vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Initially the XXXX credit card enabled rewards to be redeemed for cash back. Recently, they change this so that users can only redeem rewards in exchange for XXXX cash. However the system is currently not allowing this redemption to take place. As of right now, I have over {$300.00} in rewards cash I am not able to redeem in any way. I have contacted the company repeatedly with no resolution.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
For the past 3 years I have this property, Loancare requested proof of wind peril insurance. 
Last XX/XX/2020, I sent proof of insurance attaching the policy doc online, but they claimed it didnt go through. 
Since I kept receiving notifications of their intention to buy another policy I got one of of their representatives to help me on the phone. She walked me through the entire process to attach the policy again. She confirmed she saw it online. She also requested the name of the insurance agent ( XXXX XXXX ) and spoke to her to confirm everything looked according to their requirements. 
She confirmed to me on the phone that everything looked ok and I didnt have to worry about it. 
4 months later Loancare is claiming that this wind peril insurance my property has is not the peril insurance they required the property to have. So they went and bought insurance on my name, and are escrowing me {$420.00} for an insurance I already paid and sent evidence of such several times. 
I requested proof of calls I have made to solve this issue over the past 4 months and they are telling me that unfortunately I have to subpoena to get that. 
So what they are saying now is that I have to hire an attorney to proof to them I have done my job

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 2020-04-22 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: TX

Complaint narrative:
SageStream , LLC - First the company alleges to be a consumer credit reporting agency. They appear to have information on me and submitted it to XXXX XXXX. I filed a credit freeze on all three credit bureaus and have consumer alerts on my file as well. This company is reporting adverse information that affects my credit score and the only way to identify what they are reporting is by passing them personal information, including my state or federal identification, ssn number, copy of utility bills, mortgage company and such. Since I don't know who they are and/or why they are not honoring my credit freeze or consumer alert and freely giving my credit history out to strangers ... .I am left with no recourse except to provide them first with information - which I shouldn't have to. They should be honoring my protections provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$190.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
On or around early 2017 I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have had my Bluebird American Express account for a few years now and on XX/XX/XXXX tried to use my card and found out I was locked out of my account so I tried several times to call customer service and continue getting hung up on followed by a recording that states Im permanently suspended!! Please help I have written to them tried contacting them to just get the money that had been direct deposited into my account and money I had in my remaining balance sent to me by check but I havent gotten a response or anything from them!!! I also noticed I had received two emails one one XX/XX/2020 that stated I changed my password which I did not and another stating that I changed my email address which I did not and for me to confirm these changes which I didnt and to call the customer service number which I cant get through too!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've requested several times for Equifax to release my credit score. I was told to send in copies of my S.S.C as well as a passport and a written letter stating what needed to be done to my account on XX/XX/20 and sent in more information on the XXXX on XXXX. I called this past monday and was told that they can't provide me information and that I would have to resend in information again. I've very overwhelmed! My loved ones have been effected by the COVID-19 and some have passed away! Equifax has been unresponsive and I'm having anxiety attacks! Please help me and advise on what needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NC

Complaint narrative:
I never received any information from the hospital or collection agency that a debt was being issued for nonpayment. I never received bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I viewed my XXXX  credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. 

I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I called California Business Bureau , Inc. on XX/XX/2020 at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/2020, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the XXXX. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is an account with Rooms to Go that does not belong to me, and will not be removed off of my credit.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$400.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Despite having my bankruptcy XXXX on XX/XX/XXXX, Nationstar Mortgage d/b/a Mr. Cooper has refused to remove the bankruptcy codes from my existing seven ( 7 ) mortgage loans ( despite repeated calls and a Qualified Written Request submitted on XX/XX/XXXX, that they never responded to ) to indicate that those loans have all been re-affirmed. As a result, they still do not report to the credit bureaus as being current and are still coded as being in bankruptcy subject to applicable bankruptcy statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: NY

Complaint narrative:
As a currently serving member of the XXXX XXXX XXXX XXXX, I am required to maintain a favorable credit report history. It has come to my attention that there are items on my XXXX  credit report that I am in the midst of disputing. 

In the interim, I am also asking for your assistance in this matter. Specifically, the ( 5 ) aspects to this inquiry are noted below and all appear to relate to each other. 
My contention and recollection is that in XXXX, Key Bank may have transferred my education loans to a new servicer, XXXX XXXX. All payments were made to them. Then, in XXXX, I received a severance payment and paid off all said student loans in full. 

None of the institutions below could provide me with sufficient information from which to move forward toward any understanding of payment history or reflecting that the loans had been paid in full. Therefore, I am asking for your assistance and look forward to a resolution with your findings. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services continues to harass me with letters & uses deceptive collection practices after they have been notified to STOP all communications. CEASE & DESIST. Ref ID XXXX I never had an a/c with Resurgent Capital Services/LVNV Funding or XXXX XXXX XXXX  XXXX. 

Have requested numerous times for proof Resurgent Capital Services/LVNV Funding even owns this alleged a/c by XXXX XXXX   XXXX  XXXX. ( original creditor ) & are authorized to collect alleged debt in the amount of {$2500.00}. Resurgent/LVNV ignores request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a XXXX credit card through Fifth Third bank. Fifth Third bank was notified of my new address since XXXX of XXXX. Despite multiple requests, Fifth Third continued to send statements to a prior address. Sometime in XXXX, payment on the XXXX fell behind, unnoticed in part because Fifth Third continued to mail statements to the wrong address. Subsequently, Fifth Third reported a failure to pay to all credit agencies, dramatically lowering my credit score. Despite this negative reporting, Fifth Third failed to send me any notice of the same as required by 15 USC 1681s-2 ( a ) ( 7 ). 

With no notice of this negative report and statements not being sent to me, the problem went unnoticed for a period of five months, was subsequently discovered on a credit report, and the balance was paid in full. Fifth Third, now refuses to remedy this reporting problem and their violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I called, Credit Management.LP at XXXX XXXX XXXX, XXXX XXXX in XXXX Tx, XXXX. Phone number XXXX. I requested my information using my last name and last 4 but they were unable to find me in their system. However, when I provided my full name and full social security they were able to find me but my name was spelled wrong. I told them, they had the wrong person because of the name they listed. They said, the social matches so it has to be you. I told them I never received my dispute letter and the lady said, we already sent it. But how can that be, you do not have the right name. I told them I want to dispute the debt by phone and she said, we dont do that here. I told the lady according to the FCRA you are suppose to dispute the debt, if the consumer said it is error. She told me to go to the website. The FCRA says I can dispute immediately by phone. When I asked about my letter for dispute again, she ignored the question. I reported them to the XXXX XXXX XXXX and they admit in their comments they didnt send me my dispute letter and that it was on its way, after about 120 days latter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$1000.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$1300.00}

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 2020-04-22 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: CA

Complaint narrative:
In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, Trans Union and XXXX  via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX and XXXX  Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package XXXX XX/XX/2020 XXXX to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

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