vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: NC

Complaint narrative:
XX/XX/18, I called XXXX XXXX, Serviced by XXXX XXXX Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, to ask for the final total amount to pay off my mortgage, I called at XXXX AM. The gentleman I spoke with said he could not give me a payoff amount, said a supervisor would email me an amount within 2 hours. At XXXX PM I hadn't received a email so I called again and again was told they could not give me a payoff amount. I said, you have asked me a lot of personal information ( SS #, loan #, name, address ) and still you can't give me a payoff amount? 
I asked to speak to a supervisor and was told that none are in the building?? I said there isn't one supervisor available in the entire building available for me to speak to and was told no. I don't understand how this company can do business like this and why I just can not be given my total amount of the mortgage so I can pay it off. This to me says something is wrong and why are they hiding my information from me? Please see if you can help me or if you could direct me to someone who can because this whole thing seems very fishy. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. 

I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. 

On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan.

Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: MS

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report number XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX removed. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: GA

Complaint narrative:
I submitted a Dispute Report, with Equifax,2 weeks ago, and from my understanding, it can take up, to 30 days, for the dispute to be completed. Because it was some Inquiries, that was placed on my credit report, that was done unauthorized by 2 dealerships. I mailed the letters off to Equifax on a XX/XX/2018, and the very next week, i received a letter from Equifax, stating that Dispute has been completed, and i was like, it has only been a week.I contacted some of the Creditors and I talked to some of them, also upon my Knowledge, Equifax, never reach out to none of them, in regards to this matter. I felt, like this is inappropriate behavior, in regards to this matter. I have been having ongoing problems, with Equifax and my credit report. 

Also, I have contacted Equifax, numerous time, to have my Phone Number added, to my credit report, and as of today, it has not occurred, when i try to do things with my credit card company, i can not be verified, because my telephone number is not acculturate with Equifax, and i have called them, on numerous time, in pertain, to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX cc account ending XXXX showing on cr i never opened they wont take off been over 60 days since i notified them of this fraud account that i never opened

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 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called in a week or two ago and cancelled a membership with Experian. They accepted the cancellation but have continue to bill me since.

I have called the Consumer Dept and get a call center I can't understand. I have called two corporate numbers but they either put me on hold and never answer or they send me back to the same consumer number.

Experian makes it extremely easy to sign up and XXXX to cancel.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sent me a letter stating that if I do not provide my occupation and source of income they are going to close my account. My understanding is that that information is voluntary and not mandatory. I spoke to a B of A rep who told me my account would in fact be closed if I did not comply and I have the letter to back that up. I pay my bills on time and only owe a small amount of money at the time. Is this true?

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 2018-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened CITI bank Priority account which promised an account opening Bonus of {$600.00} after qualifying activities of depositing {$50000.00} and keeping money in the account for 5 months! 

Even after qualifying activities are fully completed and confirmed by CitiBank Customer Service Representative, they are NOT depositing my Bonus of {$600.00} in the account. 

If I chose to close the account then they will not deposit the bonus even though my account and money ( {$50000.00} ) are held by them in my account for more than 5 months now. 

If I decide to make full withdrawal of my money {$50000.00} and keep the account open so as to receive the bonus amount of {$600.00}, they will charge me account maintenance fee as account need to have {$50000.00} at all the time to avoid account Maintenance fee. 

I simply want to get my bonus of {$600.00} and withdraw all of my {$50000.00} held with them and close the account immediately as I need the my money back soon. 

Purposely they are delaying the bonus depositing process to keep my {$50000.00} locked with them. 

I attempted to escalate the matter but they are not doing anything. I have spent hours with them on phone but they do not seem to care. 

They do not have any mechanism in place to keep a record of two way communication between bank and the client. 

Very deceitful tactics by citibank. 

Kindly help.

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 2018-12-17 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: MS

Complaint narrative:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to TransUnion several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

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 2018-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been asking wells fargo for over 1 year to answer questions & they refuse to answer. In XX/XX/2005, my XXXX & XXXXyr old now deceased parents were coerced into a 30 yr. refi via 2 telemarketers : XXXX XXXX & XXXX XXXX . My mother suffered from XXXX & my father from XXXX XXXX & were taking prescription medication which causes confusion & worsen XXXX in the elderly. Wells has been paid {$71000.00} on an {$81000.00} 30 yr loan. It was a bad loan doomed to fail. A loan w/unclean hands, equitable estoppel & unconscionability. A criminal violation of CT predatory lending laws. I was quit claimed my parent 's home & paid on the loan for 3yrs. 6mos. until learning of the loan 's inception. That is when I stopped paying & began asking wells fargo questions. Out of desperation & under stress from Wells, I sought a reverse mtg. All the reverse would lend was {$20000.00}. This would have brought the loan total to {$91000.00}. Wells refused the offer. They knew my parents at their advanced ages could not live 1yr let alone 30yrs. & only cared about their commission. The telemarketers never offered my parents mtg protection ins. or another program to suit their needs. They offered a loan to 2 elderly people that would render them into foreclosure or homelessness. I won't pay for a criminal violation.

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 2018-12-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Sir/Madan, We reported Credit Card lost in XX/XX/XXXX so the card issuer Syncb/XXXX XXXX XXXX  issued us a new account with the new credit card number. But they failed to mail us the remaining balance on the old CC card. Thus, caused late payment fee piled up in my closed account for 3 straight months. We called Synchrony Bank many times to get the final bill, but they only said the account is closed, no further information can be provided. Finally, we filed dispute to all three credit beaus in XXXX XXXX. But SyncBank sold our debts right away to a collection agent called XXXX XXXX XXXX XXXX. We have no choice but to paid in full for my outstanding account to the collection agent in XX/XX/XXXX. However, after two months passed, the credit score from 3 credit beaus shown we still have an unpaid negative report ( from SyncB ) which keep our cerdit score low. We contacted XXXX XXXX XXXX, they told me it is Credit Beau 's problem. They have already sent out the paid off confirmation to 3 credit beaus. So I contacted credit beau again, they told me I should contact Credit Card company, because they shown the bad report was from Sync bank. When we called Sync Bank, they told us nothing they can do since the account has been sold to collection agent ( XXXX XXXX XXXX ). We are really frustrated and hope someone can help us to resolve this problem. But it looks like we paid off the debts but Synchrony Bank still not issue an account paid off notice to 3 credit beaus. So we wanted to file a complaint to Synchrony Bank.

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 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TCF NATIONAL BANK
State: NY

Complaint narrative:
This company has broke the FCRA and Fair Debt Collection Laws 4 times.

They have called me 30 times a day harassing me. They have threatened me with injury and to take my car by force. They threatened to sue and arrest me. They discussed this with my family trying to guilt family to pay to keep me out of jail and not lose a car for the holidays. XXXX XXXX has many complaints about their abusive and fraudulent tactics! They do not respect the FTC Do Not Call List, nor respect being told to be on the Do Not Call List on phone verbally and via email and certified mail!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NM

Complaint narrative:
XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid. 

XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email. 

XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department. 

From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service. 

I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I had called the CapitalOne customer service department multiple time ( s ) during XX/XX/2017 where I had made payment arrangements to include an agreed upon payment so that no adverse mark would have been reported. More specifically, I had inquired multiple times that this agreement would not have the consequence to impact my credit score poorly. I was assured that this agreement would not adversely impact me with all respective credit reporting. However, I continue to receive these dates reflect 30 days late for XXXX and XX/XX/2017. 

I tried writing letters, calling them, and disputing through the credit bureaus without resolve. 

Please help as I have attached my letter that I have sent them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: MD

Complaint narrative:
Vehicle was involved in a collision that resulted in a total loss. The responsible insurance company did not pay the required balance in a timely manner resulting in a missed payment. The account has since been closed and the company has failed to report this to the credit bureau.

Company response to consumer: Closed with non-monetary relief