vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received numerous - hundreds, if not thousands of calls from this company. I recently pulled a credit report and attempted to pay the debt. They refused to provide information and now they have told me they refuse to speak to me, or to provide information on resolving the debt unless i obtain a lawyer. I have attempted to send them payment to resolve the debt and they are refusing to provide information on the debt amount, and payment remittance address. The service reps have repeatedly been disrespectful, demeaning and down right rude. I requested a letter that they would remove the debt with payment in full, they refused and sent me to a website with generic information. The service rep - XXXX XXXX then stated " I dont really care about your debt of {$700.00} as much as my job and I will not help you with your problem anymore ''. Absurd tactics from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays US closed my account in XX/XX/2018 when it had a balance of {$2700.00}, I was paying it off as fast as I could because I already knew it was way over the limit. It was hard trying to pay this off when I was college student because my dad promised me that this would be off my paid off but then I got stuck paying for this out of pocket myself when I was in college. So I was always communicating with Barclays about the payments especially when I ran out of money when I paying bills. But I have XXXX delinquent payments on my account credit report, I did not know I had two 30-day late payments and one 60-day late payment until it already posted on my account. They did not once email or call me to inform me about these late payments until it was already reflected on my credit report. I was also not contacted about my my account closing until I logged in one day on their website, I always used their app to pay my bill, and they closed my account without my knowledge!!

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 2019-03-26 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
GMFNANCIAL is reporting incorrectly that I am 30 days past due on partial account number XXXX ( please see page 12 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, PCS OCONUS, or deploy OCONUS for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
In XXXX of each year, I receive an escrow review statement from Wells Fargo Home Mortgage. These statements advise me of any escrow account shortage. My XX/XX/XXXX ( Exhibit 3 ) escrow review statement showed a shortage of only {$270.00}. The following year 's statement dated XX/XX/XXXX ( Exh. 2 )  showed an escrow shortage of {$550.00}. However, my most recent statement ( Exhibit 1 ), dated XX/XX/XXXX, inexplicably shows a shortage of a whopping {$2900.00}. 
A review of the escrow statements reveal that these shortages are based on " projections '' ( page 2 of exh. 1 ). However, as page 3 of Exh. 1 shows, the projection formula is based on " what [ XXXX XXXX ] expects to pay out. '' I have no idea how these year-to-year projection expectation amounts are determined, though I suspect that the increase is linked to a claim I made in XXXX. A neighbor whose rear yard abuts mine was working on his car in his rear yard and apparently did not have the vehicle properly braced. It consequently crashed through his rear fence, descended down the hill, crashed into the rear of my property, causing severe damage to the exterior and interior of my home. I have been using XXXX XXXX through Wells Fargo as my escrow manager for over fifteen years without ever having to make a claim. I can only surmise that the huge increase in my escrow " projection '' of what is expected to be paid out is somehow correlated to my damage claim which was not my fault. 
I am asking for an explanation from Wells Fargo and/or XXXX XXXX as to how this exorbitant increase in escrow projection was determined. As I have observed, it appears to be correlated to my claim which goes against the basic tenet of insurance, which is to spread risk among the company 's insured so that no one is hit with a menacing escrow shortage in the event of a needed claim. 
Exhibit 1, page 3, shows that {$950.00} was paid to XXXX XXXX County Revenue Department for my annual XXXX property tax bill, so it is impossible to reconcile why my escrow account must be as high as {$2900.00} from {$550.00} the previous year. 
Additionally, I am asking for an explanation over the " ESC REFUND '' indicated at the XX/XX/XXXX line of Exhibit 1 page 3, as I do not recall receiving a refund, nor was I told that any refund was applied to the principal of my mortgage. 
Hopefully, CFPB can assist me in resolving this matter so that the escrow shortage can be reduced to a reasonable amount that I can afford.

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 2019-03-26 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: AZ

Complaint narrative:
I was not notified properly that my forbearance was expiring in XXXX. I was traveling for work in NY and had all my mail forward but it is unreliable. I have specifically requested email and/or phone calls for best way to reach me. I normally receive an email that states that my payment is due, last one I received in XX/XX/XXXX. I never received anything stated my payments were do in XXXX. I did not get notifications until XXXX/XXXX. I contacted XXXX in XXXX to put my accounts back on forbearance and specifically asked the representative if my account was not in arrears. He told me that my account was in good standing and that my accounts were not in over 30, 60, or 90 days old. I was never aware that my account was sent to credit agencies for reporting late payments. XXXX has done this to me over 3 years and they refused to remove it and cost me damages. I have worked very hard to keep my accounts current since then and have never had any over 90 days late. The one time they did not properly notify me they reported my accounts in XX/XX/XXXX. I contacted them today XX/XX/XXXX and they never take accountability and reminded them of the multiple lawsuits against them. I wanted to make sure that XXXX Manager in PA review my phone call back in XX/XX/XXXX when I was improperly informed about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: FL

Complaint narrative:
Received call from NPAS from XXXX ( XXXX XXXX XXXX claiming they represent XXXX XXXX   Hospital to collect a medical debt. I ask for verification and validation and attendant became very abusive and interrupting, belligerent behahavior

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 2019-03-26 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: NC

Complaint narrative:
I reported identity theft the FTC on XX/XX/19 due to the Equifax breach and my FTC report number is XXXX. Both XXXX and XXXX updated their files to remove the fraudulent information but Equifax refuses to do so. I called them no less than 5 times during business hours to get an update on my dispute since I have been having difficulties accessing this information online. I was asked to read my ENTIRE credit report to them and still was not verified because I answered the information incorrectly. How is it possible to not get any answer correct and I read everything off of my credit report? I literally jumped through hoops and still did not get a status. The fraudulent information still remains on the credit report even though it has been removed from XXXX  and XXXX XXXX records. The ironic part is the identity theft is a result of Equifax 's data breach!!!! I have read so many negative reviews regarding this company. Their customer service is outsoucred to a country with a clear language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CO

Complaint narrative:
XXXX is reporting incorrectly to Equifax and XXXX that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was XXXX at this time ( copies of orders attached ).  Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MA

Complaint narrative:
I had student loans through XXXX, which is a loan servicer for the Department of Education. I paid off the loans in full through their website, but this did not cancel my regular monthly payment, as one might've hoped, so that went through and they were overpaid by {$570.00}. I called XXXX about this and the first person I talked to said he would put the refund through right away and made it sound like I'd be receiving it shortly. But when I didn't see it after a week, I called again to ensure it had been processed and the new representative told me it takes 7-10 days on their end to process and then up to 45 days to process via the U.S. Department of the Treasury. It seems really offensively inefficient that after paying off these loans without issue for years that they would now keep XXXX {$600.00} of my money for such a long period of time. I would not be allowed such a courtesy if the roles were reversed and {$600.00} is nothing to sneeze at. I want to know why it takes such an extremely long period of time to refund such a substantial sum of money to me? If I were to take my sweet time paying my loans you would not be quite so patient with me so I don't see how this is just or fair. Am I allowed to charge you interest until you pay my money back? No. So I'm not understanding why the processing time is so unreasonable and no one at the business was able to answer my questions about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I keep receiving calls from the office of XXXX and XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.

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 2019-03-26 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: FL

Complaint narrative:
On or aboutXX/XX/2018, I discovered a fraudulent charge on my XXXX XXXX  Master Card, with Synchrony Bank. I quickly notified the Fraud Dept, at the Bank. 
They cancelled my card promising to promptly open a new account, bring all charges and credits forward to this new account and issue new cards. 
In XXXX of each year, Synchrony issues a check for the past year 's Rewards. 
My last statement on the closed account listed the 2018 Rewards as {$650.00}. 
When the first statement of the new account came, it listed XXXX rewards balance. As of today, I have never received the new Cards nor have I received the {$650.00} Rewards funds. 
I continue to receive statements of the new account with a proper credit, [ From a returned product ], of {$170.00} Without Cards I have NO charges! 

Many calls to Synchrony have NOT resulted in any action, NO Rewards check, NO cards and NO refund of the {$170.00}. I receive promises, buy NO Action! 
Please assist me in obtaining the above funds from Synchrony Bank, XXXX, FL

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 2019-03-26 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: CO

Complaint narrative:
XXXX is reporting incorrectly to XXXX  and Transunion that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was deployed at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.

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 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
on XX/XX/2018 i mailed a check # XXXX in the amount of {$14000.00} to santander consumer usa to satisfy an auto loan. i discovered later that the loan had been satisfied last XXXX. instead of returning my check, it was deposited to XXXX XXXX santander on XX/XX/2018. repeated attempts to get our money returned have been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is not a complaint yet. But my mortgage is due to be transfered from Citimortgage to XXXX XXXX for " mortgage servicing ''. None of the reviews I read give this company a good rating. Their stories are nightmares of multiple deliveries of documents that are never received, no delinquency in payments yet the mortgage holder reported to credit agency for late payments, money taken unauthorized from bank accounts the list is long and absolutely frightening. This is made more so by their inability to correct their situation. I am about to become one of their cash cows!! I can't say customer because that will be Citimortgage. They are the one to be kept happy not me. I am feeling powerless already. 
XXXX XXXX for President????????

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 2019-03-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX XXXX XXXX XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX   XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.

Company response to consumer: Closed with explanation