vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I believe this is scam company known as XXXX XXXX The number XXXX. They are trying to collect on a debt from many many years ago through Comenity Bank card with XXXX XXXX.They are  calling a phone number that belongs to my elderly aunt and uncle in Florida. Their number is XXXX. I have asked them to stop harassing these elderly people with phone calls. I gave them my name and number to call me directly : XXXX. They continue to call my aunt and uncle. I do not trust this debt collection agency. They will not send me anything in writing. According to this company they sent me a summons back in XX/XX/XXXX I did not receive it, my aunt and uncle did not receive. I have dealt with this company at least twice in the past. Same story : summons sent out in XX/XX/XXXX. Now they are harassing my elderly aunt and uncle and I want it stopped. Have Comenity Bank contact me directly and I will be happy to work directly with them. XXXX XXXX company also refuses to accept any small payment via a money order on a monthly basis. I have no idea how much the debt is for. I can not remember. Please help. Stop these unwanted harassing phone calls to my aunt and uncle. 

I appreciate your time and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accounts keep appearing on my credit Report that has been previously removed and or have not been validated

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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
This is not my account and they are contacting me by email CUSTOMER ID : XXXX CASE FILE # : XXXX XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings has been issued on your Docket Number XXXX - XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 
TERMS & CONDITIONS YOU AGREED. 
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 

In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home mortgage company was transferred from XXXX to NewRez doing business as ShellPoint Mortgage Servicing. Through my bank electronic service bill pay I paid on XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}, and XX/XX/XXXX {$1200.00}. The company charging me some kind of fee, they will not tell me why but for not being up to date and keep on harassing me with foreclosure when I have already had my bank forward all copies of payments and correspondence to their litigation department loss mitigation. Tried handling this matter over the phone and they continue to assert that I am not current on my payments and late. When I look on their loan website my payment history shows all the incorrect dates and is still not showing all of my payments and this is becoming a problem as they are now reporting this to the credit beauru and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Debt has previously been removed and has appeared again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent a letter to XXXX XXXX  XXXX XXXX  - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a letter to XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent a letter to XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
my loan tomorrow XXXX will be transferred to faye. i am 5 months behind and while this is not a complaint. i am very concenred that while XXXX  XXXX  the current servicer has been reviewing me for a forebearance loan mod this will get lost once it transfers to faye and a slam bam thank you maam will occur.Which is out of red tape and bureacracy Faye lending will file foreclosure. i wish to avoid this. I sent a letter on Saturday. i asked XXXX to delay transfer until my review is complete. They told me i have a chance of approval once all docs are received. i care about my obligation and do not wish this to get worse. I do this complaint since i want to avoid un needed stress and red tape. DO NOT file foreclosure please. i am prepared to pay the lender and am working to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: NY

Complaint narrative:
On XX/XX/XXXX I received an email stating that my American Airlines account was terminated. I have been unable to use my miles that were awarded to me by Citibank since XXXX with no prior notice that my account was under review. I received various credit card sign up bonuses that included American Airlines miles between XX/XX/XXXX and XX/XX/XXXX and now am unable to access both my AA account and any miles that I have previously been awarded with. This leaves me alarmed that Citibank would approve me for a credit card that included a sign up bonus with American Airlines if I can lose all of my miles without use and without prior notice. I can also no longer gain miles by using my Citibank credit card and so the offer that I applied and was approved to is no longer applicable.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of {$700.00}, {$800.00}, and {$550.00} respectively, via online banking 2 direct transfers and 1 on line bill pay from my Citizens Bank checking account to my Citizens Bank credit card ending in XXXX. On each occasion, I would check every day to see if my payments posted and they did not post but were listed on hold and not applied to my card. This continued for more than 10 days approximately 2 weeks with no explanation why the hold on my payments. The holds were only lifted and apparently applied after I called and flipped out because I was traveling and needed to make more purchases. ie. rental car, hotels etc, on the card. 
I called and ask why my payments were on hold and not posting right away. I was given no good explanation of where my money went when they withdrew it from my checking account if they did not apply to my credit card as it was intended. This is a conversion of my money. I couldve paid a different card down to use or kept the money in my account and earned interest.

On the three occasions that I made these payments, I saw the withdrawal of my cash immediately, but not the credit to my credit card. After I called and kept calling because this kept happening, they told me my payment would be applied however I never saw my balance go down the day the payments to my card were supposedly actually made by Citizens Bank. 

