vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Home Mortgage
State: GA

Complaint narrative:
I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express cheated me by lying and stealing my XXXX points! 

XXXX ; XXXX  - XXXX customer representative promised me access to my credit card points ( worth {$600.00} ) for 30 days after closing the account and the points instantly disappeared on card termination. 

I had called American Express customer service on XX/XX/XXXX regarding a late fee on my credit card ( American Express Premier Rewards Gold Card ) and requested to waive it since I hadnt used the card in a while and was not monitoring the monthly statements. Amex representative supervisor XXXX ( ID XXXX ) suggested I could close the account and they would waive the membership fee and the late fee on my account. I had around 64K points ( I had not used any points at all ) and asked her what would happen to those points. She said I will have access to them for 30 days and even specifically mentioned XX/XX/XXXX. I liked the idea and so went ahead and closed my credit card account over the phone with her. After a few days, I noticed my late fee was still there and so I called back, this time the representative XXXX ( ID XXXX ) took care of the late fee and again confirmed saying I will have access to my points for 45 days after closing the account. I was full term pregnant at the time and I had my baby on XX/XX/XXXX and didnt bother looking into any of this until around mid-XX/XX/XXXX. At the time, I noticed that my points were gone. I immediately called them back and they transferred me to the rewards department wherein all the representatives said that you lose points as soon as you close the account. I was very shocked and disappointed that I was lied to and my points were stolen. I complained to them with several follow up calls. They eventually transferred my case to some back office department. XXXX ( badge # XXXX ) called me and explained to me that they will have to request recordings of those phone calls in which the representatives had lied to me and if it was indeed the case then they would give me a gift card worth equivalent of my points. He said he will follow up with me every 3 days to give me an update on my case. I have been waiting for over a month and they call me every 2 weeks saying that they still havent received the recordings. I really can't afford to lose {$600.00} worth of points cuz that was the reason I applied for the card in the first place. I am looking for recommendations on how I can get this resolved and if anyone has experienced this before. 

PS : I was very skeptical of the Amex customer service from the very beginning and that is the reason why I have their ID and badge numbers noted down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Recoveries, Inc.
State: WI

Complaint narrative:
I am continuing to receive calls from this company ( as recently as XX/XX/2018 at XXXX/XXXX XXXX  ). My bankruptcy discharge has already been gone through. I'm continuing to have calls ever since a " XXXX '' called XX/XX/2018 at 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 explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to 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 explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am unable to withdrawal funds from my account for the past 2 months. Coinbase is illegally holding my money. I have spoken to their customer support numerous times and there is no change to my account being locked out. Something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.

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 monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

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 2018-02-19 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?

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 monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: CA

Complaint narrative:
There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple requests.

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 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number 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 explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc.
State: CO

Complaint narrative:
I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently checked my credit and noticed my credit card XXXX/ XXXX XXXX XXXX XXXX XXXX # XXXX reporting me 30 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays as they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have stated multiple times not to call my cell phone & stated this is not my debt and i continually receive calls as well as emails pursuing this debt.

Company response to consumer: Closed with non-monetary relief