vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 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: Phoenix Financial Services LLC
State: KY

Complaint narrative:
OnXX/XX/2019 I pulled my XXXX  credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of 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 non-monetary relief
Consumer complaint received 2019-03-04 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have been trying to reach out to this credit card company about my dispute that was made back in early XX/XX/2018. The credit card is through XXXX XXXX and is issued by XXXX. XXXX handles all their customer service support and XXXX XXXX is behind the scene, with no way of reaching them. After I filed a dispute, they did not provide a provisional credit, therefore, the interest on the balance continued to increase, therefore, I ended up paying my balance. A month later they asked for additional information via mail, which I responded via mail. I have constantly been reaching out for a status and they just continued to say they were working on it until today, XX/XX/XXXX, I get an internet response on my follow up question, stating that they did not receive any additional information that was requested. It is now almost 5 months later, and I am at a loss with my money. This is {$270.00} plus the interest that had been tacked on. 

I had a trip to XXXX for XX/XX/XXXX through XX/XX/2018. We received a car from a rental company that continuously stalled on the roads during our first day of receiving it, therefore, was unable to use it. I am also going to mention that we received this car later than our requested time due to the car not being ready and shuttle pick up problems. We returned the car the next day upon their opening and was asked to wait a very long time for the new car to be provided to us. We booked the car for XX/XX/XXXX-XX/XX/XXXX. We ended up not accepting the next car due to the long wait and the wasted time that it caused us and booked through another company. Essentially, we did not get to use the car rental services at all because of this problem. I asked them for a refund and it was refused by the very rude XXXX. I am still pending status on this dispute with my credit card company until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: NJ

Complaint narrative:
Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/19. Within a week Trans Union and XXXX came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/19. XXXX processed the request and removed the account two days later. Trans Union and XXXX did not. I spoke to representatives of both companies on XX/XX/19 who told me that they never received the update from the collection agency and to file another dispute. I did so and again XXXX refused to update my account. I spoke to an XXXX representative on XX/XX/2019 who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/19 who confirmed that they did indeed send the update to XXXX  and Trans Union and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I'm unsure about why this company is calling me. They stated they were from Commonwealth Financial and asked to speak with me. Once I identified myself they asked me to confirm personal details including my SSN. I informed them that I would not disclose any personal information unless they told me why they were calling. They refused to do so. I am not familiar with this company and thus I do not know if they are calling about a debt or if this is a scam. I told them as much before they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: VA

Complaint narrative:
On Tuesday, XX/XX/XXXX I noticed a charge on my prepaid debit card for XXXX deducted from my prepaid debit card from a XXXX XXXX store. This store charged me for a phone i did not purchase and left with the merchant. I called NetSpend, who say that they credited the card. On Friday eve XX/XX/XXXX this unauthorized charge reappeared on my card, so On Saturday XX/XX/XXXX I called and explained again that this charge was not authorized, I sent them proof from my current carrier, showing that I did not authorize nor did I purchase this phone. The representative, blocked my card, without notice, and hung up on me. When I called back and requested to speak with a supervisor, three other representatives hung up on me, it took me three hours to reach a supervisor, who apologizes, and stated that the card should not have been blocked, and he rushed me another card. I got three cards that weren't active in the mail, and some snotty man in escalated billing reactivated the card they blocked that Saturday, leaving me open to this merchant. It has been over two weeks, they have not replaced my money, and are ignoring my emails regarding my dispute. They refuse to return the money withdrawn from my account or provide me a provisional 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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I spoke to a representative of the company ( XXXX, XXXX. ) to establish payment terms for Connecticut State income taxes. We agreed to the amount of {$200.00} per month. The last payment, according to the rep would be final on XX/XX/XXXX. I received a number of confusing statements with amounts that did not match the agreed terms. I called several times to ask for clarity and was told the statement had not caught up with the payments and I was up to date. On XX/XX/XXXX I contacted them again. I spoke to a representative named XXXX. When I asked him about the final payment made XX/XX/XXXX he informed me that I had an outstanding balance of {$320.00}. I asked for further clarification on was told to contact the CT IRS and provided me their contact number. I was confused by this however I contacted CT IRS on XX/XX/XXXX to review the case and they informed me that I was up to date and there was still an outstanding amount due. They indicated I owed a different amount then I was told by XXXX, XXXX. I was referred back to the collection company to resolve the issue the debt was in their hands. I called XXXX, XXXX on XX/XX/XXXX asked for XXXX and was told he was not available and someone would call back in 24 hours. I did receive a call and called XXXX on XX/XX/XXXX and asked to speak with a supervisor and was informed that none were in at this time. This was about XXXX XXXX and I informed them I expected a call within 2 hours or I would be contacting the CFPB with a complaint. I did not receive a call to date. I am confused and feel I deserve to better understand how to resolve this issue. Your help is greatly appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XX/XX/2019, we noticed that we were not able to access our HELOC account at US Bank, even though we could access our primary mortgage. Furthermore, while we received a paper mortgage statement for my primary mortgage, we never received a paper statement for the HELOC. This was a change when we refinanced 36 months ago, where we used to getting paper statements for both, as well as have on-line access to both accounts. This is important because, after refinancing, our HELOC payment changed due dates, from the first of the month ( like our mortgage ) to the XXXX of each month. This caused us to be habitually late on the HELOC mortgage, even  though we never knew we were late. The late fees were covered by us paying more than the minimum amount every month ( again, we had no idea this was even going on so didn't know we had late fees or that they were covered by overpaying ). We only identified the issue because we inquired about our adjustable rate on the HELOC, and as we spoke on the phone with customer service, they discovered we didn't have access to the HELOC account. Once they gave us access, we noticed all the late fees and that US Bank had also shut down the HELOC so we could not access the monies, which is why we set this up initially. When we asked for them to reconsider and review, we were told by the branch in XXXX, IN that they could not do anything, and that it was the responsibility of the borrower to ask for the statement if they weren't coming. We double checked with US Bank customer service and they confirmed that we were supposed to receive a paper bill, but we still are not getting them. This has not only created over a dozen late fee charges, but also affected our credit report negatively. Isn't it against the law to not send paper invoices ( when requested, up front ) and charge late fees without notification?

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX Mastercard rewards card through Synchrony Bank. They have had several issues with their rewards refund this year. I received several emails stating that my rewards would be available after I received the " blue letter '' in the mail. I received it and proceeded to my local XXXX XXXX XXXX to redeem the rewards on XX/XX/2019. I was notified at that time that my rewards were not available and to call Synchrony Bank. I called on the XX/XX/2019 and was notified at that time that there was an internal problem with their system and it would be resolved by the end of the month, but to call again to verify. I called on XX/XX/2019 to verify. The system is still broken, but they asked me what error I was getting when I tried to use the card. 

I explained to them that I simply went to the member service desk to have the reward applied as a payment on my XXXX XXXX XXXX Mastercard as it states I can do in the letter and I was told the funds are unavailable. The customer service agent then notified me that applying the funds to my Mastercard wasn't an option for me. He stated that was only for customer that didn't have a local XXXX XXXX XXXX. I reiterated that the directions for applying the refund to the card are on the letter they sent. He refused to acknowledge the information on the letter. The letter is attached to this complaint.

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IT. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX   ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX XXXX, XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I went to local branch to pay off my mortgage and they said they could not take my payment. So I called the XXXX number received a payoff amount ... bought a cashiers check for {$7.00} bucks and mailed the payment with letter to the PO Box . 
Three days later I received a second pay-off letter with a different amount. So they are returning my check because of their mistake. I called to get the new payoff, and then they charge me {$15.00} bucks to fax the payoff letter. On top of that I have to buy another cashiers check due to their error. 
I have documentation of all this if required. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My husband died in XX/XX/ 2017. About this time he started getting advertising and credit card information from XXXX XXXX XXXX. He had been ill for many years and had not even before then been in a XXXX XXXX XXXX let alone opened a credit account. They had never asked for payments. 
Today someone called from XXXX  (? ) agency seeking payments. He knew my husband had died and asked the date. When he started talking about money I hung up. I'm sure this kind of scam would have planted seeds of doubt in many widows. 
I'm am just reporting that this is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have asked mt mortgage company for an application to start the loan modification process. Caliber Home Loans is refusing to allow me to start the application process. The mortgage company will not give or accept the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: IL

Complaint narrative:
I received a personal offer from my VP at my company to apply for the Rose Gold American Express card. This promotion included XXXX points when spending {$3000.00} within the first 3 months. I applied for the card and was approved immediately on my mobile phone. I received the card on XX/XX/XXXX. 

A few months later, I had spent well over the required amount to receive the XXXX bonus points, but I did not see them in my account. I called and spoke to a representative who said : " Of course you will receive your points, it just takes time. They will hit your account on XX/XX/XXXX. The confirmation number is XXXX. '' This did not happen. I called and learned that this confirmation number didn't mean anything and could not be looked up. A representative told me that because I had cancelled a XXXX card in XX/XX/XXXX, I was no longer eligible for the bonus. In XX/XX/XXXX I relocated from a city that was a XXXX hub to XXXX ( which is not a hub ), and therefore no longer needed the card. This was 7 years ago, and at no point was I notified that I would not get this bonus when I applied for the card or when I was spending the high limit. 

I believe this is fraudulent advertising on the promotion and application, and that American Express is scraping up old, irrelevant history on my account to get out of delivering the bonus. I am also a current holder of an American Express Corporate card, so I am not a single card holder and am not consistently applying for cards just to get the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because  the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation