insurance for my mortgage. My original payment amount was {$6200.00} per month prior to filing Bankruptcy. After filing, I sent in partial payments approximately every 2 weeks for various amounts ranging on average from {$1500.00} to {$6000.00} throughout the years. The total paid per month usually averaged around {$5100.00}. Seven years later in XX/XX/XXXX the bank filed a Notice of Default which said that I was {$200000.00} behind in my mortgage. My total mortgage balance on my payment history said that I owed {$500000.00}. When I checked the original amortization schedule that I received when I first closed on the mortgage, it said that my balance as of that date was supposed to have been {$540000.00}. So I was actually AHEAD of where I was supposed to be with the balance. When I looked at the payment history, there were checks that I had sent that were NOT listed. When I looked at the calculations, they apparently were charging me {$3000.00} per MONTH in late fees! The reason that I made partial payments was because I had read on the internet that biweekly payments would cut the interest down and make you pay off your loan faster. They also show " unapplied funds, '' which on the XX/XX/XXXX statement totaled {$110000.00}. I would like to request an AUDIT to see if they have made mistakes with calculating my interest and if they have applied all of the checks that I have sent. I have copies of my cashiers checks. Please let me know how to get an AUDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Received an alert from XXXX XXXX that a collection was added to my account. Logged into XXXX XXXX and called the company " Midwest Recovery Systems. '' Spoke with a gentleman named " XXXX '' who asked me for my social security which i refused to give. He then proceeded to ask for my name. I provided the name and the agent said that i took out a check into cash loan on XX/XX/2013. Agent forced me to pay it by saying today they report to all credit bureaus. I disconnected the call, and checked all my bank statements from the year 2013, a check into cash loan or any payday loan was not taken out. 

I researched the company and found many reports where people have claimed this company has done the same to them and the debt was not legitimate. I am requesting that action be taken against this company and this fraudulent account be removed from my credit report. In addition, no correspondence has been sent to me and this showed up on my credit report overnight.

Company response to consumer: Closed with explanation