vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2018 I called XXXX XXXX  concerning my first Mortgage statement. I'm a brand new Mortgage customer at XXXX XXXX. I noticed a discrepancy with my first Mortgage statement so I called my Mortgage Co Customer Service Department and the Customer Service Rep was polite and courteous. After I explained my issue to her she was unable to resolve my issue and transferred me to her Supervisor at my request and that's when the problem began. I could tell that she was not a Supervisor just by her tone and the way she answered the phone. She was very RUDE & GHETTO. She was unwilling to assist or listen to what I had to say. She just kept repeating the same thing over and over again. Indicating that there was nothing that she could do for me at this time. I had to take a deep breath and count to 10 because I was about to go off on her, but I didn't. I informed her that I could not pay this amount on my statement and she transferred me to the Mortgage Assistance Department which was closed for the day. 

If this is the type of service that I can look forward to I can't wait to refinance or to have my Mortgage sold to another Company. I know that there's a current Lawsuit or one coming soon and I can't wait to jump on that band wagon. No one needs to be mistreated and treated like a number. She made it seems like I was bothering her, but she forgot who pays her salary. My Issue was never resolved so I'm stuck with this high payment. So I guess my other option is modification or bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so may credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( Transunion, XXXX & XXXX  ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with TransUnion and XXXX it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.

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 2018-08-07 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: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a discover card in XX/XX/2018 with a zero percent interest rate for 12 months. For the last 2 months I am now being charged interest. I spoke to several people at discover who were not helpful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Debt was paid in full through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in XX/XX/2018. {$540.00}. Payments were submitted by me to XXXX then directly to XXXX XXXX XXXX ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. MCM Account # XXXX. Original Account was Ultamate Rewards XXXX Bank Account XXXX. MCM refuses to remove account from credit report and report account as paid in full. Attempted several communications with MCM through XXXX to no avail. Disputed with XXXX  credit company MCM refuses to acknowledge debt paid in full despite XXXX providing proof of payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I got locked out of my online account because entered the wrong answer to the security question. There was no way to change fix this online and my only option was to call Citi. I called their general business card line and after clicking the option to speak with a customer service representative I was placed on hold for 40 minutes. I called the Government line ( GSA line ) and reached a customer service representative within 5 minutes. She told me that I would need to speak with another customer service rep to get my account fixed and i was forwarded to a different department. I have been on hold for 17 minutes so far and have no expectation of speaking with someone soon. This is absurd! This is a government issued card, i did not choose citi on my own. I need to see my card balance so I can pay it, but Cit has wasted one full hour of my  time already. 

Despite the wait time, my biggest complaint is that there is no way to complain to the firm directly on their website or on their contact page. There is not email provided, only a phone number which has a wait time that will exhaust most customers who want to complain. Citi management needs to be made aware of this problem but I have no means of reaching them.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
Been receiving calls for about 2 weeks from someone from XXXX XXXX XXXX. On the first call I told them that I have no debt with XXXX XXXX XXXX and that I never received collection letters from them. The person was insistent asking for a payment method while I was talking. He started to ask so fast that a I couldn't understand him, so I asked for someone who's speaks XXXX, but the person didn't let me talk. He only asked for the payment method and insisted that I had to pay the debt. I told him that a owe no money to XXXX XXXX XXXX and requested evidence of the debt. I received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Sometimes up to 3 calls a dya.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the evening on XX/XX/18 my Chase debit card and my Chase Sapphire card were stolen from my wallet. They were replaced with decoy cards that looked like them, but they had a different name on them. My phone was also stolen along with them. I didn't notice as I was out having dinner but paying cash the entire time, and it appeared to me as if the cards were still in the wallet. I just assumed I had my phone stolen. They were then able to call Chase bank and have my ATM limit raised. They then took out {$2000.00} dollars in four separate ATM transactions. Two of them for {$800.00} and two of them for {$200.00}. The person who stole them then went to a place called XXXX XXXX XXXX XXXX and made two separate purchases for {$2200.00} and {$2600.00} respectively. They also made purchases for {$20.00} and {$75.00}. All of these happened after XXXX on XX/XX/18. My account was almost entirely cleaned out by this. I informed the bank the next morning. I filled out a police report and an insurance form for a new phone the next day when I noticed. I have gone through this several times for several weeks with a banker for them. Finally they resolved to not credit me with any of my money back. I am attaching all files that were sent to me by the bank. The police report is also attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 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:
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, Equifax & XXXX ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. Equifax said they never got the fax although I had a confirmation page of the fax being successfully submitted. Equifax made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

XXXX had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX and Equifax it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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:
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, XXXX & Experian ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. Experian took the full 30 days to make the update although they said they would expedite the request. During phone conversations with Experian the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX  and XXXX  it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.

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 2018-08-07 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: OpenRoad Lending
State: FL

Complaint narrative:
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current  mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? 

Thank you

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I tried using my credit card and it they placed a block. When I tried to call and verify my identity they keeping telling they cant do anything but to send a letter to my address which will take 5-7 days. I need to make a purchase now. They are not doing anything to verify my identity. This is the worst experience ever, I have other credit cards with other companies and this process is a breeze. I am so frustrated with them.

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 2018-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was traveling in XXXX from XX/XX/2018 through XX/XX/2018. While there i used my Capital One Venture card exclusively for many purchases. I am very careful with my spending and keep a close eye on all purchases. Due to internet limitations on this trip i was not able to check my statement until returning home to the United States. When i got home i discovered 3 fraudulent charges totalling over {$3500.00}. They all had unrecognizable merchant names and said " dining ''. I have never spent over {$50.00} for a meal let alone anywhere near {$1900.00} as one of the 3 charges showed. I filed a fraudulent claim with Capital One. They removed the charges, and then over a month later i received a later stating they determined the charges were not fraudulent, and if i had any new info to contact a phone number. I called this number during business hours 8 times. Every time it went to a busy signal. No voicemail, no message, just a busy signal. So i called the general fraud line and they agreed yes it is a busy signal and they don't know why, but they will leave a note someone to contact me. At this point I noticed the charges had now re-appeared on my account. After several days i received a voicemail, and called them back the next day, this time actually getting through. I spoke with a representative and they have removed the charges again and say they are re-looking into the fraud. My main issue here is a few things ; 1 ) The  system for contacting the agent investigating your case is horrible. There should be a voicemail or at least a message of some kind, not just a busy signal. 2 ) I have not been given any proof of how they are determining that this is fraud. They say they can't read the receipt because its in XXXX, and are simply implying its all legit because the card has a chip. 3 ) Its extremely obvious that something is amiss as the address, names, and amounts of the charges are all suspicious. I will also add that the other person i was traveling with also had fraudulent charges on his card ( although it was XXXX ), and his case was immediately handled and he was not responsible for the charges. The 3 charges are for {$1900.00}, {$1000.00}, and {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX  have started to run files that you copy for customers that hacks into your system or damage your computer

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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
bayview loan services did not pay my XX/XX/XXXX real estate taxes that were in escrow now as of XX/XX/XXXX they sold my loan to rushmore loan management services they passed the buck no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: On-Site Manager, Inc.
State: FL

Complaint narrative:
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have a Discover card personal loan for XXXX with very high interest, unfortunately. However, on two occasions now, i have changed my billing date to pay earlier to cut down some of the interest charges and pay quicker. On both occasions, i received a confirmation email from Discover but yet they didn't take the payment out until the original scheduled date ; which means the money sits in my bank account and not applied to my loan/credit card and continues to accrue interest!!!!!! 
I emailed them both times and no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX, XXXX, amount of {$1200.00}. I have filed a Police report for XXXX XXXX. XXXX XXXX has removed this account from all three of my credit reporting agency. However XXXX XXXX is now reporting the fraudulent account XXXX XXXX to my XXXX credit reporting agency and has not responded to remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was out of town camping and when I returned I noticed over XXXX dollars had been debited from my account. When speaking to a representative I also found they had tried to get even more but were unable too. I filed my claim and was told the money would be returned. After the money had not been I called back ( 4 separate times ) and was unable to get ahold of the person responsible for making the determination and couldnt even get a reason why the claim had been denied. I was finally told to leave XXXX a voicemail and wait 1-2 days and she would call me back. After being five to  the runaround I have no faith in Navy Federal Credit union and I will definitely be switching banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief