vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX. 
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned. 
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue. 
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX   input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products. 
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program. 


The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ).  Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. 

Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. 

The number they call from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: LA

Complaint narrative:
XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: CA

Complaint narrative:
This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. 

PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX   XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
collection company calling on my cell phone company name : XXXX and person name is : XXXX XXXX number is XXXX and using tax massage number XXXX XXXX : XXXX asking for XXXX XXXX  balance I told so many time don't call my cell phone but still calling 2 or 3 time day and today send me Tax Massage. I don't know about this account and did not verified asking for business account saying but this business being closed and can not verified any claim. 
he is harassing and abusing language. I don't give the permission to call on my cell phone ever think should be done by mail and mail only but still calling on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
in 2015 i was in a domestic XXXX situation, i had just gotten out of school. i had been going to court for a restraining order and couldnt make payments, i called for a deferment or a forbearance and i received it i was told it would back date payments that were past due. the 2 late payments are still on my loan history as of today. my records show that i didnt get my late payments removed. XXXX in the executive office sent me a email with a different last name which makes me think she never once looked over my account. i want those 2 late payments as promised removed when i selected the forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: CA

Complaint narrative:
I have contacted Equifax challenging the validity of dates for following accounts : XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX. 
The dates on the XXXX acct # XXXX are inaccurate. The date of last payment is inaccurate and the date of last activity is inaccurate. Missing date of closure and balance amount. 
The dates on XXXX XXXX XXXX XXXX acct # XXXX are inaccurate. The date of last activity is inaccurate, the date of last activity is inaccurate, the date of 30 days delinquency is inaccurate and date closed is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RD Fuller Company, LLC
State: AL

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XXXX XXXX, 2018. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( RD Fuller ) and they said that they had not attempted to contact me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against Transunion due to an account listed as XXXX XXXX was reported as closed and removed from my Transunion credit report on XX/XX/2018 and now it is being reported as open on XX/XX/2018. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( iii ) you are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA. 
I am requesting for this account to be removed from all 3 of my credit reports immediately.

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 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz of Tulsa, Inc.
State: MO

Complaint narrative:
I receive calls and voicemails regularly in which the representative does not identify who they represent and they make no effort to notify me that they are a debt collector. 
They also threaten to sue me in a state I do not live in. I'm tired of the stress caused by threats and how intimidating they continue to be. They claim to be a lawyer that will sue me but they are just collections agents who work at a lawyers office. They will not work with payments, they expect payment in full for unrealistic amounts and demand that I ask family or friends for money I was also told to cash in my 401k to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I had a {$300.00} credit card with XXXX XXXX Credit Card. I made repeated attempts to make a payment in full with XXXX XXXX via phone and online, but was told by representatives I had to speak to a specific department to make the payment. Every attempt to transfer me to that department was unsuccessful as it would continue to ring without anyone every picking up the line. When I would call the general number to speak to some else, they would state that I could only speak to the department they had tried on multiple attempts to transfer me to, land they did not have a direct line for me to reach someone. 

After multiple failed attempts to make payment with XXXX XXXX directly, they sent the account to collects with XXXX XXXX XXXX and tacked on fees resulting in a payment of {$620.00}. These are fees that I should not be charged as I did attempt to make payment on multiple occasions and was give then run around as to how to accomplish payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I leased a XXXX XXXX  XXXX and I purchased Preferred Tire Care Coverage from them through XXXX XXXX. 

Preferred Tire Care plus package On XX/XX/18 I traded in my XXXX and I was told I could get a refund on this coverage since I do not have the vehicle and I didnt use the coverage. I called XXXX 5 times and no one gets back to me regarding processing my refund. 

I want my refund for this coverage processed. 

XXXX XXXX needs to refund this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX, it was brought to my attention that Santander Bank was reporting me delinquent on two different occasions toward the end of XX/XX/XXXX. It was dropping my credit score by about 50 points. I was not delinquent and they acknowledged this in a letter to me dated XX/XX/XXXX. Problem solved after many hours of phone calls. 

They are now doing it again. This time I am not so forgiving. This is inexcusable. I called them and sent them an email. When I called, I was told that they made another error. I was not late. As a matter fact, I havent been late on anything in years. Again my credit score dropped 50 points. The problem is still not fixed. Had I not applied for a student loan refi, I would never have known about this problem. Again more hours on the phone. I am considering litigation at this point. I feel that they should compensate me for time lost taking care of these issues. I am a XXXX and have my own XXXX XXXX. I charge XXXX per hour and have spent at least 10 hours on this problem. I am sure that you get many of these but these large companies need to take customer service more seriously. 
Thank You for your time.

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 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 

I have constantly received these Robocalls for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I executed a promissory note and mortgage in favor of XXXX XXXX XXXX  in the amount of {$670000.00}. The loan was a " pay option '' ARM, whereby if the monthly payment was less than the interest-only payment, the unpaid interest would be added to the principal. If the payment was more than the interest, the excess would be applied to reduce the principal. 

The loan was ultimately acquired by XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  was the trustee, who initiated foreclosure proceedings against me after I defaulted on my payment obligations under the Note. 

In XX/XX/XXXX Nationstar Mortgage was assigned as the loan servicer, taking over as prosecutor in the foreclosure proceeding. The original foreclosure trial date was XX/XX/XXXX. As of that date, Trust records showed that the unpaid balance of the loan was {$680000.00} including unpaid interest that had been automatically incorporated into the principal. 

The trial date was reset to XX/XX/XXXX. On the morning of the hearing, I consented to a final judgment of foreclosure in the amount of {$680000.00} principal plus {$23000.00} taxes paid + {$54000.00} insurance paid = {$760000.00}, in exchange for an extended sale date. However, when our case was called Nationstar swapped-in a different proposed " consent '' final judgment, which its attorney slipped to the judge face-down, and which specified a total of {>= $1,000,000}, which was {$240000.00} more than I had agreed to pay. 

Nationstar had illegally modified the terms of my loan agreement by adding fixed-rate interest of {$140000.00} dating back to more than a year prior to the foreclosure initiation, plus I later learned that Nationstar had made a {$60000.00} unauthorized withdrawal from my Trust account a few days prior to the foreclosure hearing, and it charged me {$41000.00} for for windstorm insurance, which was specifically excluded from my loan agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Windham Professionals, Inc.
State: CT

Complaint narrative:
On XX/XX/2018 at XXXX EST I was contacted by a company that refused to declare their intent before attempting to collect information from me. 

There was no abusive or profane language, it was the only option I could select. 

When I was contacted by this company they told me the call is being recorded and declare their company name, but they refuse to 'mini Mirandize ' me and properly declare themselves as debt collectors or as my creditor. They then proceed to try and collect personal information, such as my date of birth, in order to verify my identity. 

I believe that this " deception through omission '' ( refusal to affirm or deny their intent to collect a debt ) BEFORE asking for personal information violates " 15 U.S.C. Section 1692e ( 10 ) & ( 11 ) ''

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