vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I visited XXXX XXXX store to purchase a gift for my girlfriend. Since I never received my card in the mail and didnt have any information about my account, the cashier told me to provide a form of ID and she could locate my account. I informed the cashier that I really need access to my account and a card re-mailed because I never received one. She phone customer service on my behalf and after I verified my account, I was told a new card would be mailed. I am a XXXX XXXX XXXX who works in Texas but lives in Florida. I only go home to Florida every six weeks. So, im constantly checking my mail and gathering everything to bring it back to Texas with me. However, a new XXXX card never arrived neither did a paper bill. After not hearing from them via postal mail, I finally received a call from XXXX XXXX XXXX about my unpaid bill. I explained again to the rep that a card has never arrived in the mail and I had no account information even after I had already gone inside a store and told the cashier the same information. The rep took my payment via phone and the account was brought to {$0.00}. I checked my credit report last week and noticed they reported a late payment ( 30 days late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX  '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX  merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal has not posted my deposits. Their lines are down and social media states the problem is fixed. Meanwhile I am missing XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union failed to deposit every members pay and it was late by about 2 days. They said they would work hard to fix the issue and that it would not happen again. Now here on XX/XX/XXXX they are still not posting THOUSANDS of peoples pay on time including many active duty members. I think its an attempt to get time for whatever financial obligations they have. Some of us live on tight budgets. My rent was late and will be late again thanks to Navy Federal Credit Union. I will be leaving but please get mine and others money. Many people do not have their pay checks still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX Collections representative XXXX contacted my tenant and stated that she was trying to reach me about a debt I owe American Express. She breached my right of privacy under Federal and State Law by sharing with my tenant the outstanding balance owed and that she was a debt collector trying to collect a debt. She instructed my tenant to have me call her at XXXX XXXX XXXX XXXX, ext. XXXX. This occurred on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Received a letter in XX/XX/XXXX from Source Receivables Management to pay them for an alleged debt owed to XXXX. I have no direct contract with Source Receivables Management and sent them a letter on XX/XX/XXXX asking for validation including a copy of the agreement that grants them the authority to collect this, any insurance claims that may have been made by the creditor, verification that this alleged debt was assigned or sold to the collector, and any commission they may receive. I received copies of old XXXX contracts and a copy of an old statement but none of these other items. 
I sent a follow up letter on XX/XX/XXXX stating they did not provide all the requested documentation and need to cease and desist collection efforts including reporting since it had not been reported or completely validated and no longer communicate with me or send mail about this alleged unvalidated debt. 
Since then I received a letter asking for payment on this alleged debt. 
Finally on XX/XX/XXXX I received notification that this has now been listed as a negative report on my credit report. 
Copies of both letters attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
We had tornado damage to our house, XX/XX/XXXX & we sent our insurance check to Ditech Financial,  mortgage holder. We are asking for the final amount {$1600.00}, to be released. 
I have been in constant contact with Ditech Financial via phone & emails since I mailed our insurance checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
To whom it may concern I want to raise this compliant to American Express Membership Reward program. I will need help to lift the freezing account so I can transfer my points. 
I were trying to transfer my American Express membership reward points to my two authorized user linked to my account ( employees, redeem points for Company travel. ) I was able to transfer points to first account. However, yesterday, XX/XX/2019 I tried to transfer second account, the website give me error. code # XXXX. Contact AMEX staff online chat, they ask me to call Membership reward program. Called the reward program and then they ask me to talk to Fraud department. This morning, XX/XX/2019, called fraud department and clear my identity, they send me back to Membership reward program. Staff in the reward program still have trouble to transfer my points. According to what he tell me, my account is under review. My account is currently freeze for any transfer points. It is very frustrated. All my points are ligament and through normal purchase. 

Thank you very much. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Succinctly, since I am providing a Word document with all relevant details, PNC 's system did not credit my payments correctly which caused the system to think that I was delinquent. After numerous phone calls, voicemails, and attempts PNC has corrected the system but they damaged my credit report by reporting in the month of XXXX that I was late 30 days and had an incorrect balance. I submitted a dispute with XXXX and in XXXX the late reporting was gone and the balance was correctly updated however, XXXX has not been updated which has damaged my credit rating. 
I am not sure why PNC 's system was incorrect and no one at PNC could tell me either. However, they must have noticed something as they corrected it behind the scenes without speaking to me. 
The Word document attached shows the numerous phone calls, dates, and actions/inactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX USAA entered into an agreement to pay affected customers a restitution of {$180.00}. We are now 6 weeks past this initial notification date and no attempt to render payment has been made. This is continued abuse by USAA and I believe renders them non-compliant in their agreement. I am asking CFPB to issue additional relief and advocate on my behalf to enforce the settlement in a far more reasonable and timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a XXXX card - Synchrony bank is the financial institution that is the holder of the payments - I have tried repeatedly to get a paper copy of my bill from Synchrony bank re : payments made to the XXXX   account. 

