vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Community Loan Servicing , LLC - previously Bayview Loan Servicing - has been suppressing our mortgage payments from the credit bureaus since they bought the loan in XX/XX/XXXX. We believe this is a violation of our credit rights. 

Over the years I've called several times and requested that they report our payments. They always refused. On XX/XX/XXXX a woman at Bayview named XXXX advised me to file a dispute with the credit bureaus and Bayview. Those actions got no response. 

On XX/XX/XXXX someone at CLS named XXXX read what he said was their response letter and said it is in the mail. We haven't received said letter. 

That letter states that they won't supply our payment history to the credit bureaus unless we reaffirm our loan. We aren't able to do that because it's now well past the 90 day period for doing so. There is no law that says we have to reaffirm, and some state courts won't even let people do it because of the burden it puts on homeowners. It's not required by the Fair Credit Reporting Act, and we're told that we shouldn't put ourselves and our home at risk by reaffirming. 

I mailed and emailed Qualified Written Requests to CLS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response was an Acknowledgement Letter dated XX/XX/XXXX which stated that they had received my request and will " provide a complete response on or before the Proposed Resolution Date '' of XX/XX/XXXX. As of this date we have received no such response. 

I mailed another letter dated XX/XX/XXXX to both the corporate office and their consumer relations office in XXXX XXXX, FL. I am awaiting a reply. 

While we've never had even one late or missed payment with CLS or Bayview, this situation has adversely affected our credit worthiness for all this time and impeded our ability to obtain credit. It's also keeping our credit scores deceptively low - possibly up to 200 points below what they should be. It's been particularly obstructive in that we can not refinance our home loan to take advantage of the low mortgage rates that have been available to consumers these past years. That in itself has cost us thousands of dollars. This is no way to treat homeowners who have an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After rent I have next to no disposable income for this credit card payment. I contacted Captial One on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without Capital One 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: America's Mortgage Center, LTD.
State: GA

Complaint narrative:
case number XXXX was closed jthe mortgage company never gave you the letter from FEMA about the flood Insurance The company has a copy on file that iI sent it to their office. They choose not to send the documents to you so i will send it with this commplaint

Company response to consumer: Untimely response
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Went into forbearance on time with Dovenmuehl Mortgage, made 5 payments during forbearance. Deferral was done incorrectly on XX/XX/22, putting account into late status right away even though I made payments every month starting 2 months before deferal was finally done after asking for 2 months. They are refusing to correct the deferment so the account shows on time the past 5 months, and owe 3 payments they have not credited me ( {$6300.00} ). 2 were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I started a transfer on pangae money transfer on XX/XX/2021 for XXXX XXXX and the transfer was completed but my recipient has not received the money, and they have charged my account, i want a refund but the merchant is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX mandating owners to use Bank of America merchant services to receive kickbacks. 
In turn costing owners more money than other competitive merchant services.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I submitted a CFPB complaint against National Credit Adjusters and how theyre reporting a debt supposed it owed to them incorrectly. I disputed that the open date is showing incorrect on my XXXX, XXXX and XXXX of an incorrect open date of XX/XX/XXXX, which is incorrect! According to what they sent youll via response showed that the supposed date of last payment was XX/XX/XXXX, not any dates in XXXX. I am asking that this account be deleted due to inaccurate reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I had XXXX  XXXX at XXXX XXXX XXXX  back in XX/XX/XXXX. After follow up visit I was told I had XXXX follow up visits at No charge ( had my check book out to pay, was told I owed nothing. Received a bill in the mail I called them, they said to ignore the bill I owed nothing. Had a second visit wanted to talk to someone regarding the bill they told me to wait till after my visit then I could talk to someone. XXXX with XXXX he told me I did not have follow up visits at no cost, was a bit rude to me, I tried to dispute this at the office and they would not talk to the girl at the receptions desk. Then received more bills, tried to talk to the office and they would not talk to me, just said I would be sent to collection. 
XX/XX/XXXX I sent them a certified letter with a check for {$56.00} per my insurance invoice, with a note on the back of it saying, " By endorsing and cashing this check you accept payment in full for all Visits thru XXXX XXXX. '' the check was cashed when they received it. I then received a call from XXXX ( XXXX  XXXX  XXXX  ) about monied due, explained to him the letter and check sent, he said he will Not cash it, As I told him it was already accepted and cashed, he then told me he would send the money back to me, I told him NO if he sent it I would not cash it. 
I was then turned over to Allied Collection agency, showed them my proof, Since XXXX they have dropped me and put me back on collections, they just closed the account again and reopened as of XX/XX/XXXX. I went in person again XX/XX/XXXX to try and resolve this but XXXX ( a manager XXXX said they can keep on renewing it and he says they didn't receive this till XXXX, even after I showed him Proof they had this account since XXXX! He even copied a fax I sent to them in XXXX, and when I told him I spoke with XXXX he said nobody worked there by that name yet the fax proved I sent it to him in XXXX. XXXX would not even acknowledge all the phone calls and people I have talked to over the years with Names, Dates and Times XXXX  Years I have been trying to resolve this. What is my next step.

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 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XX/XX/XXXX, A DOMESTIC WIRE TRANSFER OF {$12000.00} WAS MADE TO MY CHASE CHECK ACCOUNT. CHASE SENT ME A NOTICE CALLED " ADVICE OF CREDIT '' STATING THAT THE MONEY WAS CREDITED TO MY ACCOUNT. THE MONEY WAS NEVER PLACED INTO MY ACCOUNT. I MADE A COMPLAINT WITH CPFB BECAUSE CHASE WAS NOT TELLING WHAT WAS DONE WITH MY MONEY. 
I ASKED CHASE TO TRACE THE WIRE USING THE IMAD AND OMAD NUMBER. I CONTACTED THE FEDERAL RESERVE AND I WAS TOLD THAT CHASE COULD DO THIS BUT I COULD NOT AS THE CONSUMER. 
CHASE RESPONDED TO MY COMPLAINT AND SO MANY INQUIRIES BY LETTER DATED XX/XX/XXXX THAT THEY COULD NOT FIND THE WIRE. CHASE NEEDS TO CONTACT THE FEDERAL RESERVE AND TRACE THE WIRE.

I HAVE ATTACHED MY WRITTEN COMMUNICATIONS WITH CHASE, INCLUDING TWO EMAILS WHICH WERE JUST IGNORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX TRANSUNION XXXX TYPE OF BUSINESS BANK DATE OF XXXX XX/XX/2021 TRANSUNION XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 TRANSUNION XXXXXXXX XXXX XXXXXXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX TRANSUNION

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 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Have not received any documents that show I signed acknowledging this collection. I need it removed from my credit reports till documentation can be produced showing I signed anything stating this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was notified 6 months ago by the borough where my building is located that my taxes were in arrears. The taxes are paid through the escrow account at BankUnited so it is not something I reviewed on a consistent basis. I had not received any past due notices from the borough because they were sending them to the previous address where the XXXX was formed and not to the physical address where the building is located. I immediately notified the bank. After many calls and many months of waiting, I was informed that in 2019 in some sort of mishandling the borough returned the check to the bank and stated it was an overpayment. No one from the bank called me to help in solving this obvious error. The bank continued to pay but all payments were applied to the old balance. 
Unfortunately for me this came to penalties and interest that the bank said was my problem. In order to avoid any more problems with the borough and because the bank refused to accept any responsibility I paid over 4,000.00 in penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CREDITACPT XXXX Balance {$0.00} CREDIT ACCEPTANCE CORP XXXX Balance-

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Sequium Assets has charge me for an account that i am paying on and has not paid out yet but i am still paying on it as we speaks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CL Holdings LLC
State: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Mailing Payment Address XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX XXXX GA XXXX Synchrony Bank 's website tells me I can use my point on XXXX purchases. Nowhere on XXXX have I been able to check out and pay with my points. My account opened in XXXX. by XXXX I was becoming concerned with my rewards. upon not being able to reach a live person I opt for the chat feature online where I am told that no live agent is available or the live agent is unable to help. In both cases, as seen in one of the screenshots all rewards are automatically credited towards your account balance. I was once told by a live person in a chat that the same info my rewards would be applied to my balance. This has never happened. today XX/XX/2022, I am told that the rewards do not automatically apply to my account.

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