vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE BANK FAILED TO REMOVE AALL HARD INQUIRIES FROM XXXX AS PROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Closed on home XXXX/XXXX/17. Noticed that I do not have any signed copies that I signed with first title insurance. My loan officer made copies of the papers prior to me getting the binder. I contacted both offices prior by phone or email requesting information and this loan has sent sold to U.S. Bank. I do have bond for my property that appears to not have been signed at closing.

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 2017-12-23 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 — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX FAILED TO REMOVE AALL HARD INQUIRIES FROM TRANSUNION AS PROMISED.

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 2017-12-23 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM XXXX AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: IN

Complaint narrative:
XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM TRANSUNION AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.

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 2017-12-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: TX

Complaint narrative:
The collection agency has entered a collection account on my credit report for a debt that is not mine. I have informed them this is not my account and they have not provided any written documentation to show this account belongs to me. When asked about how the account belonged to me, they responded that my XXXX XXXX was used to pay the bill, therefore the account belongs to me ( I have confirmed that XXXX XXXX has no records of this " supposed '' charge ). I sent a written dispute to XXXX on XXXX/XXXX/XXXX which still has not been reviewed or responded to as of XXXX/XXXX/XXXX Amount {$640.00} ( Original amount {$540.00} ) Collection Company is : XXXX XXXX XXXX XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX XXXX a 3rd party XXXX XXXX ( XXXX. XXXX XXXX XXXX, Fl XXXX ) has continued harassing me with calls, letters and also adding this debt to my credit bureau agencies. There is no account number to this debt. 

I have asked to send me original contract with my signature for proof regarding this debt in the amount of {$590.00} and XXXX has failed to do so. I am requesting verification of this debt to XXXX XXXX and removed my 3 credit Bureaus. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.

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 2017-12-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

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 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. 

This is not fair business practice!

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 2017-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam This is to file a complaint to Citi with regards to my sign-up bonus for Citi Prestige credit card account. The Prestige card is associated with XXXX TYPs after spending XXXX $ within 3 months. I opened my account on XX/XX/XXXX, and continued to use the card for everything I need to meet the requirement for obtaining the sign-up points. I didnt receive the points as expected after I spent over 8000 $ last month. I contacted and chatted with the Citi staff and was told my Prestige card is not associated with a sign-up bonus program, because I closed one Citi credit card one year ago. This is not the exact truth. 
1 ), I never closed any Citi credit card. One of my Citi Divident card was closed by the Citi Company, not by myself. I even called to check what happened because that Divident Citi card is the longest card I owned since XX/XX/XXXX. I want to keep that credit card for ever! 
2 ), The Citi Prestige card has {$450.00} annual fee, while the Citi Divident card has no annual fee. The provision clearly stated the eligibility for the XXXX point sign-up bonus for the Prestige for not closing Citi Prestige, Citi Premier and Citi Preferred cards in last 24 months. There is no word to mention Citi Divident card. 
3 ), Mostly importantly, my application was approved by phone ( not by online application ). I talked with the staff who handled my application, and was told Im no problem to get the sign-up offer after I spent XXXX $ within three months. 

I trusted Citi company as I have been its customer for over 12 years, but what happened to me seems a " trap ''. I chatted with the Citi representative via phone, and the staff only offered me XXXX points for courtesy ; that is not what I want. Without sign-up bonus program, I mostly wo n't apply for this card associated with XXXX $ annual fee, even I need one due to too much travels these recent years. This is my first time to file the complaint. What I need is a fair treatment. This happened but 1 ) it 's the Citi, not myself, who closed my other account without my permission ; 2 ) wrong or unclear advertisement without showing the type of the card involved ; 3 ) customer confirmation already via phone for the sign-up bonus when applying for the card. As a customer, I feel so wrongly treated, so I filed with an expectation to get more attentions for my case, and I need get back my XXXX sign-up points as advertised, before I will keep stay with the Citi in future. 

With best regards ~ 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 non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
I have been trying for the modification to my home that was underwater in the beginning trees caused many damaging plumbing problems. Next was an electrical fire my son had XXXX XXXX XXXX XXXX and XXXX XXXX. 
nationstar. Who is now Mr Cooper has stolen my private information saying I did in fact get the modification and after sending them over XXXX in cashiers checks, they say it was all a scam. Only there employees that called me to confirm had all my private information. My attorney has tried to resolve this. But they will not litigate with me. After all they have done to a single woman with XXXX children suffering and more. .. The people need to know how they will be treated by this deceiving company. And leaving me hanging here for 6 years. And still no modification with the hundreds of programs available. But There is not one for me. 
Absolutely no help!!! 
I hope this will be going public, my attorney is ready for federal court. 
They lie lie lie. 
and have terribly rude customer service representatives.. 
XXXX XXXX of XXXX Utah

Company response to consumer: Closed with explanation