vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On approximately XX/XX/XXXX at XXXX XXXX  I received a phone call from someone telling me that they were from Portfolio Recovery and that this was an attempt to collect a debt that was from XXXX. And that I owed them approx {$1400.00} ( don't remember exactly they amount stated ). I then explained that the debt they were referring to was from approximately XXXX and that I had listed this debt when I contacted XXXX XXXX XXXX XXXX and paid for the required program prior to filing bankruptcy chpt XXXX and that before I could file I became XXXX and was forced into early retirement and live on Social Security. The collector didn't seem to care and actually just began talking and trying to insist that I set up some kind of repayment plan. I hung up and then wrote the company ( Parent company XXXX XXXX ) a Certified Letter ( See Attachment ). Today XX/XX/XXXX at approximately XXXX XXXX  I received another phone call this time from a XXXX XXXX, who once again repeated basically what I described above. But this time I went off on her and she hung up. I called their number and first spoke to a XXXX and then I asked him to put a supervisor on the phone. XXXX XXXX got on the phone and he started asking me question, I interrupted him and expressed that I had sent a Certified Letter etc to his corporate office and attention XXXX XXXX the Compliance Officer. And he said he would notate the file and contact corporate to confirm what I had said. I hung up and decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.

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 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Financial, Inc
State: VA

Complaint narrative:
We have sold our house. The Escrow company has been paid. They closed and recorded all appropriate documents per docs. sent to me and my spouse. Since closing on and settlement date of XX/XX/18, the Escrow company has been holding the amount of XXXX for a debt they can not prove. We have tried repeatedly to find out what this supposed debt is as we have never re moved a bill or statement of any debt to any debtor for this amount. Today, the response from escrow was to hang up on me. In returning the call, I was given to someone that told me " upper management will call you when she arrives at XXXX. PST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Woke up Monday XX/XX/XXXX to find my savings account had been reduced to nil. Two withdrawals of {$1300.00} and {$2300.00} were made at a banking center in XXXX, Fl. I live and operate in XXXX. I have never been to or know anybody from or heard of XXXX. I did not lose my card or give out any information. This should be impossible. Bank of America told me it can take 60+ business days to resolve. That is three months and is unacceptable. It is my emergency fund and prevents me from needing a credit card. I provided every detail BoA asked of me. This is so obviously fraud I can ' understand why they won't credit me the money back while they investigate what happened.

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 2019-01-24 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: PA

Complaint narrative:
XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers. 

They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase. 

Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.

I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
on XX/XX/XXXX I submitted a loan payment to XXXX XXXX using the XXXX  XXXX education award for my loan payment of {$260.00} due on XX/XX/XXXX. There are 10 business days between the XXXX and XX/XX/XXXX and I called on 1/18 and was informed it still was not even processed. My request wasn't approved until XX/XX/XXXX on XX/XX/XXXX my payment has still not been received. After calling XXXX I find out that there isn't even a payment date scheduled yet for this payment. As a result it is very likely I will either have to take a financial hit and pay it myself in order to make it count for PSLF or lose a potential payment due to timing issues outside of my control. In addition between the fact it takes over 15 calendar days along with an additional up to 30 days to mail the check it seems IMPOSSIBLE to use XXXX awards to pay for student loan payments which is what their purpose is supposed to be for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services
State: NY

Complaint narrative:
ACS was my loan servicer I believe from XXXX to XX/XX/XXXX. My balance was consolidated of {$58000.00} and I had transferred to a new servicer XXXX. I had wanted to get into a forgiveness plan because I thought it would be good for me. 
When I had spoked with a customer representative from XXXX twice in XXXX. I had to pay {$71000.00} I could not understand why so high? I did not think much until I heard about XXXX being sued. I had wanted out of XXXX and wanted to go back to ACS. It would not be a good idea because I may have been charged a higher rate. I need to find out why ACS charged the high rate.

I had tried calling ACS but they could not find my information. I'm not sure since the name has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FRAUDULENT ADDRESS ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I filed Chapter XXXX Bankruptcy on my XXXX XXXX XXXX XXXX XXXX and the balance of {$79000.00} was discharged XX/XX/XXXX. I have been maintaining the payments in order to keep the property. In XX/XX/XXXX. XXXX XXXX  XXXX sold my account to Select Portfolio Services and now they are calling me, requesting payment. XXXX XXXX XXXX told me that they would have to follow the same laws and could not call and harass me. I informed the last representative that I filed bankruptcy years ago and that they are not allowed to call me. 
This representative, XXXX XXXX, said that they are allowed to continue to call me as long as I keep the property. I spoke with an attorney and was advised that they are NOT allowed to call me and request this debt. I have also received bills from them informing me that I am late! They have called me multiple times a day and even on a Sunday before XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I was approved for a XXXX XXXX credit card with a credit limit of XXXX I attempted to buy some shoes but they didn't have my size in stock so they told me that they can order it for me and then a purchase was made of XXXX plus XXXX in sales tax. I waited a long time and i still hadn't received my shoes, so i went to the store where i made the order and i told them to cancel it and i thought all was well at that point BUT several months later i started getting calls from a collection agency calling on XXXX   behalf saying that i had a pending balance of XXXX dollars or so and i explained to them that i cancel the order and they agreed that it was a mistake and they would fix it But after the new year past and it was XX/XX/XXXX now i would receive a call from them again saying that i owe XXXX dollars and i again told them the situation and they agreed to fix it again. I believed the problem had been resolved. But to my surprise as i stated to learn about checking my credit and i see that this mark still appears on my credit report and it has been damaging my credit substantially for almost two years and i contacted city bank but they refuse to be of any help i ask them to send me the info about my cancel purchase and they said they couldn't do it, they said they don't have the authority to do it and i ask them to get me someone who could and they were still of no help. So now i have to take matters into my own hands since they aren't being of any use

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRAUDULENT ADDRESS ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FRAUDULENT ADDRESS ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage company has failed to make appropriate payments to my insurance company even though payments are made on time and homeowners insurance information has been provided. I provided payment information as requested. The homeowners insurance company resubmitted a bill. I called and uploaded a bill telling them the homeowners insurance company would cancel if they didnt receive payment by XX/XX/XXXX. They told me to expedite upload documents to their website and it would be handled right away. Payment was never sent and now my insurance is cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had one first mortgage on my house I had one second mortgage on my house Both are paid. 

I had one loan on my duplex All debt was paid before the property was taken in foreclosure Wells Fargo took the property and kept the escrow that paid off the mortgage The foreclosure balance was added back into the loan modification on my house and now been paid back ... again

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 2019-01-24 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I am recieving a persons mail at this address and can not get https : //www.bankofthewest.com/ to stop sending me mail to my new address from another person.

XXXX XXXX XXXX please help this bank stop sending mail to my address. All the informed delivery from usps is still sending this mail to my address after I request then to stop!

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 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I have tried on numerous occasions to work something out with my lender. In the beginning they informed me that i had to go through the waterfall process and that they would let me know if i can do the short sale, it took well over 30 days for them to come up with their assessment. Now, I am stuck with a foreclosure sale date and a good offer that the lender is now telling me that they do not have time to review. I just want the lender to be fair and at the very least review my offer. I am like everyone else, I have my pride and i at least have been actively looking for a buyer on the property. This is the worst process in the world, how can the lender say that they do not have enough time to review the file for the short sale process when they have had all of the documents for over 30 days. Please help 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 explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
On XX/XX/18, I received an escrow analysis from Round Point Mortgage ( RPM ) that my mortgage payment will increase by {$380.00} due to a shortfall in my escrow balance. I quickly wrote RPM a letter on XX/XX/18 stating the discrepancy in the tax figure ( {$4100.00} vs {$1900.00} ) used and why there shouldnt be a need for my mortgage payment to increase as I should have just enough in my escrow. I requested for another escrow analysis on my account. 

When the second escrow analysis arrived in the mail dated XX/XX/18, my payment was reduced with a wrong tax figure used form a wrong property address while RPM sent me a check for {$1300.00} for a surplus. After several attempts of not getting through to their employee over the phone, I wrote another letter sending back the check on XX/XX/18. More specifically asking why my mortgage payment was left increased but I am receiving a check for surplus. Meanwhile, I was paying extra every month to pay down my principal. So, the extra $ XXXX I paid was applied to escrow instead of principal for my XXXX payment. 

Conducting a third escrow analysis, the new payment figure ( {$2400.00} ) RPM sent me was not the same as what was showing ( {$2500.00} ) on my account online. Furthermore, I was sent another check for {$500.00}. A representative called me prior to receiving the check that the check was sent in error and I shouldnt cash the check. Upon receiving the third escrow analysis and the check, when I called a rep over the phone, I was told to cash the check but no explanation was given to why there is a discrepancy in payment amount from what the escrow analysis statement showed versus what is shown online on my account. 

I have requested RPM to use the extra amount of {$380.00} applied to my escrow for my XXXX payment to pay down my and reduce my principal balance as well as a details on why there is a discrepancy in payment amount. I have once again returned the check for {$500.00} and demanded that my mortgage payment shouldnt change nor should I be receiving a check. 

Furthermore, RPM is still yet to give me a reason why my escrow balance is different when my loan was transferred to them versus what was on my closing statement when I bought the property. It seems RPM and her employees can not conduct an accurate escrow analysis nor are they fit to be a mortgage servicer. I am tired of talking to incompetent employees from RPM nor an Assistant Vice President who is sending me a wrong tax bill for a different property while trying to explain my dilemma.

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 2019-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
the credit score under more than normal by companies checking my credit, this affected my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an account for ten years with XXXX XXXX XXXX which was bought out by Capital One a couple of years ago. I have always made my payment on time and done so by accessing my account via the internet. 

Last year ( XXXX ) I filed bankruptcy on a company that I had, but did not include my XXXX account for several reasons ; 1 ) I have the motorcycle with a small balance I needed to keep, and 2 ) There is a co-signer on this account. 

This account was started with the purchase of my motorcycle ( XXXX XXXX XXXX ) and for some reason it was put on a credit card with an additional {$10000.00} credit limit. I never did understand why it was done this way. 

During and after my bankruptcy last year, I have continued to make my payments! 
Sometime around XXXX of XXXX I was no longer able to access my account via the internet, nor have I received any statements regarding my account and have not idea how my payments are being applied. 

I have called them ( Capital One ) every month and all I get is the same none sense. Basically, No one seems to know what is going on. I was finally given an email address to send my request to ( XXXX ) They have refused to give me the payoff amount on my motorcycle of witch they have the pink slip and refuse to cooperate in any way other than they to seem to have no problem cashing my checks. 

I look forward to your help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation