vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I have contacted Berks Credit numerous times to request information for proof that the alleged debt they are reporting on my credit report is/was mine. 

They have failed to provide said proof and continue to report this false information on my credit report. 

They are also ILLEGALLY trying to collect a debt when, according to the State of New Jersey, they are NOT BONDED with them. 

I have also sent letters to The Attorney General 's Office and the Consumer XXXX XXXX XXXX. 

This needs to be removed from my credit report within 30 days or I will be filing a lawsuit. 

It should not take MONTHS of sending lenders to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
My account had a balance {$57.00}. At the branch manager 's discretion an item for {$190.00} posted to my account bringing my account negative - {$130.00}. Previously with my account multiple fradulant debit card purchases were allowed to process in my account overdrafting it again at the managers discretion. While resolving the dispute at the financial center I requested that no debits of any kind post at the manager 's discretion. My wife had left with my children and I moved to an area with no cell reception. My mail was forwarded to my parents address and I assumed I had just received statements from FIB. I was then charged {$380.00} in fees and am being charged interest by the collections company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have filed a precious complaint against Select Portfolio describing the misinformation I was given during a modification process. I had submitted a dispute to Select Portfolio as well as CFPB to try and work out another modification plan. 
There is a foreclosure date set on my house for XX/XX/2019 less than one week away from now. I have called Select Portfolio Representative this morning XX/XX/2019 and was told that the foreclosure was put on hold and that they were yet to set a new foreclosure date. I was also told by a select portfolio representative, on a phone call made on Friday the XX/XX/XXXX, that the foreclosure date would be postponed so that they may respond to my dispute. 
Today I called the Ombudsman office and was told that the foreclosure date was not put on hold and that it would still be happening on XX/XX/XXXX even though less than one week away from the foreclosure date I have not received a response to my dispute on the modification. 
I dispute this foreclosure date due to the fact that Select Portfolio has yet again given me nothing but misinformation. You talk to five different people there you get five different answers. That is very unfair to my situation. When asked if there is anybody I can speak to directly in their legal department I am told that is not possible. I beleive they are more concerned with foreclosing on the property that actually working something out and that is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2019 I received a notice from XXXX stating LexisNexis confirmed a chapter XXXX bankruptcy listed on my XXXX  credit report in my public records. I call LexisNexis on XX/XX/2019 to inquire about the erroneous bankruptcy information. I was not given any answers as to why this bankruptcy was being published on my report. 
I reminded the LexisNexis customer rep that I had previously disputed this bankruptcy in the past on XX/XX/19. I also received a written statement from LexisNexis stating the they have remove/deleted the XXXX XXXX bankruptcy from my report. They also provided me with an updated copy of my LexisNexis report showing the deletes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
transworld systems inc. 
is trying to collect a debt that is not mine, not owed and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019, I requested to make a principal reduction and to have my mortgage modified. Regions accepted the payment, sent out the required paperwork which I signed and sent back by the due date but did not process a modification as they contracted and agreed to do. I received my XXXX statement that shows the payment amount unchanged. I question if this may be retaliatory action for the complaint that I filed XXXX or if it may be related to my husband being a service member which means they are unable to collect the standard modification fee. 

As you will see in my email, Regions was also misreporting information to the credit bureau. I asked for them to clear this up and am not sure if this was done either. Can you please help me?

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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: NY

Complaint narrative:
I was out on XXXX XXXX. I was seeing the doctors at XXXX XXXX detail I did not make an appointment that I was supposed to and I was forgot to call they tried to tell me for breaking the appointment I owe them {$25.00} I told them this is through XXXX XXXX I dont have to pay {$25.00} they refused to except thatThey would not except that as an answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
This is about the 8th time this has happened, and from reading other statements online from other people going through them is no help. The situation is I will make my student loan payment on time over the phone. It will go through the entire process, and even give me a confirmation number but a few days later I notice no transaction. I will call back and they will tell me the payment is past due and that I never called them even if I have the phone records showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX for XXXX dollars reported on XX/XX/XXXX and opene don XX/XX/XXXX I requested that they Send the following information : - equifax has no information on the original alleged creditor an has failed to provide infomtion about this account reported as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: AR

Complaint narrative:
My name is XXXX XXXX. In process of researching purchasing a home, I was made aware of a delinquency in my credit report.I spoke with my servicer XXXX regarding the delinquency. It was reported delinquent from XX/XX/2019 - XX/XX/2019. I spoke with servicer and requested the froebrance be processed to cover delinquency and update my report. I have seen no updates, and hope you can speak with them to assist in my credit update. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2017 I applied for a XXXX  credit card & I was approved. This was the first credit card I have had in many years. The limit was {$500.00} to start. First I got an oil change & two new tires & a few months later, I bought a battery. I paid {$50.00} to {$60.00} a month for 6 months by check with XXXX XXXX from my XXXX  Account. InXX/XX/2017 I got a phone call from Citibank. They said to me they want to know when will I make my first payment on my account, I told them I have made several payments starting in XX/XX/2017. They told me to give them proof, so I gave them the conformation numbers from all my payment and she said that don't show anything. I asked if you guys didn't get not one payment, why did you wait 6 months to tell me? She then told me to call my bank and ask them to send some type of paper that they have showing I paid through them, some kind of code that only ppl who works at a bank would know what that paper was & my bank told me that they can't do that, so I pulled up my acct with XXXX & screen shot all the payments that I paid sence XX/XX/2017 and when ask for their email address to forward to Citibank, the lady told me to just pay the pass due bill and we won't charge interest or late fees, I said no because all payments for 6 month have been paid already, so we hung up. A new bill came a few days later and they set payment to {$88.00}, I told them I can only afford to pay what I always paid which was between {$50.00} & {$60.00}, they would not accept payment from me because they wanted {$88.00}, they closed my account asap and called all day every day with the same thing how they never been paid.I would call then with I don't know what you ppl did, but I have proof, they wouldn't take it and they stopped calling. They messed up my credit that I had worked hard to get it to where it was. My score was XXXX at that time, other credit cars I have was lowering my limit because of them & some closed my acct because all their negativity about non payments, all the late fees etc. I had the proof and they blew me off. Please tell me what can I do. I don't understand when XXXX   say we found what they said was to be ture when how can they when they said I never made a payment.. What was it that they showed XXXX? Thank you so much.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Company reduced credit limit by over half ... XXXX to XXXX resulting in my card being XXXX dollars away from max limit although I had made 2 consecutive payments over {$1000.00} each in order to have my balance at half of available credit. I have an excellent payment record with the company, have never been late or missed a payment. Their actions are lowering my credit score further while I am taking the proper actions to raise my score. My card usage was up due to international travel yet I have been making significant payments to lower those balances and have not been late on payments with any of my creditors. Their actions are detrimental to my credit at a time when have not done anything wrong other than use credit that was available to me.