I am extremely frustrated because I cant tell if these payments were ever posted, and on what day the payments were posted if not on the day I made the payments, because my balance never came down on my credit card in my online banking. This is just not right to do to a person. I have never been late on a payment on my card there is no justification for any hold, Ive never heard of this happening it certainly has never happened to me before, and I think its illegal to do Im a lawyer I think its a conversion of my money that was intended for one purpose and they failed to apply it to that purpose immediately or within a reasonable time, a day or two. Where did my money go? Why weren't my payments applied right away and were put on hold for an outrageous amount of time. When I make a payment on my card I expect the payment to be applied right away or within a reasonable amount of time. This totally screwed me. I was not only out my money in my checking account but also had no room on card to charge when I was out of town. I couldve paid another card and used that card. I wrote a letter to the Office of Chairman XXXX XXXX XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VT

Complaint narrative:
For the second time in 2 years, the servicing of my mortgage has changed to another company. The servicing company is now Fay Servicing. Fay assumed the loan on XX/XX/XXXX. I attempted to reach Fay and was told I had to pursue contact through the bankruptcy dept and was given the name of XXXX XXXX as my personal account manager. I called and emailed XXXX several times over the course of a month ( emails provided ) and there was no response whatsoever. Subsequently, I called the bankruptcy dept again to complain and was able to get someone on the phone that said she was not aware of who my account manager was ; I asked to speak with the supervisor a this time. 

XXXX XXXX was the name of the supervisor provided to me. She was unavailable at the time of my call so I requested contact info on her and called and emailed her on several occasions. She did reach out on XX/XX/XXXX and left a VM. I have since tried to correspond with her and asked her to give me a short time on her calendar since she is never available when I call. This has yielded no response. 

1 ) The obvious problem is that Fay, despite trumpeting a new way of doing business responsively ( nonsense ) is unresponsive to non-responsive and I have been unable to get anyone to respond in a meaningful way such as a response to an email. 

2 ) The substance of the nature of inquiries is put forward in the emails and attachments contained within.

3 ) Briefly, I need an escrow analysis completed and have not received one yet, which well exceeds the 60 day time frame as put forth by regulatory policy. At the current level of escrow payment, including what is already credited to escrow, I would have well in advance of {$10000.00} dollars 'after ' payment of my insurance and property taxes due in XXXX. I refuse to keep paying the additional {$780.00} every month that was assessed to correct XXXX XXXX XXXX XXXX miscalculations and subsequent escrow shortage. The shortage has been reversed and I am now due a refund or crediting. I will not continue to hand Fay money that when they feel sufficiently motivated they will hand back to me. 

4 ) There are discrepancies from where the last statement from the prior service provider ( XXXX XXXX ) ended and Fay began. I have asked that this discrepancy be explained. 

5 ) I lost my job 6 months ago, but have recently been rehired. With the signing bonus I am to receive, I can bring the mortgage current. I have also been unable to communicate this point. 

I think Fay should be admonished for their genuine lack of respect and disregard for the most basic customer communication. Personal attorney in copy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Care Credit # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

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 2020-02-18 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: U.S. BANCORP
State: NJ

Complaint narrative:
I suppose to be charged {$550.00}, but a merchant ( night club & karaoke ) charged me twice of {$550.00}. I filed a claim to my credit card company but they said they are unable to assist me in resolving my dispute since merchant provide a sales receipts. 
1. I did not see the receipt that night. 
2. I did not sign the credit card receipts and this is my signature ( credit card company knows this is not my signature, but they said it is not a matter ) 3. I was trying to resolve this dispute with merchant, but they have not responded. 
4. Cardmember services refuse to further assist me because VISA does not allow to investigate this case since merchant provide a receipt.

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 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Contacted Military Star at number listed on statement ( XXXX ) to inform them that the online portal was not allowing me to submit payment. The representative informed me that this function will continue to be disabled until I make six consecutive payments. Military Star has sent letters to my Commander in the past and on the statement dated XXXX XX/XX/XXXX threatens to do so again : " If the payment is not received by the due date, we may request involuntary collection for the maximum deduction allowable from either your Military, Retired or Civilian pay in accordance with applicable law. Prior to involuntary collection, we are required to notify your Unit Commander. To prevent a notice, you must pay the past due balance on or before XXXX XX/XX/XXXX. If you are separating from the Military, we  may collect any remaining portion of the debt from your final pay and allowances. '' XXXX XXXX XXXX XXXX used these same practices and was held responsible in XX/XX/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 2020-02-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

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 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

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