vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XX/XX/XXXX I stopped my ACH w/drawal for my mortgage payment to Bayview Loan Servicing ( my second mortgage company ) because I was offered by them a Forbearance Plan ( in writing on XX/XX/XXXX ) because my property was designated as being in a major disaster area due to Hurricane Irma. I did not apply for this, they gave it to me and stated that during this time I did not need to make any mortgage payments for three months. 

XX/XX/XXXX Letter certifying I sent them financial information they requested. 

XX/XX/XXXX Announcing that I am pre-approved to " complete a loan modification '' that will lower my monthly payments. I did not ask for this ; this was offered to me. 


XX/XX/XXXX Reference delinquent loan. I, at this time, had not been asked to make a payment. In fact, I was advised that my loan was in good standing. 

XX/XX/XXXX Acknowledging receipt of my complete Loss Mitigation Application. 

XX/XX/XXXX Announcing I am pre-approved to complete a unique loan modification. 

XX/XX/XXXX Signed Loan Modification Agreement Prior to Bayview contacting me about the National Disaster Program, my mortgage payment was being submitted timely each month. I did not ask for a modification or any change to my mortgage with Bayview. They offered it to me, and I accepted. I checked my credit report XX/XX/XXXX, and discovered that they had reported to the Credit Bureau that I was past due XX/XX/XXXX and subsequent payments. 

XX/XX/XXXX I contacted Bayview about this erroneous reporting to the Credit Report and received a letter stating in part that they were required to report factual data. The information they reported is not factual and is devastating to my credit score. This is very unfair for a business to be able to get away with such shoddy work. 

During the time I was dealing with Bayview for this modification, it was next to impossible to make contact with them. Maybe ten percent of the time the phone was actually answered by a human being. I mainly dealt with XXXX XXXX ( XXXX ) ; but would leave a time for him to return the call. 

I was a very good customer of Bayview. I paid my mortgage timely, eventhough I know I got a very bad deal from them in the beginning, but I honored my commitment, and they should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Onemain financial took an additional payment of, {$430.00}, out of my checking account without my authorization on XX/XX/XXXX. When I contacted them concerning the matter, they stated they were unaware of this transaction. I took them a hard copy of my bank statement in person to prove this to them. The company had taken the normal scheduled payment out the week before on XX/XX/XXXX. After the second transaction took place, there was no money in my checking account. I was left with {$0.00}. I contacted them via phone immediately and went to their office on XX/XX/XXXX about this concern. I was leaving to go out of town on the evening of XX/XX/XXXX for work. I expressed my concern about this matter and how much of a hardship this was putting me in. I had to go out of town to work without any money for gas or food. I was out of town on the evening of XX/XX/XXXX thru XX/XX/XXXX. They informed me there was nothing they could do. They were unwilling to help me with money to get me through the weekend. I ask them about writing me a check for the money and they refused to do so. They stated they could not make this transaction for me. With that being said, I had no money for food or gas the entire time I was out of town working. It is now XX/XX/XXXX and I still have not received the money back in my account. I am in a hardship now due to other bills being due that I can't pay because One Main Financial has not refunded me the money they took without my authorization. It has now been seven days and I still have not received the money back into my account. Today is Friday, XX/XX/XXXX at XXXX, and I am going into another weekend without any money. I am very upset about this matter. This is money that I have had to get out and work for. This is not a credit card matter, that I consider free money from a bank or credit card company. I called them today, XX/XX/XXXX, about my concern about the money not being refunded back to my account. They could not explain to me as to why this money has not been credited back to my account. To this day, I still do not have any money in my account to make it through another weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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:
I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. In their stall tactic, dated XX/XX/2019, they stated they will not reinvestigate my dispute. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. Previously, they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted. THIS IS MY FINAL COMPLAINT VIA THE CFPB BEFORE PROCEEDING WITH FURTHER ACTION SHOULD EXPERIAN CONTINUE TO IGNORE AND/OR OVERLOOK MY REQUESTS AND CONTINUE TO BE UNABLE AND/OR UNWILLING TO COMPLY WITH FEDERAL LAW!

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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was told by Wells Fargo Representatives on XX/XX/XXXX that I signed up for Overdraft Services during XX/XX/XXXX, but the company cant tell me when exactly I signed up and I don't recall I gave authorization for this service. 

Removed overdraft 'services ' from account XX/XX/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 non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I receive a letter from Security Credit services alleging that I owe them a debt for {$7000.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( SCS ) any amount please show agreement that I owe. ( SCS ) receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus XXXX XXXX XXXX XXXX XXXX XXXX. InXX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus XXXX XXXX XXXX XXXX XXXX XXXX about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I put a security freeze on all three credit agencies. I needed to lift it temporarily, and had NO problem with XXXX  and XXXX. Experian, apparently, sent me a PIN number in the mail, which I do not recall receiving. I answered questions it asked online, but the company would not life my freeze and wants me to send in a copy of my drivers license, bills and other proof of who I am, and will not lift the freeze or allow me to use a verbal identification over the phone with SSN, former addresses, and other proof of identity. I'm ticked off, because they make is so difficult to lift my freeze and can not make it reasonable like the other two services. Meanwhile, because I can not get the freeze lifted, I'm losing {$600.00} by not having my credit approved in time. 

We have no choice to be able to remove them from our credit services. I'm frustrated and feel that they should be sued for restricting commerce.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS IS A CLOSED ACCOUNT DUE TO MULTIPLE ACCOUNTS OPEN AT ONE TIME THAT HAS ALREADY BEEN RESOLVED. BUT COMPANY HAS IT AS A DERROGATORY MARK ON REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal is attempting to collect a debt in the amount of {$3400.00} that does not belong to me. I have called a notified them of my dispute and that I have been a victim of identity theft. To date, I have been unsuccessful in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from Portfolio Recovery Associates, LLC. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC. ( Letter enclosed ) Prior to this Portfolio Recovery Associates, LLC did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I never applied for or had any account with XXXX XXXX XXXX or XXXX XXXX   XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted TransUnion and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, TransUnion and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. TransUnion, XXXX and XXXX will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

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 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My MUD tax payment from my escrow account paid twice on XX/XX/2019 and XX/XX/2019. 

I have called the company several times, remind them to fix the error. They never actually fix it, and reimbursed the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc.
State: GA

Complaint narrative:
On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX  may be withdrawn.

Company response to consumer: Closed with non-monetary relief