vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
OnXX/XX/XXXX, Capital One pre-approved my husband, XXXX XXXX XXXX, for a Secured Master card for his use while travelling in XXXX. He was to be gone for XXXX weeks. Since he wanted a large credit line, on XX/XX/XXXX, we electronically sent Capital One {$340.00}. The card was never issued so XXXX XXXX left on his trip without the card, returning at the end of XXXX. 

On XX/XX/XXXX, further contact was made to the company to have the card cancelled and the monies returned. They requested proof of his address and identification which was scanned/faxed to them at that time. No further communication from them was received. 

In XXXX and again in XXXX, more lengthy phone calls ( hour long calls ) were placed and different responses about the " lost '' funds were received in each phone call. 

On XX/XX/XXXX, another call was placed to Capital One ( XXXX minutes long ) and the agent came back stating the the {$340.00} was refunded to our same XXXX XXXX XXXX account on XXXX XXXX, XXXX. 

This morning I phoned XXXX to verify this and after XXXX minutes on the phone, they verified that this has not taken place. 

PLEASE, help. We are out the funds and out of patience! 

XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.

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 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
The lender approved this clients file for a streamline modification and only provided this information to the clients XXXX XXXX - the client nor our office was made award of any approvals - the lender took it upon themselves to only provide this info to the XXXX XXXX - The lender refuses to speak to our office even with the XXXX XXXX letter that has been provided giving us consent to speak on the clients behalf - The lender also has out TPA and still refuses to speak with us - the client was approved a few weeks ago and got a denial letter from the lender due to the XXXX XXXX not accepting the terms of the approval - No only with this NOT his decision to make, but the client XXXX and XXXX XXXX were NEVER made aware of the approval or terms to accept or deny the modification. We feel the lender is not handling this file as it should be to assist the client in the best way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

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 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX at XXXX XXXX I went to Well Fargo to lift a pledge of my personal loan and pay off the total balance of {$26000.00} was quoted to my personal banker who contacted the personal loan officer at Wells Fargo to pay off balance of personal loan. 
I verified my account information and the amount owed was verified by the loan officer at Wells Fargo, I told them I was closing the account by lifting my Pledge and paying in full on the spot ; I proceeded to sign my papers to lift the pledge and make my payoff payment with a withdrawal out of my savings, I got a receipt for the total amount payed on the loan {$26000.00} and the remaining balances into my checking and savings accounts. My personal banker requested I call back to make sure no issue arise and verify the loan was officially closed. Three days later I received a phone call that this loan was not closed due to an automatic payment that had not been withdrawn 4 days prior to the loan being paid off. To my knowledge that payment was included in the payoff. On the XXXX of XXXX 10 days later after the loan was payed off, it was explained to me that a payment of {$420.00} tried to come out on XXXX/XXXX/XXXX and " posted '' on XXXX/XXXX/XXXX but was rejected on XXXX/XXXX/XXXX was tried again with insufficient funds to cover second attempt which in return a payment reversal was done again on XXXX/XXXX/XXXX in the afternoon while that same morning I had came in for the payoff amount. As my final thoughts on this situation I still understand I payed my full balance per the conversation with the loan officer and  my personal banker.

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 2017-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: OH

Complaint narrative:
I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
Transworld Systems Incorporated contacted me about an outstanding bill. My remaining balance on the bill was {$XXXX}. XXXX paid the remainder. I paid the outstanding balance yet a few days later the bill was on my credit report. I asked Transworld to mail me a receipt of the payment and they claimed it would take 30 days to get the receipt. I need the receipt sooner to get this note off of my XXXX report. I called back to complain and they said it would take 7-10 days. I 'm not sure what to believe ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hi : In XXXX 2017, my dog had a serious illness requiring immediate XXXX. The vet suggested that I finance the operation with Synchrony. I applied for the card and received credit and have been making payments. 

I asked about the terms both with the Vet and Synchrony but they did not emphasize or mention that if I did not pay off the balance in six months that that I would be back- charged interest for the six months which had been discounted. Silly me for not reading the fine print, not even sure I saw it before I was approved and paid the vet. When they did this, it caused my account to go over the credit limit causing a large decrease in my credit score about the same time I was trying to refinance my house. 

I asked them to raise the credit limit a little to solve the problem but they declined saying the reason was because I was over the credit limit. This is a classic Catch-22 and just nonsense. This was a scheme that is designed to mislead. I have fallen for these a couple of times in the past which is why I do n't generally sign up for merchant cards. I just missed it this time because of the circumstances.

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 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Remove this security freeze.

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 2017-09-25 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: GA

Complaint narrative:
Remove this security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up 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 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.

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