vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mark A. Kirkorsky, PC
State: IL

Complaint narrative:
XXXX XXXX  has made several payment agreements with regard to XXXX XXXX. On XX/XX/XXXX we received 4 voicemails and several emails requesting a call back. This far exceeds and acceptable number of calls in a day and is deemed as harassment. Our payment specialist was out of the office. Upon return on XX/XX/XXXX XXXX XXXX returned the call to XXXX promptly at XXXX CST. XXXX became verbally aggressive nearly immediately. XXXX stated that she was not with a collection agency that she is part of a law firm and that if the next payment was not made she was going after Mr. XXXX personally. In further emails, which are attached it is stated that the FDCPA is not relative to her efforts. Deeming her several calls a day acceptable The problem with this is that the attorneys office is in fact acting as a debt collector, hence the reason for the mini miranda on the transfer service. As well as on the emails sent over from XXXX. Misrepresentation is wrong. Calling that many times in one day ( excessive ringing and several voicemails ) is also deemed harassment. Then intent of the initial call to XXXX from XXXX was to renegotiate the terms as $ XXXX per month is just too much. While XXXX XXXX  is willing to make payment it has to be an amount that allows for the company to afford overhead to keep jobs going. Please understand that calling and saying that this is personal as it has a personal guarantor makes it personal with regard to collection efforts. 

I am attaching documentation of the correspondence in the last 2 days. 

Attaching email documentation as well as documentation from voicemails left which say comcast Voicemail- I do not have the ability to alter this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts and inquires are not mine. I would like them removed

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts and inquires are not mine. I would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I ordered items from XXXX totaling {$1100.00} The items were scheduled to arrive by XX/XX/2018. 

They never appeared. 

On XX/XX/XXXX, I called both XXXX and Comenity bank to inform them my package never arrived. 

Comenity created a Disputed Transaction. 

On XX/XX/XXXX, after much back and forth, Comenity said because a XXXX slip shows as Delivered to my doorstep, that counts as delivery to the obligor. They suggested I follow-up with XXXX. 

On XX/XX/XXXX, I called XXXX who said they would issue a refund. 
On XX/XX/XXXX, I also mailed a letter to Comenity asking : " Why is your opinion that delivery to my house meets the legal qualification of delivered to the obligor? Specifically, can you point to case law or amendments showing an obligors house qualifies as a valid delivery? '' Comenity never responded to my question.

Comenity also never followed up with XXXX to find the status of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been harmed by Synchrony Bank. They have lowered my credit line on my JC Penney account based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on JC Penney accounts have been on time and never late except one payment that was one ( 1 ) day late due to me having internet problems. All open accounts on my credit are in good standing and paid on time.

On the JC Penney account, they lowered my credit line to {$1500.00} from  {$4500.00}. My current balance is {$1500.00}. Their action has caused my credit usage percentage to increase from 34 % to 97 %. 
I have attached my payment activity for this account.My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month. 
I feel this is an unethical practice that has had a damaging effect on my credit. I am requesting Synchrony Bank review their records and rectify this issue to restore my good 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 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I mailed a payment for $ XXXX was an official check from XXXX XXXX XXXX . Within the mailed payment I included my SSN, DOB and Name and last four of my account. As the online statement accessible to me did not provide my full account number. On XX/XX/XXXX the check was cashed by the payment processor for Macys Credit Card - Citi Bank.

I contacted Macy Credit Card Services to discuss the missing applied payment. I was told I would have to file a dispute. The gentleman avoided direct questions and was not comforting at all in regards to them losing nearly {$2000.00}. I was also told I would still need to pay the interest accrued as well as any late fee if I did not pay the XX/XX/XXXX payment. However, if they had processed my payment correctly then I would not need to pay again. He avoided response. 
He then stated it would take 21 days to resolve my complaint. I asked " Calendar Days or Business Days '' he stated on the recorded line " Calendar Days '' and then stated I needed to fax my card information and proof of the dispute. I do not have the account number and stated that to him. His response was you can " try and hopefully it works ''. 
I went ahead and faxed as I have no choice. This payment needs to reflect as I had to pay it off as a requirement to obtain my home loan. And we are now nearly a month with a missing funds. I sent the fax which I have included. And stated that 21 days for a payment dispute is unacceptable. 
Today I did a " chat '' to determine if Macys Credit Card Services received my dispute fax, with evidence that the item had been paid and the cashier check cashed. They responded back stated yes. And then stated it would take 2 billing cycles. Which is unacceptable.

After pushing back and discussing the that the initial call said 21 calendar days I was told they were misinformed as well as the initial person I filed a dispute through and that the dispute will take 21 BUSINESS Days. 

I have lost interest that I could of been paid on the XXXX. In addition I am being charged interest on the balance that they processed a payment on XX/XX/XXXX for. In addition on XX/XX/XXXX if not paid by then I will receive a late fee which is completely unacceptable. 

I mailed them the payment on XX/XX/XXXX. The received the funds of the cashier check ( official check ) on XX/XX/XXXX. It is XX/XX/XXXX and they have not provided me credit. They are still charging me interest. The have stalled my home purchase. They are now going to charge me a late fee. The customer service was poor, incorrect information given, and no clean and simple process provided.

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 2019-11-08 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: Atlanticus Services Corporation
State: UT

Complaint narrative:
Phone representative gave me misleading/wrong information about when I could pay my bill once my promotional rate expired in XXXX. I was advised that it would have until my next due date XX/XX/19 to pay off my balance before accruing interest since the promotion expired after my XXXX 's due date. I see my bill today when I was getting ready to pay my balance off, interest charges. I called 5 times today for almost two hours  on the phone with them and no one wanted to waive those interest charges due to wrong information provided by them. I just paid off my promotional rate balance today. They also processed a debit card payment today XX/XX/19 without my consent. Another poor business practices. They have no notes on my account so I the consumer pay the consequences. All I wanted is my interest charges waived since I paid off my balance but no one helped me. I closed my card today poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: TN

Complaint narrative:
I did not house a " Merchant '' Account with XXXX XXXX XXXX. Oxygen Recovery Group is stating I owe a debt on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XX/XX/XXXXI made an instore purchase for jewelry. the store clerk sold me on opening a store credit card for 10 % and my total purchase came to {$22.00}. 

On XX/XX/XXXX I received a call that my account is over 60 days late with a total amount due of {$77.00} which I paid on {$77.00}.

I had not received any bill or notice of late payment before this. The Kohls rep I spoke to on XX/XX/XXXX at XXXX said he confirmed the address they have on file for me is correct and that they mailed a statement in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any of these. I'm otherwise very good with paying every bill on time and have scores over 800. 

It's very unfortunate that I opened a new card for a mere {$22.00} and never received even the first bill, so easily overlooked this as a monthly payment. The kohls rep said there was nothing they could do about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 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: CO

Complaint narrative:
Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I have GAP insurance with XXXX XXXX and the insurance paid off the balance in full. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-11-08 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: R & B Corporation of Virginia
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never  been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Made 2 payments to my account. Never credited but has cleared my checking account. Talked to several people on the phone still not resolved. My bank confirmed check was cashed by usaa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been working with Citibank on a commercial loan - cash out refinance on a 3-unit investment property in NJ. The property was purchased through a newly formed LLC,  owned 50 % /50 % by me and my partner, my brother. XXXX XXXX, the loan officer I was working with was well aware of the structure, as we provided to him all of the requested documents in early XX/XX/2019, inclusive of the title and other purchase support documents evidencing the purchase via our LLC. About a week prior to our anticipated closing in early XXXX, XXXX mentions for the first time that the title needs to be in our personal names and can't be in the name of our LLC, and he suggests we transfer the title. When we express that we clearly can't do that as the primary reason investors purchase property through an LLC is to mitigate personal liability, he unethically suggests something illegal -- " Off the record, and I shouldn't be telling you this, you can close with title in your personal names and then just transfer it back after the close ''. Obviously that is illegal and he is suggesting something that would breach our contract with Citibank. As a result, we were unable to close the loan since we wouldn't transfer the title, and were at an impasse due to information he wasn't forthright with. We lost fees already paid, months of our time locked into a good rate, and now we are in a position to have to begin all over with a new bank. In summary, he presumed we were not savvy investors and he withheld a piece of information that clearly would have stopped the transaction immediately, in hopes we would be none the wiser and just overlook it in an effort to close, but would obviously be putting ourselves at risk. Further, suggesting to a long-time client of Citibank 's, on behalf of the bank, to do something illegal is something that should make Citibank very uncomfortable and should put his license at risk. He was negligent and mismanaged this process, costing us time and money, aside from acting in an unethical manner.

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 2019-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Absolutely the most incompetent company dealing with mortgage loans on the face of the Earth. What they are doing and the fact that they are allowed to handle mortgage loans should be investigated by Congress to say the least. First off they called me inquiring about refinancing my VA home loan they had bought from ** ****** ***** & XXXX ; into a lower interest rate. I was pleasantly surprised that a company seemed like they were out to help the little guy ... .. That was the last time I would be pleasantly surprised .... All be it not the last time I would be surprised, horrified might be a better word when dealing with Freedom mortgage. First off, they already own my original home loan so documentation and numbers shouldn't be that hard, however it is and the new loans escrow was over {$200.00} short of where it needed to be in order to cover property taxes. Did I mention those are public information through XXXX County wedsites?? Well, I caught the error and had to send the form THREE TIMES WITH THE CORRECT NUMBERS to their closing department to have the numbers corrected. THEN I sat around my house on three separate occasions waiting for them to show up to close on my refinance ( this after noon being the third time ) AND NO ONE SHOWED UP! I called them everyday this week to insure everything was in place to close today, even called them yesterday afternoon and they reassured me everything was ready to go! Nope! Once again they didn't show up. I have taken 5 days off of work just to close on this loan!!!!!!!!!! And no one in management has even attempted to contact me! Absolutely disgraceful.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The company information is : Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA, XXXX Phone : XXXX These people are contacting me about a debt that is no longer valid. This debt has gone past the statue of limitations. The account number for this action is XXXX and is addressable to : XXXX  XXXX XXXX  XXXX XXXX XXXX CA, XXXX Portfolio Recovery Associates has been faulted with many many complaints about pursuing non-existent or irrelevant debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NC

Complaint narrative:
I have paid my mortgage since Selene increased my monthly payment amount unknowingly in XX/XX/2019. I also believe that Selene has made several errors with my loan.

Please help me determine what steps I need to take to get my monthly payment reduced and also to get my principal reduced. I spoke with a Selene customer rep in efforts of making a partial payment however my partial payment was refused. 

Also please help me determine why the servicer sent me a check in the amount of {$0.00}. I have called in on numerous occasions to discuss the check with the servicer however none of the representatives were able to explain the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the credit report which is provided by Experian Bureau, there is an incorrect account under my name. This account was opened in XX/XX/XXXX, and there were 3 delinquencies in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I'm an XXXX. My XXXX application was approved in XX/XX/XXXX. Then I moved to America on XX/XX/XXXX. One week later I received my social security number. So when the account was open, I didn't have a SSN, a VISA, and havd never been to America. Apparently, it is impossible that I opened an account and had delinquencies one year before I XXXX to America. That account doesn't belong to me. I disputed to Experian Bureau twice but the result was that the information was verified accurate. I'll provide a picture of my XXXX VISA, with the entry stamp showing that the first date I came to America, and the social security number with the issued date on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief