vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: DISCOVER BANK
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I saw that I had a new medical debt in collection with CMRE Financial Services and the Original Creditor : XXXX XXXX XXXX XXXX. I never received any bills, nor phone calls from either company. I called CMRE the same day asking them for the contact information to XXXX XXXX  and informed them that I never received any bills. CMRE refused to provide the information and told me they made several attempts to contact me at an address and phone number I haven't had and lived at for over 10 years. The rep I spoke with attempted to collect the debt, but I refused because I needed proof of the debt first. I found XXXX XXXX 's phone number on their website, and made several calls, left messages, and sent emails, but I couldn't get through and no response. On XX/XX/XXXX, I called my health insurance company asking them if XXXX XXXX ever filed a claim with them for their services, and my insurance rep was not able to find any claims from XXXX XXXX. My insurance rep was able to put me on 3-way and called XXXX XXXX 's billing department on another number and was able to get XXXX on the phone. XXXX confirmed that they did not submit a claim because they did not have my insurance information. She also did not have the correct phone number and address for me. I asked who gave her incorrect information on me, and she let me know XXXX XXXX XXXX XXXX XXXX did. I knew this to be true because they gave the wrong information on me to all the medical companies that provided me service on XX/XX/XXXX. I had to call every single one that submitted claims to update my address and send me the bills. I even called XXXX XXXX XXXX asking them to make sure they update my information and send it to all parties that will be billing me, but apparently, they did not. I gave XXXX at XXXX XXXX my correct information and asked her to submit a claim to my insurance company. I asked her to take back the debt from CMRE and have them remove the collection from my credit report since I will pay the bill once I receive it. She told me she herself can not remove the collection until it is paid in full. I argued that it should've never went to collection in the first place since I had no knowledge of the debt and I want it to be completely removed. She told me she will take back account from CMRE, submit the claim for me, and will tell CMRE to remove the collection from my credit report. I asked her to send me that in writing that she will have CMRE remove the collection, and she said she would. I called CMRE to inform them and they told me they will only do what their client tells them to do. I filed disputes with all 3 credit bureaus, and still, no changes were made because CMRE reported back that information was accurate. As of today, XX/XX/XXXX, I still do not see a claim submitted to my insurance company. I still have not received any bills. No updates. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I took a promotional offer with Comenity Bank to pay for a dental procedure with 0 % interest for one year. The promotion ended on XX/XX/19. Knowing I would be charged approximately {$600.00} interest on a balance of approximately {$1200.00}, I made a balance tranfer with XXXX  XXXX XXXX to pay the remaining balance onXX/XX/19. I obtained a copy of the check XXXX XXXX XXXX sent to Comety dated XX/XX/19. Comety is one of the few banks that require a snail mail payment from other banks. I was not aware of that. Comety did not process my payment until XX/XX/19 and charged me the penalty interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 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: Home Loan Center, Inc.
State: TX

Complaint narrative:
Lending Tree The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX My BBVA USA/Compass Bank credit card # XXXX Acct statement for XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX New balance {$7.00}, due date XX/XX/XXXX Payment was made by XXXX XXXX online bill pay {$7.00} on XX/XX/XXXX Bank posted my payment {$7.00} on XX/XX/XXXX *** See bank statement and front and back of the payment check attached. 

Bank started claiming my payment was late and put the late fee and/or interest charge on my account. 

I made several recorded calls to the bank asking to stop the wrong doings! Nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
My loan was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is the servicer of the loan. I sent my XXXX XXXX payment to Caliber Home Loans, the previous lender, because I wasn't aware the loan had been transferred. The new lender claimed non receipt of these funds from previous lender. As a result, I supplied the new lender with proof of payment, as well proof and date the check was cashed by former lender, in the hopes that my payment would be applied correctly. Nevertheless, the new lender insisted upon payment of the already paid funds and, by the time I sent a duplicative payment to the new lender, proceedings to pre-foreclose had been initiated by the new lender, my duplicate payment was sent back to me, and I was being requested to pay 3 months mortgage to avoid foreclosure. I did make the payments and my account became current by the end of XX/XX/XXXX. I did not get my duplicate payment returned to me by the former lender nor has it been applied to current loan. I nevertheless submitted my mtg. payment for XXXX XXXX via, certified funds and overnight express mail on XXXX, XXXX. USPS confirmed delivery was made on XXXX XXXX, XXXX to XXXX XXXX but my account has not been credited for this payment. Additionally, a late charge for XXXX XXXX mtg. was assessed by XXXX XXXX who claimed they didn't receive the XXXX mtg. payment. Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
The debt was paid in full as stated in amended notice of dismissal filed by BSI Financial Services attorney in case XXXX enclosed as an exhibit in this complaint. 

The debt was agreed on a balance not to be less than {$25000.00} to BSI in a agreement to settle the debt which was the amount of the reaffirmed bankruptcy agreement signed by the investor and creditor in case number XXXX in the United States Bankruptcy Court XXXX XXXX of Ohio. 

BSI agreed to the amount of no less than {$25000.00} in the contract and there were no other numbers or figures listed in the agreement of money still owed of any amount or forgiveness of debt. BSI has now sent the IRS a XX/XX/XXXX 1099-C in the amount of {$13000.00} debt discharged also showing {$2500.00} in interest payments made by me on the loan. This amount is not a true FACT as per the courts finale amended notice of dismissal in case XXXX the loan was paid in full by BSI own lawyer XXXX balance owed. As per the contract signed and agreed on with BSI I paid them {$25000.00} which was the original reaffirmed amount from XX/XX/XXXX four years prior. The FACTS show that per the court dismissal the loan was paid in full. This 1099-C is just an attempt of BSI or the investor of that loan to try to defraud the IRS by submitting a 1099-C for what could only be discharged bankruptcy debt from the loan cram down which would be illegal and I will have no part of it.

I have also included as an exhibit the case at which BSI lawyer petitioned the courts for the amount of only {$22000.00} which was not the amount of {$25000.00} that I paid if you were to take the interest showing in the 1099-c in the amount of {$2500.00} plus the {$22000.00} it would be {$460.00} more than BSI stated was the less amount that they would take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Opened credit account with XXXX in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from Experian that credit score had been reduced due to delinquent XXXX account. Attempted to log on to XXXX website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted XXXX about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't XXXX notify me of a balance due before notifying Experian? I sent several messages via XXXX 's website about the above and was informed that autopay never got set up. I called XXXX customer service and asked why XXXX hadn't notified me before Experian. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for XXXX to let Experian know that I was not informed about the balance due. Needless to say I have recently re-set up XXXX autopay to forestall the above repeating. My account currently is paid up.

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 2020-01-21 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: MA

Complaint narrative:
The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX  account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove it.

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 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2020 a XXXX payment was debited from my checking account for a total amount of {$150.00} ID # XXXX. The payment was returned and a fee of {$35.00} was charged for the return of posted check fee based on my online banking. A few days later on XX/XX/2020 the same payment was retried. The charge shows as " Retry Pymnt '' and uses the same ID # for the payment " XXXX '' and another NSF fee of {$35.00} was charged. I was charged for more than one NSF fee charged to a single transaction that was processed more than once.

I feel that this is bad practice, and does not fall within the rules of the bank that an NSF fee can only be charged " per item ''. In my case i was charged more than one NSF for the same item. Please see attachment. 

My bank digged me into a deeper financial hole by attempting to retry the payment and theres not enough money in my account, instigating the bank to reject the charge. When I tried to make a complaint with the bank I was advised that there was no charge that i could dispute even though the service agreements lacks this practice.

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: CA

Complaint narrative:
Wyndham Capital Mortgage is the company ... 
Going through a mortgage re-fi ... in the beginning ... I ask if their loans have any Points ... they tell me No point re-fi. 
XX/XX/XXXX I receive an email and in there it says " We do not charge any lender fees whatsoever! '' They ask what i think my home is worth ... .I am not the expert ... ... I " guess '' at {$710000.00}.

On XX/XX/XXXX I receive my Closing Disclosure Statement ... '' Loan Costs- % of Loan Amount Points ... is {$0.00} ... ... ... so this looks ok to me then on XX/XX/XXXX just a few days before closing I receive updated Closing Disclosure Statement and it now has under " Loan Costs- % of Loan Amount Points is {$1900.00}. 

When I ask about this they are telling me it is because I said my home was worth {$710000.00} and appraisal came in at {$680000.00} so i was basically being penalized ... .because my " guess '' at my home 's worth BEFORE appraisal was off so now I had to pay {$1900.00}. 
This was told to me at the very end while waiting for loan to close and I couldn't start this whole process over due to the time and I would have lost the lock-in rate and the {$480.00} I had already paid for an appraisal and feel this is a bait-and-switch technique they are using. 
I was NEVER EVER told that I would pay any $ $ if my appraisal did not come in at {$710000.00}. I was deceived and lied to by Wyndham Captial!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CA

Complaint narrative:
Equifax is the only company with an error reporting an account that doesnt belong to me. 

XXXX XXXX account XXXX Not only is his account passed the 7 years of reporting but it doesnt belong to me ... 

Equifax is causing distress and damages and I will have to pursue legal action if this can not be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: MA

Complaint narrative:
The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove it.

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 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number. 
A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Regional Management Corporation
State: TX

Complaint narrative:
XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX  The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CA

Complaint narrative:
These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXX openedXX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XXXX / XXXX 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 explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I pullfed my credit reports and found an a writtenoff account from Comenity capital Bank. I called XXXX XXXX asking for clarification and any documents they had that proved I authorized this account. They explained that a written request had to be submitted and provided me with the mailing address.XXXX XXXX XXXX XXXX , OH XXXX. They also stated that I should send attention to Clerk of Record. 

On XX/XX/XXXX, I sent a request to Comenity Capital Bank requesting documentation that proves I authorized the opening of this account. 
On XX/XX/XXXX, I received a letter, from Comenity Capital Bank, stating thatthey received my requested for validation and confirmed that the information is accurate. The letter also explained that I would need to provide a supeona in order to request application records. 

I sent a second letter on XX/XX/XXXX, clarifying that I was not asking for verification/validation and that I only wanted account origination documents. I also asked for all the evidence reviewed for the accuracy of their reporting. 

I have received no other responses from Comentiy Capital Bank. I made another phone call to them today, XX/XX/XXXX. I spoke with XXXX, in the Account Protection Dept. at XXXX XXXX est.. She explained that she didnt see any past requests on record for me and provided the request for records mailing address I used in my inital letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
XXXX with American Express has been repeatedly calling me to collect a debt that I previously told her I could not pay all at once. She is unwilling to set up a payment plan to pay off the debt and has started calling my family, my wife and my work to try and collect this debt. 

The number she has been calling me from is : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
Got my credit report it said that someone named XXXX XXXX is using my info since like 2016! I called the company they gave me XXXX and got a hang up! Went online and saw that these people have ripped others off! Think it has something to do with XXXX XXXX and I dont have an account with them nor have I used this name ... .They are ruining my credit!

Company response to consumer: Closed with explanation