Just made a phone call to Synchrony bank to request a paper copy of the bill generated from their company to see what is owned on the XXXX account. Gave me the famous round about way all I owe is $ XXXX.and change. I asked the Customer Service rep to give me the FULL AMOUNT owed on this card. I paid off the Synchrony Bank account for XXXX in XX/XX/2019 - All I want is the bottom line of what I owe to this Bank and then be done with them - this bank is very difficult to deal with - the bank controls most of the finances connected with Clothing and furniture stores. All I want is the final balance and then b done. I have not ordered anything from XXXX for several months. I want to see for myself what I am being charged with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I closed my XXXX account in XX/XX/2015 because I moved out of the XXXX. The last bill was paid in full and I was NOT under contract. XXXX claims I owe them {$130.00} but they did not end the service when I requested. As I was living in XXXX and had a XXXX mobile plan, there is NO use on the account for the dates they claim I still had the service. 
My last payment to XXXX was on XX/XX/2015 for {$160.00}. That left my balance at XXXX. I cancelled the service on the same exact day and also moved to XXXX on that day. 

Here is the information for my XXXX account : account number ending in # 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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Our direct deposit of {$980.00} on XX/XX/2019 has not been deposited into our navy federal account. The bank is saying the funds are there via post on XXXX and their bank website but ourselves and many others are still not seeing our direct deposits and are getting declined. We all our collecting over draft charges and cant pay our bills because of this. They say the money is now there but it is still not regardless on their post that everything is fixed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brennan & Clark, Ltd., LLC
State: NJ

Complaint narrative:
We explained to the debt collector that this matter has already been resolved with XXXX XXXX ( vendor ), and a copy of the check that was paid has been provided to the insurance company. No balance is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Bank is having issues and not depositing our bank account. Hundreds of people are having the same issues. Accts are going into the negative and were paying the charges for it. Not fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
We previously filed a complaint on this site requesting that Fifth Third Bank accept the short sale offer we had on our home. This was back in XX/XX/XXXX! Instead we have been caught in retention option XXXX. I have written emails to XXXX XXXX ( COO ) ; XXXX XXXX ( COB & CEO ) ; XXXX XXXX ( CFO ) and XXXX XXXX. The ONLY response I EVER received was from clerks who had no authority or power to make a REAL decision on our request. I was told this week by yet another clerk that my hardship application was discarded because the bank wants us to accept their retention proposal. We are NOT in the position to continue to pay this mortgage. Over this 10 year history we tried 8 times to refinance this mortgage. If they would have offered a serious retention option even 5 years ago we wouldnt be in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding LLC was awarded a judgement against me ( XXXX County Court/NJ Docket # XXXX ). The judgement was from a debt back in XX/XX/XXXX, I satisfied this debt in accordance with said judgement in XX/XX/XXXX. I moved shortly thereafter and the address on file ( XXXX XXXX XXXX XXXX NJ ) was outdated. There was no mail correspondence forwarded to my new primary residence ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) so I never received the documentation ( Warrant of Release ) required by law in order to file with the court to have this judgment reflect " satisfied/closed ''. I am in the process of getting final approval for a mortgage and need to correct the status of the judgement in question with the court prior to closing. I have reached out multiple times to Midland Funding LLC and have received varying answers from " they show it was mailed '', " they do not provide copies '', " in my state they don't file the warrant with the court that the debtor has to '', and " they did what they had to do with the court ''. The last one is inaccurate because my last call was to the actual court and they informed me Midland Funding did not in fact file any warrant with the court in regards to the judgement being satisfied. I find it extremely unprofessional that nobody is on the same page and can not provide proper guidance and required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. 

THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. 

Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. 

Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC  Financial Services Group XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
XX/XX/XXXX To Whom it May Concern, In the fall of XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX  XXXX XXXX   ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XXXX of XXXX. I continued to pay it all throughout XXXX ( 12 months ), and noticed that in XXXX of XXXX, the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a XXXX payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my XXXX repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. 

I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. 

I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. 

Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Financial is stonewalling my modification process. They are using tactics like saying they can not find my authorizations for 3rd party to speak on behalf of me. Also, the customer service put me on hold for an hour ( XXXX XXXX ) and never came back, hung up on me when i called back to complain ( XXXX XXXX ), and then the manager ( XXXX XXXX ) yelled at me and hung up.

All I was trying to do was get assistance with modification but these people are not trained to do so. They are abusive to say the least and extremely combative. When I told Mr. XXXX of these actions his response was, " I can see why they are so combative ''.

Company response to consumer: Closed with explanation