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST REPUBLIC BANK
State: NY

Complaint narrative:
This bank doesnt offer latest card technology contactless like other banks I wish they did they only offer chip which is so old it makes the checkout longer if they had tap card it would be faster I called to inquire and they were rude to open an account I asked if they plan on having this technology they said no

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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
A particular card is being reported to the credit bureau as if it were in a bankruptcy in 2016. This information is in accurate. The card was actually a charge off. I have called the bank regarding this reporting error four times over 42 days. I am being denied a mortgage because of this information. I have only a few weeks until we are supposed to close. Despite my best attempts I am unable to get this particular creditor to report the information accurately. Disputes have been filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased my home through Chase mortgage in XX/XX/2017 as a first time homebuyer. On XX/XX/17, an escrow payment of {$320.00} was applied directly to the escrow account. Going forward, the original agreement, signed in good faith, indicated of the {$1000.00} monthly payment, {$140.00} would go towards the escrow account to cover insurance and property taxes. I set up an auto pay for {$1100.00} so {$88.00} additional principal would also be applied. These amounts were paid and applied appropriately until the payment on XX/XX/2017 where the escrow payment applied was dropped to {$64.00} ( down from the {$140.00} ) to continue paying the insurance but not the property taxes without my knowledge or consent. I was confused and unsure as to why this happened but, being a first-time homebuyer, assumed that because the previous home owner had a homestead exemption that granted him complete exemption from property taxes, the taxes may have been re-assessed and with already almost {$1000.00} in the escrow account the monthly amount withdrawn could now be reduced. Believing the bank would apply funds as necessary, I did not change my automatic payment - I continued the autopay that was set up to pay the monthly mortgage amount dictated by the bank plus the {$88.00} additional principal. 

Recently, I noticed a message on my online Chase mortgage account that indicating my monthly payment would be changed once again but this time from {$970.00} to {$1800.00}! It appears that because the bank failed to continue applying escrow towards the property taxes, they are now unfairly demanding that I double up on tax payments this year to clear last year 's property taxes and put money into escrow for this year 's property taxes. Of the {$1800.00} payment, it appears they are applying {$510.00} towards " escrow shortage '' ( short due to the bank 's error )  and {$390.00} towards property taxes. As you can imagine, nearly doubling the monthly payment on a mortgage would no doubt create a severe financial hardship on a single mother. I feel the bank was misleading and deceptive in their erroneous practice of changing the monthly payment without my consent and then expecting me to pay twice the amount in property to make up for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I called to the bank, they didn't provide any information. They couldn't find anything on my name.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( XXXX and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ran a hard credit report without my consent. I did not request any credit or loan from them. I went to open a momeymarket account for savings only and did not want any other products. I was not told that they would do this. I called them but have not gotten a explanation. I want them to immediately correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. 

Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank allowed someone else to use my XXXX card 4x, my Victoria 's Secret card 2x. The hacker also changed the name on my XXXX  card. Back in XX/XX/XXXX/XX/XX/XXXXwhen the first charges appeared I called in the fraud but no protections were put on my card. The same person was allowed to repeat this again in XX/XX/XXXXat 2 more XXXX stores and change my card to the same name she changed it to last time. 
This is scary and takes a lot of time to resolve. They have given this woman access to my personal data and stolen my time, energy and sense of security. The charges are over {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm in escrow this week and need to deposit XXXX into my escrow account. I deposited a check for {$4600.00} with Wells Fargo and I was told the money would be there today XX/XX/24 however when I logged on to look the money is nowhere to be found. There is no pending deposit or a record of the deposit. I called Wells Fargo and showed them my emailed receipt and they said it would take 10 days to resolve. Meanwhile I need to move forward with my escrow. This is unacceptable and I want someone to answer me as to what went wrong and more importantly I need a speedy 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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Was told I had a charge off account with Navy federal for a mastercard platinum from XX/XX/XXXXfor about {$950.00} and will not let me withdraw my savings account or close it out until the debt is paid and when I asked for statements and ways to verify the debt they said they cant because it's a very old account I told them I will not pay for a debt that I cant even verify is mine and that they cant just hold my savings account funds indefinitely to cover that debt. I also found a letter dated from XX/XX/XXXX and it said I had to make a payment or they would contact my chain of command to force me into making a payment arrangement back then. I think Navy Federal has unethical collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation