vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a Kohl 's capital one credit card in XX/XX/XXXX. I used it one time on XX/XX/XXXX for a purchase of {$79.00}. I never received a billing statement or a phone call until XX/XX/XXXX. When I received this phone call, I made a payment of {$50.00} immediately over the phone that day and paid the card off completely with a {$100.00} payment on XX/XX/XXXX. While applying for a mortgage loan in XX/XX/XXXX, I discovered I had two late payments on my credit report from Kohl 's. A 30 day late on XX/XX/XXXX, and a 60 day late reported on XX/XX/XXXX. I contacted Kohl 's and explained that I had not received any sort of statement, and I also had not received my Kohl 's card on XX/XX/XXXX, I was told by a customer service representative that he spoke to their manager and " there was nothing they could do. '' I sent a letter to the main Kohl 's office that same day and never heard anything in return. These late payments dropped my credit score 160 points and has prevented me from getting a mortgage. If I had received a bill in the mail or a phone call before XX/XX/XXXX, I would have paid the bill immediately. I have never been late for any other payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I had a settlement for an account with a creditor in XX/XX/2018 and made one payment in XX/XX/XXXX and the next 2 payments were due on XX/XX/XXXX and XX/XX/XXXX. I called to make XX/XX/XXXX 's payment and was told the account was written off by error. I was told it would be reinstated within 48 hours and to call back. When I called back on XX/XX/XXXX I was advised that I had to mail the payments in. I received a letter in the mail XX/XX/2018 from a collection agency trying to collect on this account that has been charged off. I also noticed on XX/XX/XXXX that the charge off was on my credit report. I am confused concerning what my rights are in this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
My complaint is two fold. The fee I was erroneously charged and the magnitude of difficulty involved to reach a customer service rep to remedy the wrongly assessed fee. I was charged a {$1.00} fee. I have two transactions on this card. One is a ongoing balance transfer on 0 % APR through XX/XX/2019. The other was a regular purchase done on XX/XX/XXXX on my current stmt due XX/XX/XXXX. After having difficulty with the automated system to reach a cust svc rep, the system gave me two choices. Get called back in 2 hours or hold for 2 hours. I opted to hold. I held the line for 3 hours until I finally got a rep oh the line, who proceeded to give me false info for why the fee wascorrect. It's only because I am knowledgeable about the methods for how interest and fees are assessed and how to avoid them that I was able to cut through the obvious lies I was being told to substantiate the fee. The rep finally admitted I was correct that I shouldn't have been charged the {$1.00} fee. He then said what would you like me to do. I told him, his name was XXXX ... credit back the fee to my account. He did and seemed annoyed that he'd have to do this. This entire process underscores a seemingly deceptive practice by BOA, Bank of America, to wrongly charge a fee low enough that most consumers wont bother to spend the time to follow up on it, and then another deceptive practice to make discussing it with a rep so difficult and time consuming, they give up and then for those like myself who ride out the 3 hour hold time, another deceptive practice of training their reps to give knowingly false info to justify the fee. The rep absolutely lied to me three times, giving me false information to tell me why the fee was correct. I am confident most consumers lack the knowledge needed to be able to tell the rep why what they're being told is wrong or not applicable in theirsituation. While the fee incorrectly charged was nominal, if the deceptive practices I described are done en mass, this becomes a mass scale fraudulent practice to collect revenues not due to BOA. It is beyond unacceptable to have to hold for 3 hours to get a customer service rep on the phone. Its some to get the consumer to give up and let BOA just keep the {$1.00}. I was further aggrieved to be lied to over it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
Due to the change in the tax laws, we prepaid the first installment of our property tax bill in XX/XX/XXXX that was due in XX/XX/XXXX. We instructed our servicer, Arvest Central Mortgage Company, not to pay the first installment of the property tax bill. They followed our requests. Because we paid the property tax bill with our own funds rather than through out escrow, Arvest performed an escrow analysis and refunded amounts that were not needed. Our escrow balance was about {$5000.00}, but they refunded us about {$6500.00}, which brought our escrow into a deficit position. We brought this to their attention and told them that it made no sense and that there would not be enough money in the escrow once our second property tax bill became due in XX/XX/XXXX. Arvest told us that they were looking at a " different view of our escrow balance '' that showed the balance at about {$8100.00}, which is why they refunded us the {$6500.00}. I can not see our escrow balance as ever being {$8100.00}, so it is concerning that Arvest is seeing a different balance internally than what they are showing the borrower. It is now XX/XX/XXXX and our property tax bill in the amount of about {$4000.00} is due XX/XX/XXXX and Arvest can not explain to me how our escrow analysis works - it makes absolutely no sense and is very concerning since they are handling the direction of our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of an outstanding debt related to a fraudulent account established with SYNCB/XXXX XXXX in the amount of collection is {$6300.00} dollars. An official dispute of this account was sent to SYNCB/XXXX XXXX   XX/XX/2018 however as of this date SYNCB/XXXX XXXX has not replied or responded to the dispute which is a violation of the FCRA.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My checking account was closed by US Bank end of XXXX. I have around {$12000.00} in my checking account when my account was closed. I contacted US Bank multiple times to give the money back to me.They referred me to the branch manager who originally opened my account. I contacted the branch manager, but he barely responded. I went into the US Bank XXXX branch multiple times and finally got chance to talk to the branch manager XXXX XXXX. His attitude was very unprofessional. He simply told me he will hold my money for three months. Now it has been over three months, I contacted him again to get my money back, but he never responded to my email or phone. It was very bad experiences and really need to file a complaint towards this US Bank branch and this manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: TX

Complaint narrative:
I was notified that a.. MORTGAGE CREDIT INQUIRY had been run, Without my knowledge or permission. 


Date : XX/XX/2018 XXXX, XXXX, and XXXX XXXX : XXXX XXXX XXXX Via XXXX/ XXXX XXXX XXXX XXXX. , XXXX, PA XXXX / ( XXXX ) XXXX My Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2017 I sent a XXXX payment for {$1100.00} to my landlord through my bank fifth third. A week later my land lord asked for a late payment as they never received the amount. For almost 1 year I have been chasing this down with my bank and XXXX to find my funds as my bank only tells me they have been " delivered ''. They were never sent to my land lord and I have not been able to locate these funds. My bank only tells me that they can't do anything else as they as showing that in their system even though no one has t he funds. I opened numerous cases with no resolution and my bank finally said they had to close the cases because of FDIC regulations This has gone on for so long and I really need to find my funds! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: IN

Complaint narrative:
On XX/XX/2018 I received a notice from this agency regarding a debt I have no record of. I sent a certified letter requesting the validation of the debt on this date. I never received any notification in writing from this company as to proving the debt owed. I sent a follow up request via certified mail XX/XX/2018 again asking for the validation sent in writing to the address provided and also advised this company I am a victim of ID theft and have filed a notification with the FTC and also asked that the debt be disputed. I have now received a notification that this third party agency erroneously reported this debt to my credit report which is a direct violation of my consumer rights. I have not received any paperwork proving this debt is mine. This needs to be removed from my credit until paperwork is sent to me to validate this account is mine. I have begun to pursue legal action as I have done my part as a consumer to get this account handled under the word of the law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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:
I contacted Transunion customer service because I have been a VICTIM of their inquiry issue would not help and take care of the negative inquiries reporting to your credit report. 


XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from 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 2018-07-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received the American Express XXXX XXXX card in XX/XX/XXXX. Part of the promotion was that I would receive a free weekend night certificate to use at any hilton hotel upon payment of the annual fee after holding the card for 1 year. At some point in XXXX Amex had a brand change where they automatically changed all Amex XXXX XXXX cards to Amex XXXX XXXX cards. This rebrand included new terms where consumers now needed to spend over {$15000.00} to receive a free weekend night at a XXXX XXXX. These WERE NOT the conditions to receive the free weekend night when I applied for the XXXX XXXX. 

I have held the ( former ) XXXX XXXX card for over 1 year and paid the annual fee. After repeated attempts to work with Amex to grant me the free weekend night certificate, I have not yet received the certificate. I have acted in good faith and fulfilled all of my obligations under the credit card agreement that I signed up for. I want Amex to honor their obligations and provide me the certificate as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, XX/XX/2018 My complaint is against Fay Servicing as they were assigned my Mortgage while I feel behind during my divorce. I had file a complaint in XX/XX/XXXX ( XXXX ) regarding a lien that was placed on my property for unpaid utilities and XXXX  quarter taxes, in their response to that complaint they stated that it was for utilities alone and that they werent responsible for those which is true however there was also the XXXX  quarter taxes in that lien for which I borrowed the money from my employer to pay this lien on XX/XX/2018 ( see documents ). I called my case manager XXXX XXXX and explained all this to him but he stated they paid the taxes. I then went to the XXXX City tax off ice and spoke to XXXX, the tax collector and he printed everything out for me for which I had sent to my case manager and called to follow up but he never called me back. The only thing that was resolved from that first complaint was that they did grant me a temporary mortgage modification agreement for which I agreed to accept. I am still waiting for the credit ( {$1000.00} ) to apply to my account for the taxes I paid however my case manager XXXX XXXX stated via phone this morning that they are not going to refund me that money as there is no shortage on my escrow account however my mortgage includes the insurance and tax payment therefore I am paying paying them twice, once to the city on XX/XX/XXXX and again in my mortgage payments. I also never received and explanation as to where the {$47000.00} they received from the XXXX went toward my account as it appears there is still a forebearance showing on my account and that money issued to them in XX/XX/XXXX. shouldve covered and past due payments, taxes or fees to my account when I feel behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation
State: MD

Complaint narrative:
I check my credit at least twice a week due to identity theft last year. I noticed that a company called XXXX XXXX XXXX had an inquiry on my XXXX file dated XX/XX/XXXX. I called the company to ask them why they pulled my credit without my permission and they stated that they have a right to pull my credit because of a debt that I owed. I told them that I'm not aware of any bad debt and I have never received any information regarding the issue. They stated that they sent my information which is not true. I told them that they have violated my consumer rights and they have no right to pull my credit without my consent. I should be given the right to challenge and have them verify all information and resolve the issue there is absolutely no reason for this company to violate the protocol of a consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Under FEMA guidelines for mortgage assistance moratorium, I was entitled to, and applied for, a 3 month mortgage forebearance due to Hurricane Irmas effects in my state of Florida. I spoke with an SPS rep in XX/XX/XXXX about the forebearance and was given word to stop payments and to call again in mid XX/XX/XXXX for further information. I did not make mortgage payments for the months of XX/XX/XXXX through XX/XX/XXXX. 

In XX/XX/XXXX SPS informed me that I would be responsible to repay those three months as a balloon payment in XX/XX/XXXX. The balloon payment obviously defeated the spirit and purpose of the moratorium, was not a reasonable solution, and was therefore not acceptable, so SPS offered a modification plan as another option, which I accepted. I filled out the required paperwork, and followed all instructions. 

By XX/XX/XXXX, however, I still had received no instruction from SPS as to how much to pay, so I sent in a check for the prior amount I had been paying on the original mortgage ( deposited by SPS XX/XX/XXXX - {$470.00} ). Note : This check is the reason why, I think, that I was later reported in XX/XX/XXXX as a 60 day delinquency ( see below ) instead of 90 days. 

Later that month I learned that the modification plan had reduced the monthly payment, so the next check I sent was for the new amount ( deposited XX/XX/XXXX - {$390.00} ). 

I made the following payments in subsequent months : XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} These are SPS deposit dates. 

All of these payments have been sent ( and deposited by SPS ) on a timely basis, yet SPS reported to the credit bureaus in XX/XX/XXXXthat I was 60 days delinquent, which remains a serious blotch on my credit rating. 

Their " dispute advocacy team '' - i.e., the people directly responsible for these decisions - do not allow personal contact through phone calls, and handle everything through anonymous letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation