vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On XX/XX/2020 I requested my loan note from Loan Depot. They said 3-4 business days for a fax and 5-7 business days via mail. I requested both just in case one failed to happen. I waited the 7 business days before calling and trying to request again. I have continued to call and have even emailed the original loan officer with no resolution. I dont take this lightly as I am trying to refinance my home with a significant saving and this is preventing me from doing so. This is very unprofessional as they are just sending a copy of an already processed loan. Being XXXX XXXX military I dont have the time to continue to ask a company for the same document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CITY NATIONAL BANK
State: GA

Complaint narrative:
I believe the travel concierge department who handles points redemption for travel owes me XXXX Points. They did not allow me to rebook a flight, in accordance with XXXX XXXX change policy, and forced me to pay for it again with points. Let me explain : XX/XX/XXXX Booked an itinerary Trip ID XXXX on the Travel Portal below XXXX  -- >JFK XX/XX/XXXX XXXX -- XXXX XXXX  XX/XX/XXXX XXXX Points XX/XX/XXXX 8 days prior to departure, I called to change the itinerary, where I would be traveling only one segment of the itinerary XXXX  -- >XXXX  on XX/XX/XXXX. The outbound flight ( XXXX -- >XXXX  ) would be cancelled and a XXXX travel bank credit would be issued for half of the itinerary. This is current XXXX policy found at XXXX XXXX XXXX This states that for voluntary flight cancellations there is no cancellation fees and the fare is issued as a XXXX XXXX XXXX credit. 

I then tried to use the travel bank credit through the travel portal to book a flight for my wife on XX/XX/XXXX. I was told that I am not allowed to book a flight using the travel voucher because it can only be done under my name. I discussed with that that according to official XXXX policy, I can use the XXXX XXXX credit for anyone I like. As per the official policy, " The name on the account does not need to match the name of the traveler ''. See screenshot below. 

Despite citing the official XXXX policy, I was denied the use of the XXXX XXXX Voucher for my wife. Instead, I was forced to book a separate flight for her using my existing points balance. 

XX/XX/XXXX Forced to pay for a new XXXX flight using XXXX Points Trip ID : XXXX XX/XX/XXXX XXXX XXXX XXXX -- XXXX XXXX  for my wife I was told that since I used the XXXX XXXX XXXX portal, I would have to suffer with a more restrictive cancellation policy than what is available by directly booking with the airline. In fact, I did call XXXX directly and they informed me that if I had made the itinerary change directly through XXXX, I would not have incurred any additional points or fees. I do not think that this is fair and I would for the travel concierge to credit my account with the XXXX points that I didn't need to spend to book my wife 's XXXX flight on XX/XX/XXXX Thanks and I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Select Port Folio. Received in the mail letter from the foreclosure attorney stating they were accelerating my loan. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The company is Comenity Bank for XXXX XXXX. I with my mother, the owner of the account reached out to make amends for a missed payment while she was hospitalized. We expressed our wish to pay the account in full and close the account. The rep gave me a reduction in late fee of {$15.00} and gave a balance due of {$50.00}. He then closed out the account. I mailed the check and it was cashed on XX/XX/XXXX. My mother remained in a rehab facility out of her home state until XX/XX/XXXX at which time she moved into NJ. Twice an address forwarding form was completed. both by mail and online, and the postmaster general was contacted, however she received no forwarded mail. Forward to XXXX XXXX and she has received multiple phone calls that she owes {$340.00} to Comenity Bank in late fees and finance charges. No paper statements or verification of debt was sent. No appraisal of right to dispute was received. She was intimidated on the phone with being sent to collections if she didn't pay over the phone. Several attempts were made by my sister and myself to dispute the validity of charges and refund her money. I explained twice that the fees were excessive and violated the CARD act of XXXX because the late fee exceeded the minimum payment, twice I was told that's not true and doesn't exist. Furthermore no statements are available to review online past XXXX. There are just transactions for a minimum finance charge of {$2.00} and late fees of {$35.00} and up. We in good faith tried to rectify this in XXXX for a jacket that originally cost {$36.00}. We will agree to pay the last late fee that was charged in the XXXX statement and wish to get a refund of {$89.00} that she was intimidated into paying over the phone. Senior citizens shouldn't be subjected to these bullying tactics over the phone, nor should any citizen be prey to deceptive and abusive charges at the mercy of these banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.

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 2020-10-30 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: GA

Complaint narrative:
I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.

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 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: TX

Complaint narrative:
i have disputed this account and they haven't been able to verify the debt is mine and they are reporting this inaccurate and unverified debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-30 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: TX

Complaint narrative:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX a total of {$9400.00} was withdrawn from my Checking Account using the banking application " XXXX ''. These transactions were not authorized by me and during the period I did not have a XXXX account. It appears that my account information was breached and used to create a bogus XXXX account which in turn was used to steal money from my account. During this period I was not aware of these transactions as I did not know how to access my account activity online and I was not receiving paper statements. I contacted Citizens Bank and filed a fraud claim and was twice notified that they found " no fraud ''. I am seeking re-crediting of the monies stolen out of my account and Citizens bank has refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2020, Navy federal Credit Union closed my credit card after 4 years. I had perfect payment history for the 4 years the account was opened. I contacted the credit union in regards to their decision to not reissue the card once it expired in XXXX asking them why such a decision was made. I explained to them that I am in the process of purchasing a home and that this action would effect me adversely by reflecting negatively on my credit report. I checked my score today and it dropped 38 points. I was devastated because I know this will prevent me from obtaining the loan and interest rate that I need. I requested an investigation by the credit department and I was told that it was their right and decision to not reissue cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Mr. Cooper several times. Received in the mail letters from Mr. Cooper turning down my mortgage assistance request several times. Mr. Cooper is difficult to work with and refuses to assist me with my mortgage. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Loan Number : XXXX Address of the property XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX It has been more than 5 months waiting for the short sale to be approved. Very frustrated Mr. Cooper various requested for the same documents that I already made. I want mr. cooper approves my short sale and move forwards. Stop requesting veriouse documetns while i have already submited. I think short sale fraud/scam involves. Mr. Cooper do not approve short sales for a reason. I will wait and see who Mr. Cooper wants to sell this home to. The buyer will not let Mr. Coooper gets a way with murder. I smell like a lawsuite APPROVE my short sales please, APPROVE my short sales please, APPROVE my short sale please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have been getting repeated calls from Credence for a bill and also from XXXX XXXX. These calls are occurring multiple times a day and they are hot leaving a message. Credence called twice in a two-minute period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group
State: ND

Complaint narrative:
Ascendium send notice. I do not know who they are. XXXX did not notify me of change. I have written XXXX over and over on deferment forms and they never responded to my letter or notes. I gave up. I do not have phone to call. They failed to correct payments that I did make. They did not accept emails either. According to Trump has deferred interest and payment until end of year. Ascendium says I owe at 6.8 % interest XXXX and XXXX plus XXXX collection costs for total XXXX by XX/XX/20. This company in following Fair Credit laws. Unfortunately, I do have that kind of money trying to just survive. 
Ascendium failed to provide a reasonable payment plan or deferment until it is affordable to pay. 
This organization is using a threatening and pushy tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
IC Systems didn't send me a validation of the debt

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 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
this account is reporting under different names but same account they have not been able to verify this debt but reporting to credit bureaus that is right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Paypal Holdings, Inc
State: NE

Complaint narrative:
I used PayPal to purchase an annual subscription to XXXX in transaction ID XXXX for {$60.00} to XXXX for XXXX XXXX. I reached out to the seller who said they updated their application on my XXXX XXXX. and due to a technical issue on their end my account could no longer be accessed. In an email, which I shared with PayPal, they advised me to cancel and start over. On XX/XX/2020 I opened dispute Case ID : XXXX for Item not received. 

Since then I have had numerous phone conversations with PayPal and been repeated asked for supporting information as the buyer which I have provided. The seller has not been asked to provide information or respond to the case. This is clearly an item not received dispute which should have resulted in a full refund as advertised by the seller and with no seller response to the Case. This has gone way beyond any reasonable timeframe for a refund and I fully expect PayPal to comply with the seller 's instructions to me and cancel the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was expecting my unemployment edd card from BANK OF AMERICA. At the time my neighborhood was expecting mail theft. So called the bank yo get a estimate on when I would receive my card.I was told that the card was already sent out. I stated that I hadn't received the card. I was then told not to worry they would send me another card expedited service. 2 days later I received my card. After I activated it the recording said my balance was XXXX. My card was suppose to have a little over XXXX on it, I explained this to the customer service. I was told that I would receive a call back .That was on the XXXX of XXXX. I called back 3 days later and explained again my situation again i was told I would receive a call back. Never got a call back so I called back around a week later after a XXXX XXXX hour wait time I was connected to the claim dept. and after I again explained my problem she looked over my account and said there was XXXX dollars in charges. She told me to fax in a statement saying that I never received my card and that I didn't make any of those charges, and that I was not in the State of Texas using my atm card. I did so the followin morning. After 3 more days of waiting for a responce wich then made it 19 days from my first call i called again and didnt get no information on my claim. im getting no calls back from them either,

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