vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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: WA

Complaint narrative:
I have a Synchrony Bank mastercard that was issued to me by Samsclub store over 10 years ago when their store was open in XXXX. The club closed in my area about 4 years ago but I kept using the master card. The creditcard has rewards similar to many other credit cards. I was given my rewards since the store was closed either by check or credited to my master card. 
In XXXX of this year I got an email from Samsclub that says my rewards could be only redeemed in cash in Samsclub stores or used as a credit to buy from their store. 
Later on XX/XX/XXXX I got another email that says my rewards was ready and could be cashed or used to pay at their store. I called The Mastercard customer service on XX/XX/XXXX following this email to inform them there was no a single store in my area. I made them aware that Sams club stores were closed about 4 years ago. Hence there was no place I could go to cash it. Instead I asked them to send me a check as before or credit me to pay for my mastercard purchases. 
They told me that they could not do it now due to a change of policy. When I asked when the policy was in effect, they told me it was there. Why was I not informed about it when I was paid in the last consecutive years with a check, I do not know. Not only that, I had also made a call on XX/XX/XXXX to know about the status of my rewards. I was told by the customer service that they would send me a check sometime in XXXX of XXXX since there was no Samsclub stores in my area. The call, I believe, is in their records. 
They are not consistent with their their information. One would expect they would inform their customers of the effective date when the policy would apply. They can review their records what they told me in XX/XX/XXXX and in XX/XX/XXXX. They need also to see why they paid me for the last three years by check or credited to my master card and now they are insisting I can only use it in their store. 
I am totally unhappy with their service and I hope someone above me tells them to respect their customers and be consistent with their policy. This is not the first time I had to tell them about the closure of the store in my state. There is a disconnect between the policy makers and where their stores are located.

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I do not know Cooling and Winter LLC nor XXXX XXXX XXXX, XXXX XXXX XXXX. I requested them the proof of the debt, I owe to them. Instead of sending me the proof, they sent me forgery XXXX County court Record and moreover they attempt to steal mon

ey from my bank account. Attached : 1.
Original Writ of XXXX XXXX on XX/XX/XXXX 2. Forgery Writ of XXXX XXXX 3. Forgery Document Follow Up 4. Forgery Garnishment Filing 5. Cooling & Winter LLC Name was Reserved and Established on XX/XX/XXXX but Their name was in Writ of XXXX XXXX on XX/XX/XXXX 6. ID Theft Report 7. Request Proof of Owe : Certified Letters and was Delivered to Cooling & Winter

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 2020-02-29 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-29 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  XXXX/ XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer 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 2020-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
To Whom It may concern I have included the following a escrow Analysis statement dated XX/XX/2020. 
I currently have no shortage in escrow. 
This is what they project to happen in the year of 2020 They are demanding a XXXX payment. 
They are charging way more then the two month that is required. 

What Are Escrow Advances? 
Any time the lender has to pay for items such as taxes and insurance and there is not enough money in the escrow account ( or there is no escrow account yet ) that is an escrow advance. That advance amount becomes a recoverable item within the escrow account and the monthly payment will be adjusted to recover that over a period of time, usually one year, sometimes less depending on the amount. according to Round point mortgage i currently have no shortage in escrow. 
when i spoke to them on the phone on XXXX they said well when we pay your taxes in XX/XX/2020 we will be short. 

They don't know what the escrow is going to be if i will fight my taxes on my house because XXXX hasn't arrived yet But, my escrow payment is only recalculated once a year. That meant they are collecting in advance when the insurance payment might be lower and so might be the taxes and they haven't paid anything out on my house until XXXX according to Round point. 

The lowest amount held in escrow at any time of the year should equal two months ' escrow payment. That two month cushion is required to ensure that there are enough funds in escrow to cover potential increases in taxes or insurance premiums and is authorized by RESPA, the law governing escrow accounts.

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 2020-02-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Approximately one year ago, I noticed that the automatic payments in my accounting software did not match the information on the Citizens One Home Loans monthly mortgage statement. I could not match their escrow amount with my escrow amount which is comprised of property taxes and property insurance. I began a process of attempting to determine the property tax and property insurance components of their escrow figure, but was unable to do so. I used their on line resources, but they do not provide the detail specifying the amount of property tax and property insurance for each statement. The consequence of this is that my goal of pay additional principal each month has been thwarted and now I am not where I wish to be with the outstanding balance. This is beside the point that I still have not received the monthly breakdown I have requested. 

My first request for this breakdown was on XX/XX/2019, and was made to my loan officer, who has been very good at responding and attempting to help. In fact, he is the only one at Citizens who has been responsive. 

Since that time, I still have not received this information. 

I have spoken to their office in XXXX XXXX, VA which I was referred to. All they did was provide the exact same information that I could ( and did ) download from the Internet. More recently, I was in contact with the Rhode Island Head Office in XXXX, RI. A XXXX XXXX, who works for XXXX XXXX XXXX, Chairman and Chief Executive Officer of Citizens Financial Group , Inc.. I asked her for the breakdown information, and she refused. I asked for her to send me a letter to that effect and I would forward it to the CFPB. She said I could expect the letter in up to ten days, once it was approved. I called twice after ten days and left messages asking for the status of the letter, and asking her to call me. She did not return either of my phone calls. I then sent an email to Citizens stating that I was taking this action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer 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 2020-02-29 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: AL

Complaint narrative:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
This statement pertains to what has been deemed Fraud in the Factum by default. Vance & Huffman, LLC/XXXX XXXX XXXX XXXX Account Number : XXXX, Address ID # XXXX received an affidavit via certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX in which Vance & Huffman has refused to rebut. I specifically requested a True Bill in Commerce for proof of an amount in which I allegedly owe.I have NEVER contracted services with Vance & Huffman specifically. I advised XXXX XXXX XXXX that extending of credit is not a loan as credit is not legal tender and thus nothing of value was ever exchanged. Vance & Huffman was also advised that unauthorized selling of any promissory note I may have signed under duress with the intent to profit from said asset without my knowledge is theft and Fraudulent Concealment. I also alluded to the fact that not all material facts were disclosed to me at the creation of the alleged original debt. As of the date of this filing, Vance & Huffman has not rebutted the initial affidavit and XXXX, XXXX and XXXX have also refused to acknowledge this Fraudulent account. I filed an identity theft report via the Federal Trade Commission FTC report Number : XXXX on XX/XX/XXXX and no response has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: EdFinancial Services
State: IN

Complaint narrative:
Every month I set up to do payments manually and it still says I'm late on my payment. I set it up automatically and it never goes through. I have the payment confirmation emails to prove it. They literally are ruining my credit over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
My husband died  in XX/XX/2019 after an XXXX XXXX. He was XXXX years old and a XXXX veteran. 
I called the 800 phone number on his credit card to close the account. I requested that the reward points on the account be awarded to me. I was told that only if I paid the balance on the card would I receive the points. I requested copies of the recent bills to confirm the pending charges. The balance was paid in full. 
I made numerous phone calls over several months to learn the correct process and mailing address to make a claim for the reward points. I received incorrect and conflicting information. One letter was returned undeliverable. 
A few weeks ago, I finally received a form letter indicating that I was never eligible to receive his reward points.

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 2020-02-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been very ill, and on XXXX for many years and paid little attention to a private student loan I took out twelve years ago in California to return to school to complete my degree. For years, I did my best to make interest only payments but did not monitor my loan accounts until I recently applied for a XXXX Discharge and discovered several " impossible errors '' with Navient 's online financial records and data. After months of research I discovered that a serious error has been made in regards to a Private Student Loan I took out with Sallie Mae ( now serviced by Navient ) in the Spring/Summer of XXXX to attend XXXX XXXX XXXX in XXXX, California. Navient claims that I took out two seperate loans in the amount of {$4500.00} each but I think this is 100 % inaccurate since I attended the school only halftime both term and there is no way that Iapid {$9000.00} for three course. Navient has mailed me photocopies of what they claim to the original promissory note, however I am almost certain that the note has been altered, and was either lost and re-typed, or who knows? Impossible to believe but I can prove without any doubt that they have made other " impossible errors '' with my accounts. The promissory note has my phone number lister incorrectly two times out three times I was required to list it, and is completely blank in the section ( Section D ) that the school and the school 's financial aid were required by law to fill out. Yet there are no signatures, no names no official stamps, no loan disbursement dates on the note. The school section is 100 % BLANK. Unfortunately too many years have passed for me to check my own personal bank records to verify deposits I made during that time, so I require my entire student file from XXXX XXXX XXXX, along with a Student Ledger, and any copies of anything I may have signed 12 years ago to properly review, research and audit everything anything connected to my return to XXXX XXXX XXXX in XXXX, and the loans I am being told that I owe. HOWEVER ... despite multiple efforts by both myself and a Navient Customer Advocate to reach the school, multiple messages since XXXX of XXXX, multiple e-mails to the registrar, accounting, and the Director of Admissions ( a kind lady who knew me back in XXXX XXXX, NO ONE FROM XXXX XXXX XXXX has returned a single e-mail or phone call. I need help to reach someone at the school, anyone, who can help me get a copy of my student file and any/all loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank erroneously processed a check that was supposed to go into my Ally Invest IRA. It was a 401 ( k ) rollover check. Now they've returned my funds to me and they're in my personal checking account ( at Ally Bank ), but it looks like I could be hit with taxes ( and maybe penalties ) even if I transfer the funds into my IRA. I'm trying to get them to help me -- I've laid out steps they can take to help me show the IRS what happened -- but they're just ignoring me. 



I'm attaching a letter I submitted to Ally Bank on XX/XX/XXXX that lays out all the details.

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 2020-02-29 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: NY

Complaint narrative:
This is not my information reporting.

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 2020-02-29 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: NY

Complaint narrative:
This is not my information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, on XX/XX/XXXX, I moved in on a 12-month lease. Prior to me moving in I put a {$500.00}, deposit with the first months rent. During my stay I never was late with rent my rental history was good always on time payments. Once my 12-month lease was up I decided to move. I went to XXXX XXXX XXXX in XXXX Texas. Before I moved, I gave the proper 60-day notice to move. Before I moved, I did a complete walk thru with the property manager, on XX/XX/XXXX, which was a few days extra, I paid {$250.00} for the extra stay. XXXX XXXX XXXX received a rental verification from XXXX XXXX XXXX XXXX stating that I did not have any balance with them. Then in XX/XX/XXXX I was having a hard time getting a place to stay, even though I have stay in 3 apartments since. I was told by now apartment manager that I was in collections for money owed to XXXX XXXX XXXX XXXX, with Pro Collect and this was on my credit since XX/XX/XXXX, in the amount of {$340.00}. I never received my deposit back and never received any notice that there was a now balance after there was not with verification to my new apartments which at that time was XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX had my new address and apartment number to be able to send me any correspondences about any newfound balance that they discovered error. However, I never received one letter no phone calls or emails. When Pro Collect took over, I never received any correspondences from them at all about any new founded balance. Less than one month of me moving into my new apartments XXXX XXXX XXXX  is when Pro Collect was added to my 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