vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: 1st Money Center, Inc., Hurst, TX Branch
State: TX

Complaint narrative:
I have been trying to contact this company since XXXX 2017. I have two title loans with this company and I was making monthly payments on my account. I have not been able to get in contact with anyone so I can make payments on my loans and get my titles back. They currently have liens on my titles. I need a release of lien for this company so I can get my titles back. I have researched online and it says the company is closed. I have called every number listed for them no answer. I have emailed and my emails are returned undelivered. here is there NMLS # XXXX. Please help I just need to know who is taking over there loans or who I need to talk to so I can get my titles back

Company response to consumer: Untimely response
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.

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 2017-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: TN

Complaint narrative:
XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.

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 2017-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are errors.

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 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OR

Complaint narrative:
1. Received Email notification from XXXX saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called XXXX again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. XXXX has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from XXXX with totally different information. 
9. I have not authorized payments for what they say I owe and XXXX can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my XXXX balance, which if that is the case they used money from my XXXX balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.

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 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Once again, XXXX XXXX XXXX has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the  transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 
9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 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: SD

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT XX/XX/XXXX 1. I received a letter from Equifax dated XX/XX/XXXX noting a new current address change had been made to my credit report ( see Page 1 ). I made no such new current address change. 
2. On XX/XX/XXXX I called Equifax and spoke with 5 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX and initiated a dispute regarding the unsolicited change in my current address to XXXX, XXXX, NV XXXX from XXXX XXXX XXXX, XXXX, SD XXXX  per Equifaxs TrustedID Premier Service ( see Page 2 ). My correct home address is XXXX XXXX XXXX, XXXX, SD XXXX ( see Page 1 showing address that the notice of change in address was sent to ). XXXX XXXX is the former address of another XXXX. Additionally, I sent a request to receive my Equifax Annual Credit Report on this date and have not as of yet received a hard copy of my credit report ( see Page 3 ). 
3. I received a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, noting that my current address was corrected to reflect XXXX, XXXX, SD XXXX ( see pages 4-6 ). 
4. On XX/XX/XXXX I logged on to Equifax, using Confirmation # XXXX, and noted that no correction had been made to my credit report. Due to my time constraints I logged off from Equifax and when I tried logging back on to dispute my credit report incorrect address I was locked out and I emailed Equifax and advised them of my problem ( see Page 7 ). 
5. On XX/XX/XXXX I received an email advising me to contact Equifax Consumer Services Team Member ( see Page 8 ). 
6. On XX/XX/XXXX I called Equifax and spoke with 3 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX but I was unable to satisfactorily resolve my issue without having to jump through additional hoops ( Equifax was ignoring their correspondence dated XX/XX/XXXX see pages 4-6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: Performant Financial Corporation
State: GA

Complaint narrative:
Fraud Account My identity was stolen in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice XX/XX/XXXX I sent over police reports and court order, no response. 
When I call to verify they explain someone will call back. 
Also I received a letter to garnish. When I called to check status I was told they will call me back.

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 2017-11-20 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: IL

Complaint narrative:
I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.

Company response to consumer: Closed with explanation