vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TN

Complaint narrative:
There is an account that is reporting twice on my credit report. Once by the original debtor and one by  the company that purchased the debt. This is still showing as derogatory XXXX/ XXXX  XXXX and XXXX XXXX XXXX XXXX. This is hindering me from purchasing a home due to the derogatory status.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On three different occasions, i.e., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, wrote checks in the amounts of {$100.00}, {$51.00}, and {$100.00}, respectively, and Certegy denied my checks that I wrote to XXXX 's XXXX XXXX. The only reason Certegy denied my checks was because the check number was too high. I explained to the customer service representative that I had been with XXXX XXXX for 38 year, talked with a bank officer and was told XXXX had no holds or outstanding checks on my account The customer service representative said Certegy used a formula to determine when checks will be approved or denied and based on that formula, my checks were denied.

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 2018-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!

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 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a Walmart MasterCard issued by XXXX XXXX in the mail on XX/XX/2018 which I did not apply for. The accompanying letter states At the time you applied for the Walmart credit card, an account was not able to be instantly opened. 
I never applied for a credit card and would like to know how this was initiated as I am worried about identity fraud.

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 2018-01-30 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: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
They're asking for family members, I repeatedly tell them I am not giving out information over the phone to someone I do not know. They won't tell me what it's about. They won't tell me which person they're actually looking for. When ask what it's about, they tend to just keep yelling the name of their company ( Transworld Systems ). They keep calling even though I've asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
We pay into a loan servicing company LoanCare We have an escrow account and at the end of 2017 -- we had paid into the escrow {$6600.00}. The disbursements were {$3800.00} which left us with an ending balance of {$2800.00}.

We have tried on multiple occasions to contact LoanCare and can not seem to get anyone on the phone to explain why they haven't returned the ending balance to us. There is an option to leave a call back # which we've also tried and again, no one returns the call.

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 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I placed an order for currency on XX/XX/XXXX, was charged, but the currency was never delivered. Case number XXXX. 

I am being told over the phone " it is being escalated '' and " they have to respond to the case '' but it has been nearly a month with no reply, and no way to contact " them. '' I do not want to dispute this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I recently viewed my credit report and found a debt listed by Diversified Consultants for {$1000.00}. I mailed a Debt Validation Request via return-receipt mail on XX/XX/2017. The company did not respond. I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 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: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # 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 2018-01-30 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: IN

Complaint narrative:
In early XX/XX/XXXX I mailed following request to Equifax Security Freeze - I have lost my 10-digit Security PIN and am requesting a replacement PIN. Enclosed is a copy of my Indiana Driver License. My phone number is XXXX and my email is XXXX. 
Please let me know if you need any additional information. 
Thank you, ( please see attachment A below ). 


On XX/XX/XXXX, Equifax Security Freeze sent me a letter indicating the ".. security freeze was permanently removed from your Equifax credit file. '' ( please see attachments B-page1 and B-page2 below ). 

This was not correct - over the next 6 weeks I was unable to access my Equifax credit report, nor was my bank, XXXX XXXX XXXX in XXXX IN, able to obtain a copy of my Equifax credit report. 

On XX/XX/XXXX, I communicated this information in a letter to Equifax ( please see attachment C below ). 

I have tried unsuccessfully since then to retrieve my Equifax credit report, as has my bank. Each request by my bank comes back that the " ... customer requested security freeze .... '' Equifax either refuses or is unable to remove the security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
For several months I have been receiving daily automated calls from Transworld Systems trying to collect a debt. When I answer I just get a recorded message to call XXXX and reference Case ID XXXX or XXXX. 

Returning the calls, I have learned that neither of the Case ID 's are associated with my name. I have made repeated requests to have my number removed, but continue to receive calls. On a call I placed XXXX at XXXX XXXX ( CST ) I was assured my number would be removed within 24 hours. It wasn't. On XXXX at XXXX XXXX  ( CST ) I spoke with XXXX and was told again it would be removed within 24 hours. 

Today, XXXX after receiving yet another call at XXXX XXXX I decided to file a complaint. They are calling my office line and interrupting my business. The last 2 calls I made to them I told them I would file a complaint if I continued to receive their calls. 

I have saved some of their recorded voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for an FHA mortgage with XXXX XXXX XXXX XXXX An Illinois Corporation and closed on XX/XX/XXXX. I was given a TILA but no Right to Cancel or Rescission Letter. I only discovered this on XX/XX/XXXX due to XXXX XXXX  XXXX, XXXX. attorney 's providing me with initial mortgage documentation. 

I am currently in litigation with XXXX XXXX  XXXX, XXXX, trustee of my loan since XX/XX/XXXX. I am in Foreclosure Court and informed the judge and opposing counsel that I never received an Right to Cancel/Rescission Letter. Attorney XXXX XXXX of XXXX XXXX, XXXX, for XXXX XXXX XXXX, XXXX. stated, " I was time barred '' and Judge XXXX dismissed my request to Amend Count VI - TILA Violation of my Second Amended Counterclaim. I never knew about a Right to Cancel or Rescind Letter until a lawyer informed me of it in XX/XX/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 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I made my payments on time with the company in question every month. I used their automated website to make the payments. However, one month that i made the payment and they showed it as paid i received notice 30 days later that my payment was late. This was by no fault of my own as their website has said they received the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Approx XX/XX/17 is when this started. XXXX would call 10-15 times a day. in XX/XX/2017 I stated getting calls from Weiss and associates at my place of employment. In XXXX when I returned to work after the break there was 10 messages. I called them back they threatened criminal  charges if I did not provide them a checking debit card to make payment arrangements. I asked them to send it in writing and told them I wasn't going to provide my debit card information. They said it was that or a prepaid debit card but that was my only option. They continue to call daily and block their number so it appears as unknown.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-30 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: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Federal Tax Lien IRS # 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 2018-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP
State: PA

Complaint narrative:
Car was totaled had insurance and XXXX XXXX still shows up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Check Resolution Inc.
State: FL

Complaint narrative:
Leave repeated messages harassing myself and my wife by threatening to appear at home or work and to be ready. Uses a very aggressive tone and claims to be visiting to as part of a civil lawsuit, however, Clerk of Courts searches did not reveal any pending litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Cit Bank Mortgage # XXXX The above loan was modified as of XX/XX/2017. My problem is the trial payments of {$2100.00} XXXX I paid from XX/XX/2017 to XX/XX/2017 was not properly allocated in to my account. When ever I calls they are giving me a run around and not properly giving the correct explanations. 

We want help in this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York! XXXX. 

Tele # 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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC
State: FL

Complaint narrative:
I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX I ordered an XXXX computer from XXXX   on easy pay. My order number was XXXX my name is XXXX XXXX. The computer came to my home and it was too large and bulky. Since it was a XXXX time order I could send it back which I did around XX/XX/XXXX. Not hearing from XXXX I called customer service and was told they received the computer and issued a credit of {$220.00} on my credit card. I kept checking my card and there was no credit so I called back Cust service was again assured my credit was issued  and should show up. Today still no credit called again today XX/XX/XXXX and was now told there was a hold put on my return and she didnt know why but corporate could help. No one answers the phone at corporate you just leave messages. They have stolen {$220.00} from me that I want returned ASAP. According to consumer reports they have numerous complaints against them for this very reason. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2018-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX Federal Tax Lien IRS # XXXX

Company response to consumer: Closed with explanation