vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I lost my job after working for the smae non for profit as a XXXX XXXX XXXX/XXXX. XXXX  for almost 20 years. Shortly after losing my job, and trying to seek a new one, I began the process of notifying in writing and by telepohne, my Creditors ( Discover, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) that I had lost my job and was seeking to re organize my debt to pay it a different way. In XXXX, XXXX I had engaged XXXX XXXX XXXX to assist me in seeking debty negotiation, to settle all acccounts. XXXX XXXX  Neglected to contact my creditors and instead, they claimed to " negotiate '' settlemtns after my credit cards had gone into default and were sent to collections companies which also ruined my credit, something I wanted to avert. 
Presenlty, Discover Card account ending in XXXX was sold to XXXX XXXX ( Arizona ) a debt collection company that uses threats and intimidation tactics, they have failed to negotiate a resonable settlement, and their numbers are wrong! XXXX XXXX, and XXXX ( Discover Card sold my alleged debt to XXXX ) will not speak with me although I have written to them ( I have proof ), and telephoned them numerous times in an attmept to settle my obligation to them, but they are playing hard ball. 
I did settle on my own, two accounts with XXXX XXXX, XXXX ( the gave me very reasonable terms, and were nice about settling with me. ), XXXX XXXX, and XXXX credit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The location of the bank - OneWest Bank XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/19 XXXX a.m, I was trying to using the OneWest Bank ATM to withdraw cash from my one of international debit card. 

After I selected the amount and typed the pin, there was no cash coming out. My card has been retained for no reason. 

On XX/XX/19 XXXX XXXX, I went to the branch of OneWest Bank and asked them to get my debit card back. I told them my bank told me my card & account is fine but if I need to get a new card, I have to go to their branch in person. Which means I have to fly to XXXX to get a new debit card. 

I don't understand why OneWest Bank retained my card and did not give it back to me. They just told me, " SORRY, WE CAN NOT GIVE IT BACK IF IT IS NOT ONEWEST BANK CARD ''. 

I withdraw cash from this international debit card so many times on these ATMs of XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Even though I typed the wrong PIN or the fund was insufficient, they never kept or retained my card. 

As new XXXX, one of the most important ways to pay my bill or rent is getting cash from my previous international debit card. In the US, I believe everything should follow the law and the rule but OneWest Bank ignores all these laws and policies, they're trying to take the right of using my international debit card away. They want to force consumers to open their checking account and transfer all funds to their account. Otherwise, they will retain all the cards from different banks. That is totally unfair competition. 

Whoever it is, they must comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDMARK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDING CLUB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER PERSONAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I tried to set up a repayment plan with PHH. By stating that on XX/XX/XXXX I was going to pay {$1500.00} with a 5 day grace period and the rest to be divided by the rest of the loan. On XX/XX/XXXX I got an email from PHH stating that they could not set that up because my mortgage ends on XX/XX/XXXX which they should have known. So I emailed back stating that can we not do it for the remaining months so I can refinance and be done with each other. 
While I was waiting for a reply to my email I received the letter dated on XX/XX/XXXX that they handed my account to the lawyer to start foreclosure. So how is that possible? Why are you working on a plan with me yet not working on really? 
Please help me get it fixed so that I can get on a payment plan or get it modified. 
I did everything I can to get this back on track they turned me down. I want to keep my house. I want to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I'm very concerned about the pattern of conduct of your company. When I first was behind I came to your company for assistance and was struggling to pay on time. They were helpful initially then when I became a payment behind it was different Multiple calls and text messages daily. When I answered the calls the was no one there then id call in then id get a person who didn't do there job. THE FACTS : 1. I have had this loan for more than TWELVE CONSECUTIVE PAYMENTS THAT WERE ON TIME 2. I contacted your company in XXXX when I was 14 days late in need of assistance and I had the ability to pay then but had medical issues that permitted me from paying at the time and wasn't working. 3. your agency dropped the ball the VERY FIRST TIME AND DIDNT TIMELY FILE AND MISSED THE DEADLINE WHICH YOU REMEIDIED WITH AN EXTENTION the following month omg I cant believe this. 4. when I tried to get employment to pay my obligations they run a credit report since I work in finance and they see that I have a XXXX offset on my credit bureau so NOW I cant work in the industry that ive been in for over a decade and have to work in other industry that will pay less since its entry level. 5. When I was rejected one agent told me that I should file for bankruptcy chapter XXXX and I had until XX/XX/XXXX to show proof that ive been working for 30 days and the income supports viability and the reason I was rejected was that my loan was less that twelve month old which is a fabrication your company bought this loan from XXXX XXXX  who originally bought it form XXXX XXXX. Essentially sixteen consecutive payments have been paid to the lenders before a hardship occurred. 6 A ms XXXX was adamant that I could reapply but that option is NON EXSITENT due to my circumstances and IM VERY SURE SHE WAS AWARE OF THAT since she was so disrespectful and condescending on the phone. Your letter said the ninth it needs to be provided by the ninth. My Circumstances have changed IM WORKING AND I CAN MAKE ENOUGH INCOME TO PAY MY MORTGAGE AND IM GOING TO BE AWARDED XXXX shortly. YOU HAVENT CALLED ME IN A WEEK AND ITS ONLY AFTER I TOLD HER THAT YOU CALLED SO MANY TIMES A DAY SHE sarcastically said we can remove you from the call list even when I asked prior. I will submit this to the BBB FTC CFPB ETC CAUSE YOUR PROCESS IS PREADETORY I believe your company intentionally slow balled this playing the waiting game in the guise of help but called savagely and misinformed to blatantly corrupt the process cause I'm sorta a smart guy but you sophisticated this process in a way to only a legal expert would really know what you're actually saying as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/13 i was granted a divorce and the assets were divided between my ex-wife and myself. I continued to make my payments on time with no late payments. My ex-wife didn't pay the creditors and had a foreclosure and numerous late payments. We have ( 3 ) lines of credit with chase bank that are joint accounts. I purchased one of the properties back from the ex-wife, and she continues to pay the other two. The one I purchase from her had a line of credit of {$240000.00} which I have paid down to {$130000.00}. I have tried to refi the line of credit with chase bank and they refuse issure a new line in my name only and will not allow me to take my name off the two she still has. My credit has continue to be perfect with never having a late payment. I tried to get a line of credit with XXXX XXXX XXXX and because of the foreclosure and her late payments they will not give me the credit, not to mention the hard inquiries bring down my credit score. The properties have a grant deed to each of our names individually. I have no control of her properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019 I purchased four XXXX cards in the amount of {$500.00} each which is a total {$2000.00} I got a scammer call from the FBI and I wasn't aware it was a spoof call, I was told by both law enforcement and the credit card company where i purchased these cards to give them a call to see what they can do and so far no one has helped me!

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 2019-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
We are responsible for the upkeep of our property according to the mortgage contract. We filed an insurance claim with the current servicer Rushmore Loan Servicing, however the company is holding funds and are refusing to provide draws in order to complete the work. It is common in the industry for lenders to provide draws based on the percentage of the work performed. The lender issue the first check in the amount of {$17000.00} out of the {$30000.00} projected payment for roof repairs. In order to continue the repairs the contractor needs to get another advance or draw to complete. The lender is refusing to pay claiming that the roof needs to be 100 % completed. Unless the lender advances the contractor for materials and labor we would not be able to complete the work. The lender is acting in bad faith and are ignoring any type of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
When I closed my American Express account I had a {$50.00} credit balance on it. American Express claims that it had refunded the money to me, but I never received any checks from them. 

American Express also claims in the attached letter that I never contacted it regarding the problems of my cards or other mailed items not being delivered to me. American Express is wrong since I contacted its customer service numerous times explaining that they must have been listing incorrect name and address on the mail that should have been addressed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WV

Complaint narrative:
I receive XXXX for myself and dependant children, on Direct Express ... XXXX mistakingly deducted {$620.00} off of my card.I resolved this situation with this entity. They canceled the transactions to be placed back on to my card ... I have called Direct Express over 50 times ... they Hang up on u!!!! I Even called Comerica bank the issuing bank under contract with the federal government ... no one picks up!! As soon as I stated direct express on automated service, it's over with for me!! ..All I want is confirmation that they are going to put that money back on my card that XXXX has already released to it. This is the money we survive on! I have minor children ..and none of these people care cuz it isn't them dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation