vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/18 we submitted a request for a short sale among other and all options regarding the late mortgage payments. In the letter we also included a short sale offer from a buyer. We requested the assistance packet to be reviewed and then review the short sale offer. On XX/XX/18 we receive 2 calls from Arvest saying our packet is being reviewed. On XX/XX/18 we receive a letter in the mail denying the short sale offer. Upon collecting information, this was done prior to the packet being approved. As you can see in the letter Arvest denied the short sale because we had not completed a packet ( which is false ) and b/c we had not been approved ( which is why we applied in the first place ). We completed a packet but Arvest denied the short sale before actually reviewing the facts. 
Due to the contract I was required to give the buyer all information and now the sale of my home is lost. 

Addtionally, Arvest denied our initial request for mortgage assistance in XXXX, because we were only 46 days behind on payments. So we were forced to take another hit on our credit score become more late, more late fees, more penalties, more likely to default before we could even speak to someone regarding our options to save our home. Arvest answer ; let us tack on more late fees, let us damage your credit some more then fill out a new packet once you are closer to foreclosure.

Finally, Arvest has a policy that requires the packet to be completed before you speak to a person regarding options to save your home. This lack of communications makes it impossible to know what options to sign up for, how it will effect your credit score, what penalties there will be, how the process works. The only thing they tell you is, fill out a packet. Can I speak to a person regarding options. No. The packet requires knowledge we could only get by speaking to a person familiar with mortgage assistance. 

The mortgage assistance team at Arvest is not set up to help their clients. All actions at Arvest are essentiallym in place to satisfy the minimal federal requirements. They call each week to have " constant contact '' but they refuse to answer questions or the person that makes these calls has no knowledge and can only say " we are reviewing your request. '' Can I speak to someone regarding my options. No. Fill out another packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I met a man online who was selling his airline miles. I was interested and we settled on a {$550.00} amount, of which half was due before the miles can be used. He told me I could use XXXX to send him the half ( {$270.00} ). I felt good because the XXXX i will use is through my bank which is USAA bank and I felt that should protect me. I sent the money and immediately the man got it he stopped responding to my messages and his number got disconnected as well. I reported it immediately to my bank and it took my bank only less than 24hours to tell me that the transaction was not an error and I am not protected from such scammers and at the end they instructed me to contact the scam artist to get my money back! First of all I never said an error I told them I was scammed, the investigator chose to use the word error instead to minimize their responsibility and make it trivial which is offensive. 

If a bank allows a service to be used by their customers through their account and they dont do everything to protect them than why am i keeping my money with that bank? The fact that XXXX is directly included in my bank options gave me the extra trust that made me think XXXX must be good. I want my money back from USAA! 

Another big issue is that the investigation department didnt reach out to me for clarification and they have no phone number for me to call them directly. Each time you have to call a general number that sends them the message to call you and they usually take their time before calling you back. In other instance they call and if you miss it they NEVER call back again. I wonder why am baking here, my recommendation is just use them to get only the membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from 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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX posted that I owed XXXX. I fought it due to fact it was not my to pay. They finally took it off of my credit report and several months later I seen they gave it to XXXX XXXX to try and collect. I am very upset concerning this. I have worked on my credit report for last 10 to 12 years to get my scores to above 700 and now this happen. Please review my credit again. I've never been late on a payment in several years. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX  kept raising my insurance premium without my knowledge I disputed the amount with Compass since XXXX, Compass gave provisional credit, did not investigage and debited my account making all kinds of negative adjustment. 

All the disputes were handled in another country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Paypal has open a line of credit, Keep the available credit and displayed a false balance of alaviable credit. Credit line is {$2700.00}. As of this date the available credit is stated as XXXX. Where did the available credit go. I was not given the proper amount of credit, due to I have my mineral rights under the Mines and Minerals Act of 2009. The account email address is XXXX. Please send opening account documents to my email account. The PayPal Credit account number is XXXX-XXXX-XXXX-XXXX. Paypal Credit, did not issue a Card, as requested under the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: CA

Complaint narrative:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF 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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc.
State: OH

Complaint narrative:
Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX  credit report and was notified of an inquiry made into her credit file from three creditors concerning fraudulent applications submitted ; Capital One XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute was submitted XX/XX/2018 ( no reply was received concerning dispute ) ; XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute mailed XX/XX/2018 ( no reply was received ) ; XXXX XXXX, inquiry made XX/XX/2018, formal dispute mailed XX/XX/2018, ( no  reply was received ). A current XXXX  credit report still has these banks listing the now know fraudulent related data and each of these banks are in violation of my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
An account from XXXX XXXX XXXX ( Original creditor ) is showing on my credit report. Its now saying that its been sent to the collection agency XXXX XXXX in the amount of {$530.00}. It also says the account was opened XX/XX/16. I did not open this account and Ive tried to contact the company at their toll free number XXXX. It sends you straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been diligently trying to challenge some fraudulent items on my credit report with Equifax and between XXXX and today Equifax has refused to respond to my letters and or online request. 

I cant view my Equifax reports on XXXX XXXX, Equifax.com or XXXX XXXX XXXX. I found a way to view them finally about a week ago bit Equifax is still ignoring me. This violation of the fcra and if im not able to check my reports and have a proper dispute investigated then I will if need be contact a FCRA attorney, also I have always sent in the required documents to verify my identity. My id social security card and proof of address listed on your website. Th proof ofaddress was dated within the last 30 days and im elderly and XXXX  so they are violating the American disability act. they are taking advantage of the ederly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I used the app XXXX XXXX to show a hard inquiry from Citizens Bank with an inquiry on XX/XX/2018. I don't recognize this inquiry, I've never spoken to anyone at this bank and this bank doesn't even have a branch in the state I live in. I called their corporate customer service number and the representative said they couldn't help and I needed to contact a branch manager. I contacted a branch manager and they said they couldn't help or didn't see my name attached to anything there and I should call XXXX. I called XXXX  and they said I needed to call Citizens bank. I explained to them what I'm explaining here and they said to file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: ID

Complaint narrative:
On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts. 
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX around XXXX XXXX CST I spoke to XXXX a supervisor in Chase Disputers who stated the following charges were valid because I stayed at the hotel. For them not to be valid I need to have canceled the stay. 

XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX  XXXX I provided the original invoice from the merchant which clearly shows a credit in the amount of {$100.00} should have been received. Instead I was charged {$100.00} Additionally, I highlighted the items I was charged in error for, including the mini bar and minibar tax fees. Upon check-in I had the hotel remove all items from the mini bar to prevent these charges. I was also charged for breakfast which is an included amenity for XXXX XXXX XXXX XXXX XXXX. To substantiate this claim I also included a copy of the printed member benefits from XXXX 's website. I even provided the exact chargeback reason code of XXXX Misrepresentation, which she stated in order for it to be valid I would have had to have canceled the breakfast despite the merchant verifying it was included and would not be charged. When I asked for her name and id number to identify her she refused to provide any identifying information stating they were not required to do so and they were not required to process the dispute as requested in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: PA

Complaint narrative:
Netspend opened up an account without my authorization. Credit Card issued by MasterCard card number 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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
XX/XX/2017 I received an alert that these items had been added to my credit report so I called XXXX  to find out what it was so they gave me the info. So I called AAMS to find out what it was about they told me they purchased a bill so now I owe them I informed them that this wasn't the right information and I need validation of the debt by mail they said they had mailed me the bill got returned each time. I never got anything so I disputed with all 3 credit bureaus first they said it was verified then I asked to see the method of verification with XXXX  a supervisor let me call on 3 way to the company but no matter what I do or how I do it XXXX will not remove it I had sent letters They said they are not going to investigate again I sent them the statement of procedures that was said done and cost of each and they updated it to a because they saw that all together it didn't equal the amount of the first charge they had 3 Mark 's against me so the made it 1 deleted 2 because it was added with the 1sti sent my first letter XXXX, sent my 2nd letter XX/XX/XXXX 3rd letter XX/XX/XXXX, my aught letter was when they told me they wasn't going to investigate it again

Company response to consumer: Closed with explanation