vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
The TJX Rewards Mastercard credit card offered through Synchrony Bank features the opportunity to earn {$10.00} and {$20.00} paper or electronic reward certificates when making purchases anywhere with the card and the opportunity to redeem the certificates when making in-store or online purchases at TJX companies. I have all paper certificates and I retained them so as to maximize their value when making large dollar purchases. Nowhere on the certificates does it say there is a limit on the number of certificates that can be used when making a purchase. The only limitations which are material to this complaint are the 2-year expiration date and the forfeiture of the balance of a certificate 's balance if the purchase price is less than the face value of the certificate. 
This complaint concerns the apparent inability to redeem more than one certificate when making an online purchase. I would like this complaint to be brought to the attention of the CEO of TJX Companies. Last night ( XX/XX/2019 ) for the second time I tried to use multiple certificates but could not. Due to the nature of the site, i.e., it attracts bargain hunters, and the lack of evening and weekend ( or holiday ) customer service, I wanted to be sure I could receive the merchandise, so I completed the purchase without using all my available certificates. I would like to be able to redeem the certificates after consummating the transaction. The value of the transaction after the deduction of one {$20.00} certificate is {$150.00} and the order number is XXXX. As I alluded to above, this is not the first time this inability to maximize the number of redeemable certificates has occurred. The same thing plagued prior orders. In addition, order number XXXX had another issue which is still not resolved, let alone addressed by TJX Companies. That issue concerns the sale of a facial device for which its reconditioned status was not disclosed in the marketing materials or at the time of sale. Correspondence was sent to the company in XX/XX/2019, but no response or even acknowledgement has been received.

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 2019-07-05 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: ID Analytics, Inc.
State: IL

Complaint narrative:
On XX/XX/2019, I called, left a voicemail, and faxed a letter to the consumer reporting agency, SageStream , LLC. My goal was put a security freeze my SageStream consumer report. Per, their website, you can initiate this request via Fax. I followed the directions listed on the website regarding how to initiate a security freeze request via Fax. After sending the fax, 1 or 2 business days later, I called again to see if they received the fax. No answer. Left voicemail ; no returned call. 

I'm uncertain if they received my fax or not. 

No one is answering the phone. They have an option to leave and voicemail. It's been almost a month, and I've received no return phone call. 

I contacted them again, XX/XX/2019, using the same method. Again no answer when calling and no returned phone call. 

I called 3 times again today, XX/XX/2019, still no answer. 

I've initiated this same process with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX. All have sent me mail confirming initiation or completion of the security freeze. 

No contact or mail has been received from SageStream.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I submitted 2 disputes with XXXX  Credit regarding a derogatory collection that was added to my report. They could not resolve my issue. The debt theyve placed on my report belongs to a family member. This not the first time XXXX has allowed this to affect my credit. In 2018 I spent nearly 6 months disputing derogatory reports and finally got it resolved, now it seems to be starting all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed a XXXX account ending in XXXX on several occasions with XXXX, TransUnion, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of  XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, TransUnion, and XXXX are not in compliance with the FCRA and are still reporting Bloomingdales 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 2019-07-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed a XXXX account ending in XXXX on several occasions with XXXX, XXXX, and Experian. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, XXXX, and Experian are not in compliance with the FCRA and are still reporting XXXX 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 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see the attached letter. I have told Wells Fargo before in writing to stop calling and to communicate in writing only, yet yesterday on XX/XX/2019 while with my family they could not help it but to communicate. This is a violation of The Do Not Call List, The California Rosenthal ACT ( RFDCPA ) and TCPA 1991. See attached. 

I expect this matter to be settled or I will file a lawsuit.

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 2019-07-05 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I have had numerous issues with University Accounting Service ( UAS ) related to them losing my checks or allocating the checks to the wrong months and thus leading to late fees and delinquencies on my credit report. Below are the specific details : - In XXXX and XX/XX/XXXX, two checks that I sent via my bank were lost by UAS or allocated to the wrong account by UAS resulting in late fees and a drop in my credit score. I repeatedly email and called UAS in XX/XX/XXXX and again in XX/XX/XXXX to resolve this issue. I even sent them copies of the cleared checks. 

- In XXXX or XX/XX/XXXX ( it is unclear from their website and with repeated discussions via phone ), another check was lost or allocated to the wrong account. They acknowledged that it was an error from the accounting department. 

- I send an electronic check via my bank account monthly 4-6 days before the due date on the first of every month. Despite, not making any changes in their recurrent payments, the check that was sent on XX/XX/XXXX to pay for the XX/XX/XXXX due date was instead allocated to XXXX. This caused a late payment for XX/XX/XXXX and no deduction of the amount that I already paid for XX/XX/XXXX. 

These are recurring issues with UAS. I have spent over 3 hours total with customer service. They are inept with understanding the issue, demand that I pay on the 1st of  the month rather than 5 days earlier. The amount that I owe nor that amounts that I have already paid are not clear on their website. This makes tracking my payments difficult and I do not trust that their calculation of how much I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX RE : Demand notice Savings -XXXX closure and bonus To Whom It May Concern : On XX/XX/2019 I opened Citibank checking and savings accounts in response to an advertised {$500.00} bonus. 

On XX/XX/2019, I was informed that Citibank would be closing both accounts on XX/XX/2019. Only the checking account was closed on or about XX/XX/2019 On XX/XX/2019, I was informed that my deposit accounts will be closed in approximately 30 days if I did nothing. 

On XX/XX/2019, I attempted to close my savings account via phone and chat. I was specifically told that Your account will be closed in 1-2 business days, not including holidays or weekends. The savings account remained open. 

On XX/XX/2019, a $ XXXX monthly fee was charged to my account. 

On XX/XX/2019, I again asked for this account be closed. The chat representative was unable to waive the fee and thus, could not close the account. 

It appears that Citibank is charging customers for its own incompetence. 

Now, I respectfully demand that 1. The savings account be closed with a zero balance and 2. Citibank pay the advertised {$500.00} bonus. 

Else this matter will proceed to arbitration with all costs borne by Citibank. 


Sincerely, XXXX 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 monetary relief
Consumer complaint received 2019-07-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # 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 2019-07-05 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: FL

Complaint narrative:
Equifax on XX/XX/2019 I receive a letter from XXXX that they would request your BUREAU to remove three unauthorized inquiries made from XXXX and XXXX, it would take 4-6 weeks to reflect change on my credit file, it's been pass 6weeks, I have attach the letter receive by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/19 a company named Shellpoint, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. Shellpoint has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and XXXX ( report # XXXX ) and they have not removed the reporting either. 
Shellpoint 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that Shellpoint produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: AZ

Complaint narrative:
On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are Equifax and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with Eqifax ( confirmation # XXXX ) and XXXX  ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
I filed a complaint with CFPB on Suntrust XXXX which Suntrust as usual denied claim and CFPB did nothing, since then Suntrust abrupyly closed my account I have no access to my funds and my funds are not returned they can not illegally hold my money they are Suntrust angry I filed a complaint with CFPB and I told them I would file a complaint with the Federal Reserve, Suntrust has XXXX American mangement I am XXXX they descriminated against me as well

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 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Left messages in XX/XX/XXXX on Sears web site that we did not make the charge. They finally removed it after many messages. They put it back on our card & sent us a letter with Proof of purchase however the proof of purchase actually proved we did NOT make the purchase. There was no reason for them to put the charge back on if they had looked at what they sent us. 

I left message again on web site & I called today. I put the card on hold. The person on the other end was overseas & they asked for my checking account number!!! I informed them they did NOT need it but am very concerned that someone is asking for it! 

This charge is from XX/XX/2019 & we are still trying to get it taken care of!

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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Unable to log into my Equifax account to lift a credit freeze. I've been trying to login to my account for four days, and each attempt ends with their system telling me my account is locked.

I've called Equifax three times this week, and have gone through three of the exact same steps to reset my password only to find out that my account is still locked.

Earlier this week I was told the system was having problems, and to wait 24 hours multiple times, but after waiting 24 hours my login credentials still did not work. Upon my last attempt to login, I was told the system has been having problems with accounts for over two weeks. No one I spoke with could unlock my account. They told me they had to transfer me to a department who didn't take calls to get my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Repeated calls when answered they hang up. Company says they are unable to stop this harassment unless I provide them with personal information beyond my phone number. Hang up calls once every day or every other day. Frequently using alternating phone numbers making it difficult to track calls. Generally dishonest harassment tactics. Southwest Debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Receivable Solutions
State: TX

Complaint narrative:
Call Professional Receivable Solutions LLC about a letter received trying to obtain {$570.00} for a music equipment that was turned in to a school district 5 years ago. They were extremely rude and would not verify and validate the music equipment was turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
This letter is to initiate a complaint against Dyke ONeal collection agency,  located in XXXX, Texas ( please see attachment provided ). 

At an earlier time, I was forced into a short sale of a property I had owned due to vandalism. The mortgage holder required that a {$5000.00} promissory note, with payments of {$42.00} per month. This note was subsequently turned over the Dyck ONeal for servicing. 

Dyke ONeal sent me monthly billings on a regular basis until the middle of last year ( XX/XX/XXXX ). For five months, I received no billing statements - and therefore no payments were made on the note. In XX/XX/XXXX, a  representative of Dyke ONeal contacted me by telephone and informed that the note was in arrears. I promptly brought the note current. 

Later, Dyke ONeal placed a derogatory note on my credit report, stating that I had missed five payments. I phoned the company to request that the derogatory information be removed, as I had not paid because I had received no billing statements. The company refused to do this, citing that they sent out billings as a courtesy only, and hung up the phone on me when I complained. 

I would like to request that action be taken to compel the removal of this information from my credit report. I have excellent credit otherwise, and what they have added is very damaging. 

In addition, the short sale was originally mis-reported on the credit report as a foreclosure, when this was not the case. 

This issue was already referred to the Maryland Division of Financial Regulation, but they were unable to have the derogatory information removed. Further, XXXX XXXX, XXXX at Dyck-O'Neal made several untruthful statements to that agency during the course of their investigation. 

As a result of this situation, I am looking at payments on a used car of nearly {$100.00} more PER MONTH due to the fact that my credit score dropped approximately 115 points. This is a material adverse financial impact. 

What rights do I have as a consumer regarding credit reporting agencies? There would seem to be no accountability for the veracity of their information, despite its impact on peoples lives. 

I may be reached by telephone on XXXX should you wish to discuss this matter further. Please note that if you call and receive an unusual response, you have probably reached my robocall app. I will call you back. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation